129 E SAINT LUCIA LOOP, APOLLO BEACH, FL, 33572
Active163 days on marketListed Feb 9, 2026MLS #TB8472521
About this home
129 E SAINT LUCIA LOOP
PRICE IMPROVEMENT! Waterfront Living at its core in Caribbean Isles Residential Cooperative, one of the most sought-after gated communities. This property presents great access to Tampa Bay. Charming 2-bedroom, 2-bath Canal front home with a HUGE Metal-roof covered Boat Lift that has a large deck to enjoy the outdoors and marine life. Watch Mantee's and Dolphin play under your dock. Perfect for the fisherman or just to enjoy a late evening boat ride to watch the sunset. This home is Furnished and ready to move into. Very nice front Screened Porch area. Large Carport and out-building that has the Washer and Dryer. Caribbean Isles is a Very Active 55+ resort style community. The Clubhouse has a full commercial Kitchen that is used year-round for community events. Caribbean Isles boasts gated access. Many amenities like Bocce Ball, Shuffleboard, Horseshoes and a Heated pool for the avid swimmer or for when the grandkids visit. The Clubhouse accommodates events like Dances, Bingo and other games. The annual Talent Show along with other live events like Comedians and plays. CI supports a large 10-acre storage area for your Boats or Travel Trailer or even the extra utility trailer. Prices range from $350 to $150 annually for your spot. This community is very Financially sound, since its inception they have never had a Special Assessment. If relaxed lifestyle living is for you please request your tour. This community is a great place to call HOME!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0.13 ac
Lot size
1986
Year built
One
Levels
$246
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.
$2,042 /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
$2,042/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
+27.1%
$/sqft vs CARIBBEAN ISLES RESIDENTIAL CO
$246 vs $151
Days on market
163 vs 56 typical
Where $246/sqft sits among the 14 homes for sale in CARIBBEAN ISLES RESIDENTIAL CO
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
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
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apollo Beach market
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
5 of 14
CARIBBEAN ISLES RESIDENTIAL CO have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% 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 129 E SAINT LUCIA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$50,000
170 S SAINT THOMAS CIRCLE · same community
2 bd · 1.5 ba · 970 sqft · $52/sqft · 25 DOM
Sold · Jul ’26$31,000
105 SAINT MARTINS WAY · same community
3 bd · 2 ba · 900 sqft · $34/sqft · 84 DOM
Sold · Jul ’26$140,000
123 S SAINT THOMAS CIRCLE · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 58 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 129 E SAINT LUCIA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 129 E SAINT LUCIA LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
129 E SAINT LUCIA LOOP FAQs
What would the monthly payment be for 129 E SAINT LUCIA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,042/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 129 E SAINT LUCIA LOOP?+
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 129 E SAINT LUCIA LOOP?+
The most recent tax bill on record (2024) was $1,768. 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 129 E SAINT LUCIA LOOP?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $235,900, this home is listed about 52% below the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 129 E SAINT LUCIA LOOP?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the APOLLO BEACH 33572 market on paper
$235,900 is 48% below the APOLLO BEACH 33572 median of $450,000, and at $246/sqft it sits under the Apollo Beach average of $266.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
163 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $249,900, now $235,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WALLS REALTY & ASSOCIATES, LLC · Terry Brown. MLS #TB8472521.
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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