$124,900
123 Saint Kitts Way
Apollo Beach, FL 33572
Listing updated: June 6, 2026 at 12:41 PM ET
Listing courtesy of Keller Williams South Shore · Judith Martin · MLS #TB8444964 · Active · 813-641-8300Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
ARE YOU SEARCHING FOR AN AFFORDABLE RETIREMENT OR SEASONAL HOME? You really must check out this chance to acquire an ownership share in Caribbean Isles Residential Cooperative - one of Florida’s most desirable 55+ resident-owned waterfront communities. Here you will find the lifestyle as appealing as the homes themselves. You will pay NO LOT RENT or CDD. This fully FURNISHED, and move-in ready, residence offers an open concept layout with two bedrooms, two bathrooms, a formal living room, an eat-in kitchen, and a versatile family room which can be utilized as a third bedroom. The kitchen is fully accessorized and includes everything you need to begin enjoying your new home immediately. The primary bedroom features a large built-in closet and a private ensuite bath. Carpeted areas are Berber, known for durability and long wear, while the kitchen and bathrooms feature laminate flooring. An enclosed lanai provides the perfect spot for morning coffee, a good book, or simply enjoying peaceful Florida relaxation. Caribbean Isles is also known for its vibrant lifestyle. Residents enjoy outdoor activities, a heated pool, themed parties, game nights, dinners, and live entertainment —all centered around a clubhouse that includes a well-stocked library, craft room, and game room. It is truly a community where neighbors become friends, and every week offers something to look forward to. Caribbean Isles is located midway between Tampa/St. Petersburg and Sarasota/Bradenton on Florida’s West Coast — close to beaches, restaurants, shopping, and medical facilities. Bring your boat or RV — the community also offers on-site storage for a nominal annual fee of $120 to $250, depending on space size. If you’re seeking a place where you can simplify, socialize, and truly live — this is the opportunity you’ve been waiting for. Just pack a suitcase, and don't forget your swimsuit.
Local Insight
This 1978 manufactured home in a 55+ community is priced aggressively at $114/sqft, but the AE flood zone is a serious consideration—you'll need flood insurance on top of the already-substantial $242 monthly HOA, which could eat into any value advantage versus a stick-built home. The cooperative structure means you're buying into a managed community with restrictions, so verify what those entail and whether special assessments are planned, since the aging manufactured housing stock sometimes faces unexpected repairs.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history192 days on market
- Status: ActiveDec 18, 2025
- Listed$139,900Nov 14, 2025
- Price reduced$124,900
Facts & features
- Property type
- Residential
- Sub type
- Manufactured Home
- Status
- Active
- Days on market
- 192
- Cumulative DOM
- 368
- Subdivision
- Caribbean Isles Residential Cooperative
- County
- Hillsborough
- Year built
- 1978
- Living area
- 1,100 sq ft
- Price/sq ft
- $114
- Building area
- 1,898 sq ft (Public Records)
- Lot size
- 5,390 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12057C0494J)
- Annual taxes
- $629 (2024)
- Parcel #
- U-22-31-19-606-000000-00392.0
- Zoning
- PD
- MLS #
- TB8444964
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Carpet, Laminate
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer
- Interior features
- Built-in Features, Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Solid Surface Counters, Split Bedroom, Window Treatments
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Carport
- Yes
HOA & Financial
- HOA fee
- $242 / Monthly
- Monthly HOA
- $242/mo
- Total monthly fees
- $242/mo
- Total annual fees
- $2,904
- HOA name
- Candis Farberov
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1 Month
- Listing terms
- Cash, Other
- Ownership
- Co-op
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Leasing is allowed during the months of October through May only. Tenants must be 55+, submit an application, pass a background check and be interviewed by the Board.
- Approval process
- Tenants and Purchasers must submit an application to the management office, pass a background check, and attend an orientation with the Board before closing.
Exterior & Construction
- Exterior features
- Private Mailbox, Rain Gutters, Sliding Doors, Storage
- Construction materials
- Metal Siding
- Roof
- Metal
- Foundation
- Crawlspace
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Public
Community
- Pets allowed
- Breed Restrictions, Number Limit, Size Limit
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 13x16 |
| Family Room | First | 10x19 |
| Kitchen | First | 7x12 |
| Primary Bedroom | First | 10x12 |
| Primary Bathroom | First | 7x7 |
| Bedroom 2 | First | 11x11 |
| Bathroom 2 | First | 7x7 |
| Balcony/Porch/Lanai | First | 12x18 |
| Workshop | First | 9x12 |
| Bonus Room | First | 6x9 |
Listing Details
- Listing date
- 2025-11-14
- On market date
- 2025-11-14
- Original list price
- $139,900
- Occupant type
- Vacant
- MLS area
- 33572 - Apollo Beach / Ruskin
- Listing AOR
- Suncoast Tampa
- Status changed
- 2025-12-18
- Tax legal description
- CARIBBEAN ISLES RESIDENTIAL COOPERATIVE UNIT 392
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From US 41 in Apollo Beach, take Elsberry Road to the MAIN gate. Once inside the community, take an immediate right on Port Royal, then left on Saint Kitts. Home is on the right.
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Listing provided by Stellar MLS
Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 6, 2026 at 12:41 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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