Beds
2
Baths
1
Sq Ft
792 sq ft
Year Built
1973
Lot Size
0.13 acres
Garage
—
About This Property
Welcome to Caribbean Isles, A Waterfront, Gated Cooperative in the Heart of Apollo Beach, Florida! Step into coastal living with this upgraded 2-bedroom, 1-bath home, nestled in one of the area's most sought-after 55+ waterfront communities. This charming residence features new flooring and windows, filling the space with abundant natural light and creating a welcoming ambiance. The open floor plan enhances the sense of space and makes everyday living and feel effortless and comfortable. Love the outdoors? You’ll feel right at home here. Caribbean Isles offers private kayak and boat launch facilities with direct access to Tampa Bay via our scenic canal system, perfect for a day on the water. Stay active with bocce ball, shuffleboard, and horseshoes, or relax in the year-round heated pool. The clubhouse is a hub of activity, featuring a craft room, game room with pool tables, card tables, bar shuffleboard, and darts, ideal for both casual fun and social connection. Our calendar of events keeps things lively with themed dinners, dances, and other community activities that make it easy to meet neighbors and create lasting friendships. Located between Tampa and Sarasota/Bradenton, Caribbean Isles offers convenient access to beaches, shopping, dining, and amusement parks, all just a short drive away. Come visit and see why so many love calling Caribbean Isles home. This is more than a house, it's a lifestyle.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
I-75 travel West at exit 246 on Big Bend Road. Go West to US41 and turn left (South) and travel to Elsberry Road. Turn right (West) just past the firehouse on Elsberry Road and travel to the Main where you will follow directions.
Location
104 SAINT KITTS WAY, APOLLO BEACH, FL 33572
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $119,900 home in APOLLO BEACH.
🏛️
FHA Loan
$4,197 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$5,995 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Hillsborough County SHIP
Varies
Income-qualifying Hillsborough residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: June 28, 2026.