242 S PORT ROYAL LANE, APOLLO BEACH, FL, 33572
Active11 days on marketListed Sep 10, 2026MLS #TB8546165
About this home
242 S PORT ROYAL LANE
Trade the snow shovel for sunglasses! Whether you’re ready to retire in Florida or simply want a warm-weather escape from winter, this beautifully maintained two-bedroom, one-bath home in Caribbean Isles Residential Cooperative offers an affordable way to start living the Florida lifestyle. Easy to maintain and thoughtfully updated, this home has had many of the big-ticket improvements already completed. The HVAC was replaced in 2024, new flooring was installed in 2022, the interior was freshly painted in 2024, and new ceiling fans were added in 2025. The kitchen features a double-door refrigerator and stove with convection oven and built-in air fryer, both new in 2022. Outside, attractive latticework was added to the golf cart port and front of the home in 2025, adding privacy and curb appeal. Best of all, there are no backyard neighbors, giving you a little extra breathing room when it’s time to relax. This is the kind of home that makes Florida living easy — comfortable enough for year-round retirement, yet manageable enough to close up when the season ends. Bring the golf cart, pack the flip-flops, and leave plenty of room in the calendar for fun! Caribbean Isles is a gated, resident-owned 55+ waterfront cooperative offering the resort-style lifestyle Florida is famous for. Enjoy the heated pool, clubhouse, social events and activities, boating and kayaking access, and miles of private roads perfect for walking, biking, and golf-cart rides. And because you become a shareholder in the cooperative, there is NO LOT RENT. Conveniently located in Apollo Beach between Tampa/St. Petersburg and Sarasota/Bradenton, you’ll be close to shopping, restaurants, medical services, beaches, and plenty of Gulf Coast adventures. Why spend another winter scraping ice off the windshield when you could be deciding whether today is a pool day or a golf-cart day? Come see how affordable your Florida getaway can be!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
784
Sqft
0.11 ac
Lot size
1990
Year built
One
Levels
$177
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.
$1,354 /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
$1,354/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.
$/sqft vs CARIBBEAN ISLES RESIDENTIAL COOPERATIVE
$177 vs $174
Days on market
11 vs 56 typical
Where $177/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 67% 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 242 S PORT ROYAL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$160,000
134 W SAINT ANNES CIRCLE · same community
2 bd · 2 ba · 732 sqft · $219/sqft · 37 DOM
Sold · Jul ’26$105,000
107 E SAINT JOHNS WAY · same community
2 bd · 2 ba · 840 sqft · $125/sqft · 112 DOM
Sold · Mar ’26$124,900
120 SAINT MARTINS WAY · same community
2 bd · 2.5 ba · 672 sqft · $186/sqft · 1 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 242 S PORT ROYAL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 242 S PORT ROYAL LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
242 S PORT ROYAL LANE FAQs
What would the monthly payment be for 242 S PORT ROYAL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,354/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 242 S PORT ROYAL LANE?+
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 242 S PORT ROYAL LANE?+
The most recent tax bill on record (2025) was $865. 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 242 S PORT ROYAL LANE?+
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 $139,000, this home is listed about 72% 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 #TB8546165.
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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