12680 N CENTRAL AVENUE, TAMPA, FL, 33612
Active65 days on marketListed Jun 9, 2026MLS #TB8517479
About this home
12680 N CENTRAL AVENUE
Not your typical Tampa Bay home — this is where location, convenience, and lifestyle come together. Welcome to this beautifully located 3-bedroom, 2-bathroom home with a 1-car garage, perfectly positioned in one of the most convenient areas of Tampa Bay. Whether you're a first-time homebuyer, growing family, or savvy investor, this property offers the ideal combination of comfort and accessibility. Imagine living just minutes from top-rated restaurants, major hospitals, auto dealerships, shopping destinations, and easy access to Tampa Bay’s main highways, making daily commutes and weekend plans effortless. Location matters — and this home places you right in the center of it all while still providing the comfort of a place to truly call home. Opportunities like this, in such a strategic location, do not come around often. Convenience. Comfort. Connectivity. Welcome home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,522
Sqft
0.16 ac
Lot size
1
Garage
2024
Year built
One
Levels
$322
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 — not generic estimates.
$3,373 /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
$3,373/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
+14.6%
$/sqft vs Tampa actives
$322 vs $299
Days on market
65 vs 43 typical
Where $322/sqft sits among the 400 Tampa actives
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 Lake Magdalene
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Lake Magdalene — neighborhood snapshot
Population
31,512
Median age
43
Median income
$81,772
Median home value
$334,003
Avg household
2
Households w/ children
3,419
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
221 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 58% above the TAMPA 33612 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 12680 N CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$220,000
326 E 127TH AVENUE · same community
3 bd · 2 ba · 1,272 sqft · $173/sqft · 0 DOM
Sold · Jul ’26$425,000
314 E 137TH AVENUE · same community
4 bd · 2 ba · 2,080 sqft · $204/sqft · 93 DOM
Sold · Mar ’26$600,000
12715 LINDA DRIVE · same community
4 bd · 3 ba · 2,611 sqft · $230/sqft · 22 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 12680 N CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12680 N CENTRAL AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12680 N CENTRAL AVENUE FAQs
What would the monthly payment be for 12680 N CENTRAL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,373/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12680 N CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $1,342. 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 12680 N CENTRAL AVENUE?+
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 $489,900, this home is listed about 9% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12680 N CENTRAL AVENUE?+
Buchanan Middle School (middle), Lake Magdalene Elementary School (elementary), Gaither 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
Three things that matter here
01Positioned at the premium end
$489,900 runs 58% above the TAMPA 33612 median.
02Strong assigned schools
Buchanan Middle School, Lake Magdalene Elementary School, Gaither High School, Patricia Sullivan Metropolitan Ministries Partnership School — Gaither High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $509,900, now $489,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAHE REALTY LLC · Daniel Echevarria. MLS #TB8517479.
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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