142 S SAINT THOMAS CIRCLE, Apollo Beach, FL, 33572 | $359,900

PRICE REDUCED!
Discover this beautiful waterfront home in Apollo Beach, Florida, featuring a brand-new boat dock and lift with roof perfect for enjoying the Florida boating lifestyle.

Welcome to Caribbean Isles Residential Cooperative, where 55+ living is truly at its best. This spacious 3-bedroom, 2-bath home offers an open floor plan with a large eat-in kitchen. The kitchen includes a new reverse osmosis system under the sink, along with a whole-home water filtration system designed to address hard water. A separate laundry room is conveniently located just off the kitchen. The primary suite features a large walk-in closet and a private ensuite bath, while the split-bedroom layout provides comfort and privacy for guests. Step out onto the screened patio and relax while enjoying peaceful waterfront views and the passing boats. This home is well-maintained and low-maintenance, making it ideal for easy Florida living.

Outdoor enthusiasts will appreciate the community’s kayak and boat launch, along with a canal system offering direct access to Tampa Bay. Caribbean Isles also offers an impressive array of amenities, including bocce ball, shuffleboard courts, horseshoes, and a heated pool open year-round. Inside the clubhouse, residents enjoy a craft room, large game room, pool tables, card tables, indoor bar shuffleboard, and darts. With year-round activities such as themed dinners, dances, and social events, there’s always something to enjoy. Ideally located between Tampa and Sarasota/Bradenton, the community offers convenient access to beaches, dining, shopping, and popular attractions, all just a short drive away

Come see for yourself why so many are proud to call Caribbean Isles home.

Features

  • Amenities: Clubhouse, Gated, Pool, Shuffleboard Court
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2003
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,566
  • Acreage: 0.14
  • Est. Taxes: $2,747
  • HOA Fee: $242 Monthly
  • Adult Communities: Yes
  • Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Number Limit
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: TB8434155
  • Days on Market: 107 days
  • Website: https://www.raveis.com
    /prop/TB8434155/142ssaintthomascircle_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 2/28/2026 4:57:36 AM)
Listing courtesy of CARIBBEAN ISLE PROPERTY SALES INC.   Phone: 813-641-7067

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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142 S SAINT THOMAS CIRCLE, Apollo Beach, FL, 33572

$359,900

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 $287,920 $287,920 $287,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.875% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.520% 5.415%
Monthly Tax Payment $229 $229 $229
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,590 $1,703 $2,296
Total Monthly Payment $1,894 $2,007 $2,600

* 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.