12140 CAPRI CIRCLE S, TREASURE ISLAND, FL, 33706
Active48 days on marketListed Sep 3, 2026MLS #TB8544997
About this home
12140 CAPRI CIRCLE S
Welcome to waterfront living on the Isle of Capri in Treasure Island, where beautiful harbor views, thoughtful updates, and the laid-back Florida lifestyle come together. Surrounded by swaying palms and sparkling water, this beautifully updated townhome offers incredible views from every level, with dolphins and manatees often making an appearance right outside your door. The first level offers exceptional flexibility with a two-car garage featuring striking blue epoxy flooring and air conditioning, allowing the space to double as a bonus or recreation area. Sliding glass doors lead directly to a waterfront patio—the perfect setting for grilling, entertaining, or simply relaxing while overlooking the peaceful harbor. Upstairs, the main living area is warm and inviting, centered around a wood-burning fireplace with an elegant marble surround. Sliding doors extend the living space onto a private waterfront balcony, creating the perfect spot for morning coffee or an evening drink by the water. The kitchen is designed for both functionality and entertaining, featuring granite countertops, rich wood cabinetry, a movable island, pantry storage, and a breakfast bar. The third floor is dedicated to two spacious primary suites, each featuring polished wood flooring, vaulted ceilings, custom California closets, and beautifully appointed granite-and-marble bathrooms. The waterfront suite is especially impressive, showcasing a cedar-lined vaulted ceiling, oversized new Jacuzzi tub, separate shower, and private balcony with breathtaking harbor views. Recent improvements add even more peace of mind, including a 2025 first-floor HVAC system, 2025 washer, dryer, and dishwasher, along with hurricane shutters. Even better, the HOA includes flood insurance, with FEMA prepaid coverage extending through November 27, 2027. The community's private waterfront pool is chilled during the summer and heated in the winter, making it enjoyable year-round. Cast a line from the seawall or head over to nearby Roselli Park, offering tennis and pickleball courts, a playground, and a beautifully maintained dog park. Best of all, you're just minutes from the white-sand beaches of the Gulf, waterfront dining, local restaurants, boating, and everything that makes Treasure Island such a special place to call home. Pet-friendly and surrounded by water, this is more than a townhome—it's an opportunity to experience the Florida island lifestyle every single day.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,450
Sqft
2.38 ac
Lot size
2
Garage
1985
Year built
Three Or More
Levels
$372
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.
$5,939 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$5,939/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−25.7%
$/sqft vs Treasure Island actives
$372 vs $513
Days on market
48 vs 121 typical
Where $372/sqft sits among the 177 Treasure Island actives
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 Capri Isle
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Treasure Island. See the full Treasure Island guide →
Capri Isle — neighborhood snapshot
Population
1,978
Median age
60
Median income
$129,262
Median home value
$668,850
Avg household
2
Households w/ children
44%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Treasure Island market
$685K → $625K
Treasure Island median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
97 of 177
Treasure Island actives have cut their price
Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 12140 CAPRI CIRCLE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$546,200
12320 CAPRI CIRCLE N UNIT 404 · same community
2 bd · 2.5 ba · 1,450 sqft · $377/sqft · 52 DOM
Sold · Dec ’25$500,000
12132 CAPRI CIRCLE S · same community
2 bd · 2.5 ba · 1,450 sqft · $345/sqft · 119 DOM
Sold · Dec ’25$660,000
12364 CAPRI CIRCLE N · same community
3 bd · 2.5 ba · 1,850 sqft · $357/sqft · 29 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 12140 CAPRI CIRCLE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12140 CAPRI CIRCLE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12140 CAPRI CIRCLE S FAQs
What would the monthly payment be for 12140 CAPRI CIRCLE S?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $5,939/mo — principal and interest, the actual property-tax bill, the $1,225/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 12140 CAPRI CIRCLE S?+
The association fee works out to $1,225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12140 CAPRI CIRCLE S?+
The most recent tax bill on record (2025) was $7,306. 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 12140 CAPRI CIRCLE S?+
The listing reports pets: 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 Treasure Island?+
At $539,900, this home is listed about 19% below the Treasure Island median of $669,700. The market section on this page shows how the area is trending.
Which schools are assigned to 12140 CAPRI CIRCLE S?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$539,900 runs 17% above the TREASURE ISLAND 33706 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,225/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $549,900, now $539,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA, LLC · Jordan Rye. MLS #TB8544997.
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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