115 E SAINT ANNES CIRCLE, APOLLO BEACH, FL, 33572
Active17 days on marketListed Sep 3, 2026MLS #TB8541005
About this home
115 E SAINT ANNES CIRCLE
Virtually Staged. JUST RELAX, you've found it! Welcome to waterfront living in this beautifully maintained and updated 2012 Jacobson home, where you can start your mornings watching the sunrise over the canal from an expansive screened lanai that stretches across the rear of the home. Offering two bedrooms, a dedicated office, two full baths, and comfortable indoor and outdoor living spaces, this home combines thoughtful design, stylish updates, and plenty of room to enjoy the Florida lifestyle. At the heart of the home is a gorgeous updated kitchen featuring granite countertops, stainless steel appliances, a pantry, convenient pull-out storage and beautiful features throughout. A cheerful breakfast nook provides the perfect spot for morning coffee, while the separate dining area offers plenty of space for entertaining family and friends. Neutral décor, crown molding, luxury vinyl flooring, and ceiling fans throughout create a polished, comfortable interior that is easy to make your own. The washer and dryer are conveniently located just off the hall, conveniently located close the bedrooms and guest bath. The spacious primary suite is a relaxing retreat with a large closet and private ensuite bath featuring double sinks and a walk-in shower. Guests will appreciate their own bedroom and full bath with a tub, while the separate office provides valuable additional space for working from home, hobbies, crafts, or whatever suits your lifestyle. Outdoor living is just as impressive, with TWO screened lanais, including the oversized canal-side lanai —a wonderful place to dine, entertain, relax with a good book, or simply enjoy the waterfront view. There is room for gardening, and the generous workshop/storage area is ideal for the boater, fisherman, gardener, or hobbyist who can never have too much storage. The tall carport offers clearance for a larger vehicle or boat, while the spacious parking pad provides room for several additional vehicles—and, of course, space for your must-have golf cart. Additional features include a NEW ROOF in 2026 and a water treatment system. Located in the gated, resident-owned 55+ Caribbean Isles Residential Cooperative, this home puts the affordable Florida waterfront lifestyle within reach. Enjoy a community filled with amenities, activities, boating opportunities, and neighbors who know how to enjoy the Florida sunshine. Whether you're heading out on the water, cruising the neighborhood by golf cart, tending your garden, or watching the morning sun rise over the canal from your lanai, this is a home designed for enjoying the lifestyle you deserve.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,375
Sqft
0.13 ac
Lot size
2012
Year built
One
Levels
$225
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.
$2,564 /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
$2,564/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
+11.6%
$/sqft vs CARIBBEAN ISLES RESIDENTIAL COOPERATIVE
$225 vs $174
Days on market
17 vs 56 typical
Where $225/sqft sits among the 12 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
The numbers that matter
The Apollo Beach market
$460K → $463K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
4 of 12
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 25% 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 115 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 · 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
Sold · Jan ’26$284,000
210 N SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 1,200 sqft · $237/sqft · 194 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 115 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 115 E SAINT ANNES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
115 E SAINT ANNES CIRCLE FAQs
What would the monthly payment be for 115 E SAINT ANNES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,564/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 115 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 115 E SAINT ANNES CIRCLE?+
The most recent tax bill on record (2025) was $2,403. 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 115 E SAINT ANNES CIRCLE?+
The listing reports pets: Breed Restrictions, 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 $310,000, this home is listed about 37% below the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Judith Martin. MLS #TB8541005.
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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