124 E SAINT ANNES CIRCLE, APOLLO BEACH, FL, 33572
Active165 days on marketListed Feb 6, 2026MLS #TB8471353
About this home
124 E SAINT ANNES CIRCLE
Located in the sought-after Caribbean Isles, this beautifully maintained 2021-built 2-bedroom, 2-bath home offers modern construction, thoughtful design, and relaxed Florida living. Built to the highest code and HUD specifications, this home provides peace of mind along with timeless style. The open-concept kitchen and living area is bright and inviting, featuring neutral décor, attractive lighting fixtures, ceiling fans, and space for both a dining table and casual seating at the kitchen island. The home is partially furnished and impeccably cared for, making it easy to move right in. The primary bedroom includes an ensuite bath, while the second bedroom is ideal for guests or a home office. A washer and dryer are conveniently located in the hallway. As you step outside to the screened front porch, the perfect spot to enjoy your morning coffee while watching the sunrise, note the shaded sliding glass doors. You'll also note the upgraded plantation, shutters throughout the home on both the sliding door and windows. The spacious carport is tall enough to accommodate a boat, and the community also offers on-site boat and RV storage. Caribbean Isles is a pet- and golf-cart-friendly, gated 55+ community designed for both seasonal and full-time residents, featuring resort-style amenities, an active social calendar, and a true waterfront lifestyle with canals leading to Tampa Bay. Whether you’re looking for a refined winter retreat or a year-round home, this nearly new residence delivers comfort, quality, and an exceptional coastal lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0.13 ac
Lot size
2021
Year built
One
Levels
$239
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.
$1,991 /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
$1,991/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
+28.8%
$/sqft vs CARIBBEAN ISLES RESIDENTIAL COOPERATIVE
$239 vs $151
Days on market
165 vs 56 typical
Where $239/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
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 49% 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 124 E SAINT ANNES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$170,000
114 W SAINT JOHNS WAY · same community
2 bd · 2 ba · 1,001 sqft · $170/sqft · 140 DOM
Sold · Jun ’26$152,000
112 SAINT PIERRES WAY · same community
2 bd · 2 ba · 1,056 sqft · $144/sqft · 150 DOM
Sold · May ’26$145,000
119 S SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 1,056 sqft · $137/sqft · 205 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 124 E SAINT ANNES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 E SAINT ANNES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
124 E SAINT ANNES CIRCLE FAQs
What would the monthly payment be for 124 E SAINT ANNES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,991/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 124 E SAINT ANNES 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 124 E SAINT ANNES CIRCLE?+
The most recent tax bill on record (2024) was $1,673. 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 124 E SAINT ANNES CIRCLE?+
The listing reports pets: 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 $229,000, this home is listed about 53% 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 124 E SAINT ANNES CIRCLE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), 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 · Judith Martin. MLS #TB8471353.
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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