225 N Saint Thomas CIRCLE, Apollo Beach, FL, 33572 | $179,000

Discover your forever home in the serene and highly sought-after WATERFRONT COMMUNITY of Caribbean Isles Residential Cooperative. This two-bedroom, two-bathroom home is nestled in a vibrant community, yet offers a peaceful and private retreat. With no LOT RENT or CDD you can enjoy the benefits of homeownership with a low monthly maintenance fee, making this property an excellent value. The primary bedroom offers an ensuite bathroom, with a second bathroom off the hall for guests. Sliding doors off the living room lead into a fully enclosed sunporch, which can be used for year around relaxation as a den, as office space, or even as another sleeping space for overflow guests. The home comes partially furnished, too! Outside the door is a screened-in lanai, ready for your morning coffee, lunch, or end of the day glass of wine. Here you can enjoy the beautiful Florida weather, waving to your new friends as they pass by on their golf carts, bikes, or walking with their pets. With four miles of private roads, you can walk to the clubhouse, pool, lagoon park - or visit with your friends and neighbors - while getting in all of the exercise you want. Caribbean Isles is a 55+ waterfront community filled with amenities designed to enhance your lifestyle. Residents can take advantage of a clubhouse that hosts social events and activities, a HEATED POOL perfect for year-round relaxation, and a private boat and kayak launch with direct access to Tampa Bay—an ideal setup for boating enthusiasts. Other features include shuffleboard courts, a dog park, RV/boat storage, bocce ball, and a full calendar of community events that foster camaraderie among neighbors. Located in the heart of Apollo Beach, this property offers convenient access to shopping, dining, and entertainment options, as well as nearby parks and beaches for outdoor recreation. The area’s major highways make traveling to Tampa, St. Petersburg, and Sarasota effortless. Don’t miss the opportunity to own this AFFORDABLE HOME in one of Florida's premier 55+ communities. Schedule a private showing today to see all that Caribbean Isles has for the discriminating retiree or seasonal resident.

Features

  • Amenities: Clubhouse, Fence Restrictions, Gated, Laundry, Optional Additional Fees, Park, Pool, Recreation Facilities, Shuffleboard Court
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Style: Florida
  • Year Built: 1986
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,104
  • Acreage: 0.14
  • Est. Taxes: $663
  • HOA Fee: $242 Monthly
  • Adult Communities: Yes
  • Pet Policy: Breed Restrictions, Number Limit, Size Limit
  • Appliances: Exhaust Fan, Range, Refrigerator, Water Softener
  • MLS#: TB8334453
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/TB8334453/225nsaintthomascircle_apollobeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/17/2025 2:26:06 AM)
Listing courtesy of KELLER WILLIAMS SOUTH SHORE   Phone: 813-641-8300

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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Our Insurance Division:

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225 N Saint Thomas CIRCLE, Apollo Beach, FL, 33572

$179,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $143,200 $143,200 $143,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.875% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.191% 7.042% 6.160%
Monthly Tax Payment $55 $55 $55
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $941 $941 $1,199
Total Monthly Payment $1,071 $1,071 $1,329

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.