194 S PORT ROYAL LANE, APOLLO BEACH, FL, 33572
Active86 days on marketListed May 13, 2026MLS #TB8507664
About this home
194 S PORT ROYAL LANE
Experience premium resort-style living in this move-in-ready home, nestled within the premier 55+ gated community of Caribbean Isles. This thoughtfully designed layout features 3 bedrooms, 2 bathrooms, and a versatile office or sitting room attached directly to the primary suite. Enjoy ultimate peace of mind with a roof replacement done in 2021 and a HVAC system installed in 2023. The open floor plan flows seamlessly through elegant French doors to an enclosed lanai, creating the perfect environment for entertaining. The pristine kitchen features newer appliances, ample cabinetry, and a spacious walk-in pantry. Retreat to the primary sanctuary, boasting an en-suite bath and a private attached sitting room. Storage is maximized throughout with walk-in closets in every bedroom, an attached rear shed, and a front garage. Embrace the Florida sunshine on your front screened porch or unwind in the private hot tub on your rear screened lanai. Exceptionally rare for this area, there is no lot rent and no CDD fee. The price includes your ownership share of the lot, keeping your monthly expenses to a low $242 maintenance fee. Residents enjoy elite amenities including a year-round heated pool, a private boat launch, a vibrant clubhouse, and full-time on-site management. Schedule your tour today to experience this vibrant home and community first-hand.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,088
Sqft
0.2 ac
Lot size
1
Garage
2006
Year built
One
Levels
$151
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.
$2,516 /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
$2,516/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 COOPERATIVE
$151 vs $174
Days on market
86 vs 50 typical
Where $151/sqft sits among the 7 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
$460K → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
3 of 7
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 28% 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 194 S PORT ROYAL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$258,000
132 S SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 1,593 sqft · $162/sqft · 14 DOM
Sold · Jul ’26$200,000
101 W SAINT JOHNS WAY · same community
2 bd · 2 ba · 1,400 sqft · $143/sqft · 203 DOM
Sold · Dec ’25$115,000
215 S PORT ROYAL LANE · same community
3 bd · 2 ba · 1,248 sqft · $92/sqft · 181 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 194 S PORT ROYAL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 194 S PORT ROYAL LANE — 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
194 S PORT ROYAL LANE FAQs
What would the monthly payment be for 194 S PORT ROYAL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,516/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 194 S PORT ROYAL LANE?+
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 194 S PORT ROYAL LANE?+
The most recent tax bill on record (2025) was $1,438. 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 194 S PORT ROYAL LANE?+
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 $315,000, this home is listed about 36% below the Apollo Beach median of $489,900. The market section on this page shows how the area is trending.
Which schools are assigned to 194 S PORT ROYAL LANE?+
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 KELLER WILLIAMS SOUTH SHORE · Maria Peebles. MLS #TB8507664.
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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