122 E SAINT ANNES CIRCLE, APOLLO BEACH, FL, 33572
Active280 days on marketListed Oct 13, 2025MLS #TB8437171
About this home
122 E SAINT ANNES CIRCLE
Welcome to Caribbean Isles Residential Cooperative, a friendly 55+ gated waterfront community located in the heart of Apollo Beach, Florida. One of the many benefits of living in Caribbean Isles is no CDD and no lot rent, along with a low monthly maintenance fee. This move-in ready, furnished 2-bedroom, 1½-bath home features updated flooring and a new roof, making it easy to settle in and start enjoying the Florida lifestyle right away. Relax with your morning coffee or evening breeze in the comfortable screened-in room, a perfect space to unwind. If you enjoy the outdoors, you’ll love our kayak and boat launch facilities, with a scenic canal system that offers direct access to Tampa Bay. For those who enjoy friendly competition, the community features bocce ball, shuffleboard courts, and horseshoes. The heated community pool is open year-round, perfect for relaxing or socializing with neighbors. Inside the clubhouse, residents enjoy a craft room and a large game room complete with pool tables, card tables, indoor bar shuffleboard, and darts. Caribbean Isles offers an active social calendar with themed dinners, dances, and community events throughout the year, creating plenty of opportunities to connect with friends and neighbors. Ideally located between Tampa and Sarasota/Bradenton, you’ll have convenient access to beautiful Gulf beaches, shopping, dining, entertainment, and world-class attractions. Come see for yourself why so many love calling Caribbean Isles home.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
891
Sqft
0.13 ac
Lot size
1971
Year built
One
Levels
$129
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,182 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,182/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs CARIBBEAN ISLES RESIDENTIAL CO
$129 vs $153
Days on market
280 vs 56 typical
Where $129/sqft sits among the 14 homes for sale in CARIBBEAN ISLES RESIDENTIAL CO
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Apollo Beach
Get to know Apollo Beach. See the full Apollo Beach guide →
APOLLO BEACH 33572 — neighborhood snapshot
Population
25,045
Median age
43.8
Median income
$113,775
Median home value
$430,900
Avg household
2.59
Households w/ children
3,126
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apollo Beach market
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
5 of 14
CARIBBEAN ISLES RESIDENTIAL CO have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 122 E SAINT ANNES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$31,000
105 SAINT MARTINS WAY · same community
3 bd · 2 ba · 900 sqft · $34/sqft · 84 DOM
Sold · Jul ’26$140,000
123 S SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 58 DOM
Sold · Dec ’25$50,000
170 S SAINT THOMAS CIRCLE · same community
2 bd · 1.5 ba · 970 sqft · $52/sqft · 25 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 122 E SAINT ANNES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 122 E SAINT ANNES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
122 E SAINT ANNES CIRCLE FAQs
What would the monthly payment be for 122 E SAINT ANNES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,182/mo — principal and interest, the actual property-tax bill, the $242/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 122 E SAINT ANNES CIRCLE?+
The association fee works out to $242 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 122 E SAINT ANNES CIRCLE?+
The most recent tax bill on record (2024) was $620. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 122 E SAINT ANNES CIRCLE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Apollo Beach?+
At $115,000, this home is listed about 77% below the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 122 E SAINT ANNES CIRCLE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the APOLLO BEACH 33572 market on paper
$115,000 is 74% below the APOLLO BEACH 33572 median of $450,000, and at $129/sqft it sits under the Apollo Beach average of $266.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
280 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $124,900, now $115,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CARIBBEAN ISLE PROPERTY SALES INC. · Bill Leith. MLS #TB8437171.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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