132 W SAINT LUCIA LOOP, APOLLO BEACH, FL, 33572
Active163 days on marketListed Feb 11, 2026MLS #TB8472668
About this home
132 W SAINT LUCIA LOOP
Discover relaxed Florida living in the highly desirable Caribbean Isles Residential Cooperative, a 55+ waterfront community known for its friendly atmosphere and active lifestyle. Step outside the home and step right aboard your boat with access to Tampa Bay for sunset cruises or waterfront dining. Enjoy watching manatees and dolphins from your backyard. This 3-bedroom, 2-bath home features a stunning 25-foot eat-in kitchen that’s a dream for any home chef. You’ll love the upgraded solid wood cabinetry, stone countertops, and a large deep sink with a gooseneck faucet designed to easily handle oversized pots and pans. Updated appliances include a combination built-in convection oven and microwave, island with downdraft cooktop, refrigerator and dishwasher. Updated flooring completes this inviting kitchen space. The combined living room and dining room are flooded with natural light, enhanced by vaulted ceilings that create an open and airy feel. Luxury Vinyl flooring has been installed in the living room, dining room, and primary bedroom. The spacious primary bedroom offers a private ensuite bath, large enough to include a conveniently located laundry area tucked neatly into a built-in closet. Updated vinyl windows add both style and energy efficiency. Major system upgrades provide peace of mind, including a new outside HVAC unit, new ductwork, and new insulation and vapor barrier installed beneath the home. If you're an outdoor enthusiast, you'll appreciate our kayak and boat launch facilities. Our canal system offers direct access to Tampa Bay. For those who enjoy friendly competitions, we have bocce ball, shuffleboard courts and horseshoes. The heated community pool is heated year-round. Inside our clubhouse, you'll discover a craft room and large game room, with pool tables, card table, indoor bar shuffleboard and darts, providing opportunities for creativity and socializing. Our community has many activities throughout the year. From themed dinners to dances, there's always something exciting happening to suit your preferences and keep you engaged year-round. Our prime location, conveniently situated between Tampa and Sarasota/Bradenton, ensures that you'll have easy access to an abundance of nearby activities. Beaches and thrilling amusement parks are just a day trip away. We invite you to pay us a visit and discover for yourself why so many call Caribbean Isles home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,288
Sqft
0.11 ac
Lot size
1975
Year built
One
Levels
$178
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.
$1,930 /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
$1,930/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 CO
$178 vs $143
Days on market
163 vs 56 typical
Where $178/sqft sits among the 13 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
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
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)
6 of 13
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 49% 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 132 W 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 · May ’26$170,000
328 S PORT ROYAL LANE · same community
2 bd · 2 ba · 1,248 sqft · $136/sqft · 86 DOM
Sold · Sep ’25$210,000
109 W SAINT LUCIA LOOP · same community
3 bd · 2 ba · 1,404 sqft · $150/sqft · 132 DOM
Sold · Dec ’25$195,000
206 S PORT ROYAL LANE · same community
3 bd · 2 ba · 1,421 sqft · $137/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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 132 W 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 132 W SAINT LUCIA LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
132 W SAINT LUCIA LOOP FAQs
What would the monthly payment be for 132 W SAINT LUCIA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,930/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 132 W 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 132 W SAINT LUCIA LOOP?+
The most recent tax bill on record (2024) was $874. 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 132 W SAINT LUCIA LOOP?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $229,900, this home is listed about 53% 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 132 W SAINT LUCIA LOOP?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the APOLLO BEACH 33572 market on paper
$229,900 is 49% below the APOLLO BEACH 33572 median of $450,000, and at $178/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.
Keep looking
Similar homes nearby
Listing courtesy of CARIBBEAN ISLE PROPERTY SALES INC. · Bill Leith. MLS #TB8472668.
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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