CENTURY 21 Edge
$1,099,990$1,199,9904 bd3 ba3,376 sqft$326 /sqft$7,580 /mo all-in ↓

12416 STILLWATER TERRACE DRIVE, TAMPA, FL, 33618

Active90 days on marketListed May 18, 2026MLS #TB8509406

Reduced $100KPrivate poolSingle Family ResidenceCARROLLWOOD VILLAGE SEC 01 UNIT 05

Come see it

Upcoming open house

Sat, Aug 22

12:00 PM – 2:00 PM

About this home

12416 STILLWATER TERRACE DRIVE

Explore the epitome of luxury living in this stunning four-bedroom, three-bathroom home nestled in the sought-after Carrollwood neighborhood, set on an expansive corner lot. Every aspect of this residence embodies sophistication and comfort, offering an ideal sanctuary for your family. Step inside to find an airy layout highlighted by a wood-burning fireplace in the living room. The spacious kitchen, complete with a generous island, is ideal for family gathering. Endless natural light with unforgettable sunrise views in the glass dome breakfast nook. This home is protected by Pella hurricane-impact windows and sliding glass doors, offering peace of mind. The outdoor space features a heated saltwater pool, accompanied by an enchanting waterfall and fire pit, creating a warm environment for relaxation and entertainment. The outdoor kitchen and grill are perfect for culinary enthusiasts, while a 180in screen outdoor projector provides a delightful setting for movie nights. A peaceful Koi pond enhances the tranquility of the outdoor area, all beautifully enclosed by a two-story cage. The primary bedroom, located on the first floor and overlooking the serene Koi pond and pool, is a luxurious retreat featuring a three-sided electric fireplace that adds warmth and ambiance. Additionally, the room includes a motorized TV mount, allowing you to move the TV in any direction with the convenience of a remote control. The spa-like en-suite bathroom boasts a freestanding tub positioned to offer captivating views of the Koi pond and pool, providing a perfect spot for relaxation. The impressive shower room, which includes a unique shower bed, includes dual showerheads and body jets for ultimate rejuvenation. In front of the dining area, there is a stylish wet bar, providing an ideal space for serving drinks during meals or entertaining guests, making your dining experiences even more special. The Florida room features a stunning zero corner door that seamlessly connects the indoor and outdoor spaces, providing an inside-outside feel. It includes a captivating ceiling-to-floor waterfall that elegantly overlooks the living room, enhancing the serene atmosphere and promoting relaxation throughout the home. For added convenience, a dedicated den/study offers a peaceful workspace, with floor-to-ceiling glass walls that foster a bright and motivating environment. The wine cellar is thoughtfully placed in the home, providing easy access for entertaining. Upstairs, three additional bedrooms and a full bath ensure ample space for family and guests. The property is further enhanced by a beautifully paved driveway and walkway that accommodates up to ten vehicles, complete with built-in lighting to illuminate your approach. This Carrollwood retreat offers an extraordinary lifestyle brimming with comfort, luxury, and convenience. Schedule your private tour today and experience the elegance firsthand!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,376

Sqft

0.33 ac

Lot size

2

Garage

1980

Year built

Two

Levels

$326

Per sqft

Private poolFireplacePartiallyPets allowed

Inside

FlooringCarpet · Epoxy · Marble · Travertine
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Touchless Faucet · Washer · Water Purifier · Water Softener · Wine Refrigerator
InteriorAttic Ventilator · Built-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Skylight(s) · Smart Home · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Propane
FurnishedPartially

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorFire Pit · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$79/mo
Taxes (2025)$11,922/yr
PetsYes
CommunityDeed Restrictions · Golf Carts OK · Golf

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sprinkler Recycled · Street Lights
WaterPublic

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.

$7,580 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,935
PMI (est., until 20% equity)$412
Property tax — 2025 actual bill$994
HOA fee — from the listing$79
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $109,999Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $109,999
Interest rate6.00%
Loan term

Estimated payment

$7,580/mo

Principal & interest$5,935
PMI (est., until 20% equity)$412
Property taxes (actual bill)$994
HOA / condo fee$79
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.1M
$779KedgeAI estimate $921,449 · range $811K$1.2M$1.2M

vs edgeAI estimate

+19.4%

$/sqft vs Tampa actives

$326 vs $301

Days on market

90 vs 42 typical

Where $326/sqft sits among the 400 Tampa actives

222
103 · this home
31
12
9
23
$150–321$321–492$492–663$663–834$834–1005$1005+

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 Carrollwood Village

Map of 12416 STILLWATER TERRACE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa19 min
Tampa Int’l Airport (TPA)21 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

Carrollwood Village — neighborhood snapshot

Population

9,217

Median age

50

Median income

$107,115

Median home value

$430,001

Avg household

2

Households w/ children

924

For the school run

Hillsborough County School District

ElementaryCarrollwood K-8 School★★★★★
HighChamberlain High School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$413K$439K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

226 of 400

Tampa actives have cut their price

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 286% above the TAMPA 33618 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,099,990 $100K
May 18, 2026Listed at $1,199,990 · 90 days on market since
1980Built · CARROLLWOOD VILLAGE SEC 01 UNIT 05

Reality check

What actually sold near 12416 STILLWATER TERRACE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2802 LINTHICUM PLACESold · Dec ’25

$786,000

2802 LINTHICUM PLACE

4 bd · 2.5 ba · 3,188 sqft · $247/sqft · 7 DOM

10134 WHITE TROUT LANESold · Aug ’26

$750,000

10134 WHITE TROUT LANE

4 bd · 3 ba · 2,911 sqft · $258/sqft · 9 DOM

10408 RECLINATA LANESold · Jun ’26

$610,000

10408 RECLINATA LANE

4 bd · 2 ba · 2,849 sqft · $214/sqft · 30 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.

Kamilla Pagotto

Your agent

Kamilla Pagotto

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12416 STILLWATER TERRACE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12416 STILLWATER TERRACE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12416 STILLWATER TERRACE DRIVE FAQs

What would the monthly payment be for 12416 STILLWATER TERRACE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,580/mo — principal and interest, the actual property-tax bill, the $79/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 12416 STILLWATER TERRACE DRIVE?+

The association fee works out to $79 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12416 STILLWATER TERRACE DRIVE?+

The most recent tax bill on record (2025) was $11,922. 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 12416 STILLWATER TERRACE DRIVE?+

The listing reports pets: Yes. 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 Tampa?+

At $1,099,990, this home is listed about 144% above the Tampa median of $449,900. The market section on this page shows how the area is trending.

Which schools are assigned to 12416 STILLWATER TERRACE DRIVE?+

Carrollwood K-8 School (elementary), Chamberlain High School (high), 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

01Positioned at the premium end

$1,099,990 runs 286% above the TAMPA 33618 median — but at 3,376 sqft it's also nearly twice the size of the typical Tampa listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

90 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,199,990, now $1,099,990 — a $100K cut. The full history is in the market section below.

Listing courtesy of KAP RATE LIVING LLC. MLS #TB8509406.

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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