225 N SAINT THOMAS CIRCLE, APOLLO BEACH, FL, 33572
Active145 days on marketListed Mar 1, 2026MLS #TB8479789
About this home
225 N SAINT THOMAS CIRCLE
This very affordable two bedroom, two bathroom home is located in Caribbean Isles Residential Cooperative and offers the perfect setting for those beginning retirement or looking for a warm and welcoming winter retreat. With no lot rent and no CDD, and a low monthly maintenance fee, you can enjoy the comfort of ownership without the burden of high carrying costs. The primary bedroom features an ensuite bath, while a second full bathroom off the hall provides convenience for visiting family and friends. Sliding glass doors from the living room open to a fully enclosed sunporch, creating additional living space that can be used year round as a cozy den, home office, reading room, or extra sleeping area for guests. The home is partially furnished, making it easy to settle in and start enjoying the Florida lifestyle right away. Just outside the kitchen is a screened lanai, a comfortable place to enjoy your morning coffee or unwind in the evening while greeting neighbors as they stroll by on golf carts, bicycles, or walking their pets. With four miles of private roads, you can take daily walks to the clubhouse, heated pool, or lagoon park while staying active and connected. Caribbean Isles is a resident owned 55+ waterfront community designed for relaxed living, offering a clubhouse with regular social events and activities, a heated pool for year round enjoyment, shuffleboard and bocce courts, a dog park, RV and boat storage, and a private boat and kayak launch with direct access to Tampa Bay for those who enjoy time on the water. Located in Apollo Beach, the community provides convenient access to shopping, dining, medical facilities, and major highways for easy travel to Tampa, St. Petersburg, and Sarasota. This home presents an opportunity to enjoy a simpler pace, warmer winters, and a friendly, established community where neighbors become friends.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,104
Sqft
0.14 ac
Lot size
1986
Year built
One
Levels
$135
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.
$1,400 /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
$1,400/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
−8.6%
$/sqft vs CARIBBEAN ISLES RESIDENTIAL COOPERATIVE
$135 vs $174
Days on market
145 vs 56 typical
Where $135/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)
3 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 67% 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 225 N SAINT THOMAS CIRCLE
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 · Jan ’26$284,000
210 N SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 1,200 sqft · $237/sqft · 194 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 225 N SAINT THOMAS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 225 N SAINT THOMAS CIRCLE — 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
225 N SAINT THOMAS CIRCLE FAQs
What would the monthly payment be for 225 N SAINT THOMAS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,400/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 225 N SAINT THOMAS 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 225 N SAINT THOMAS CIRCLE?+
The most recent tax bill on record (2024) was $663. 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 225 N SAINT THOMAS CIRCLE?+
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 $149,000, this home is listed about 70% 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 225 N SAINT THOMAS CIRCLE?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the APOLLO BEACH 33572 market on paper
$149,000 is 67% below the APOLLO BEACH 33572 median of $450,000, and at $135/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
145 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Judith Martin. MLS #TB8479789.
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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