162 S SAINT THOMAS CIRCLE, APOLLO BEACH, FL, 33572
Active52 days on marketListed Jun 1, 2026MLS #TB8505246
About this home
162 S SAINT THOMAS CIRCLE
Enjoy the ultimate active Florida lifestyle in this vibrant waterfront 55+ community featuring a canal system with direct access to Tampa Bay, where dolphins and manatees are often seen right from your backyard paradise. This charming two-bedroom, two-bath home offers an open floor plan filled with natural light, creating a bright and inviting space perfect for both relaxing and entertaining. The spacious eat-in kitchen features an impressive 28 feet of cabinetry, offering abundant storage and workspace. Additional highlights include a large laundry area, covered carport, and a versatile screened room and shed combination ideal for hobbies, entertaining, or enjoying peaceful waterfront breezes. Designed for active adults seeking both recreation and community, residents enjoy an array of amenities including a clubhouse, game room, craft room, large community gathering hall, bocce ball courts, shuffleboard, horseshoe pits, dog park, private boat ramp, and kayak launch. Whether you enjoy boating, kayaking, social gatherings, or simply soaking in the beauty of waterfront living, this community offers something for everyone. Conveniently located near beaches, shopping, dining, and world-famous amusement parks, this home delivers the perfect combination of relaxation, recreation, and an active coastal lifestyle. Come see why so many are calling Caribbean Isles home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,284
Sqft
0.14 ac
Lot size
1972
Year built
One
Levels
$125
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.
$1,506 /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
$1,506/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
$125 vs $151
Days on market
52 vs 56 typical
Where $125/sqft sits among the 13 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
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)
6 of 13
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 65% 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 162 S 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$170,000
328 S PORT ROYAL LANE · same community
2 bd · 2 ba · 1,248 sqft · $136/sqft · 86 DOM
Sold · Sep ’25$210,000
109 W SAINT LUCIA LOOP · same community
3 bd · 2 ba · 1,404 sqft · $150/sqft · 132 DOM
Sold · Apr ’26$120,000
124 SAINT PIERRES WAY · same community
3 bd · 2 ba · 1,152 sqft · $104/sqft · 263 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 162 S 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 162 S 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
162 S SAINT THOMAS CIRCLE FAQs
What would the monthly payment be for 162 S SAINT THOMAS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,506/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 162 S 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 162 S SAINT THOMAS CIRCLE?+
The most recent tax bill on record (2025) was $1,105. 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 162 S SAINT THOMAS CIRCLE?+
The listing reports pets: Breed Restrictions, Number Limit, 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 $159,900, this home is listed about 67% 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 162 S 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.
Keep looking
Similar homes nearby
Listing courtesy of CARIBBEAN ISLE PROPERTY SALES INC. · Bill Leith. MLS #TB8505246.
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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