123 SAINT KITTS WAY, APOLLO BEACH, FL, 33572
Active253 days on marketListed Nov 14, 2025MLS #TB8444964
About this home
123 SAINT KITTS WAY
ARE YOU SEARCHING FOR AN AFFORDABLE RETIREMENT OR SEASONAL HOME? You really must check out this chance to acquire an ownership share in Caribbean Isles Residential Cooperative - one of Florida’s most desirable 55+ resident-owned waterfront communities. Here you will find the lifestyle as appealing as the homes themselves. You will pay NO LOT RENT or CDD. This fully FURNISHED, and move-in ready, residence offers an open concept layout with two bedrooms, two bathrooms, a formal living room, an eat-in kitchen, and a versatile family room which can be utilized as a third bedroom. The kitchen is fully accessorized and includes everything you need to begin enjoying your new home immediately. The primary bedroom features a large built-in closet and a private ensuite bath. Carpeted areas are Berber, known for durability and long wear, while the kitchen and bathrooms feature laminate flooring. An enclosed lanai provides the perfect spot for morning coffee, a good book, or simply enjoying peaceful Florida relaxation. Caribbean Isles is also known for its vibrant lifestyle. Residents enjoy outdoor activities, a heated pool, themed parties, game nights, dinners, and live entertainment —all centered around a clubhouse that includes a well-stocked library, craft room, and game room. It is truly a community where neighbors become friends, and every week offers something to look forward to. Caribbean Isles is located midway between Tampa/St. Petersburg and Sarasota/Bradenton on Florida’s West Coast — close to beaches, restaurants, shopping, and medical facilities. Bring your boat or RV — the community also offers on-site storage for a nominal annual fee of $120 to $250, depending on space size. If you’re seeking a place where you can simplify, socialize, and truly live — this is the opportunity you’ve been waiting for. Just pack a suitcase, and don't forget your swimsuit.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0.12 ac
Lot size
1978
Year built
One
Levels
$114
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.
$1,245 /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
$1,245/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.
vs edgeAI estimate
−20.3%
$/sqft vs CARIBBEAN ISLES RESIDENTIAL COOPERATIVE
$114 vs $174
Days on market
253 vs 56 typical
Where $114/sqft sits among the 8 homes for sale in CARIBBEAN ISLES RESIDENTIAL COOPERATIVE
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
2 of 8
CARIBBEAN ISLES RESIDENTIAL COOPERATIVE have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% 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 123 SAINT KITTS WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$145,000
119 S SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 1,056 sqft · $137/sqft · 205 DOM
Sold · Jun ’26$152,000
112 SAINT PIERRES WAY · same community
2 bd · 2 ba · 1,056 sqft · $144/sqft · 150 DOM
Sold · Aug ’25$170,000
114 W SAINT JOHNS WAY · same community
2 bd · 2 ba · 1,001 sqft · $170/sqft · 140 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 123 SAINT KITTS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 123 SAINT KITTS WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
123 SAINT KITTS WAY FAQs
What would the monthly payment be for 123 SAINT KITTS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,245/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 123 SAINT KITTS WAY?+
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 123 SAINT KITTS WAY?+
The most recent tax bill on record (2024) was $629. 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 123 SAINT KITTS WAY?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit. 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 $124,900, this home is listed about 75% 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 123 SAINT KITTS WAY?+
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
$124,900 is 72% below the APOLLO BEACH 33572 median of $450,000, and at $114/sqft it sits under the Apollo Beach average of $266.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
253 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 $139,900, now $124,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Judith Martin. MLS #TB8444964.
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.
Never miss a listing
New Apollo Beach homes, in your inbox
Like 123 SAINT KITTS WAY but not quite? A daily digest of every new listing in Apollo Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →