3962 LA COSTA LANE, LARGO, FL, 33771
Active97 days on marketListed Jul 8, 2026MLS #TB8525459
About this home
3962 LA COSTA LANE
Virtually Staged. Seller is motivated and will entertain reasonable offers. Welcome to Belle Oak Villas, where easy living meets a peaceful pond-view setting. This 2-bedroom, 2-bath villa is located in a non-flood zone and features **no carpet**, with tile and laminate flooring throughout, vaulted ceilings, a desirable split-bedroom layout, and a bright open living and dining area. Major updates include a newer 2022 roof, a new A/C installed in 2026, fresh interior paint, and a newly reglazed bathtub. Enjoy morning coffee or evening relaxation on the private screened patio overlooking the pond, with no direct rear neighbors and visiting ducks for company. Tucked away on a quiet dead-end street near one of the community’s two pools, Belle Oak Villas offers a convenient location, low quarterly HOA fee of $290, and close access to shopping, dining, and daily essentials. An ideal choice for first-time buyers or downsizers seeking move-in-ready comfort—and a smart opportunity for investors, with **no HOA waiting period to lease**. No damage or flooding from the hurricanes, this home is an ideal primary residence or for snowbirds or as an investment rental property. You won't want to miss this one!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,036
Sqft
0.04 ac
Lot size
1986
Year built
One
Levels
$256
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.
$2,197 /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
$2,197/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
−2.3%
$/sqft vs Largo actives
$256 vs $221
Days on market
97 vs 69 typical
Where $256/sqft sits among the 400 Largo 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 Belle Oak Villas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Belle Oak Villas — neighborhood snapshot
Population
605
Median age
45
Median income
$54,156
Median home value
$246,200
Avg household
2
Households w/ children
70%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
209 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the LARGO 33771 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3962 LA COSTA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$250,000
3926 LA COSTA LANE · same community
2 bd · 2 ba · 1,036 sqft · $241/sqft · 71 DOM
Sold · Oct ’25$310,700
3911 LA COSTA LANE · same community
2 bd · 2 ba · 1,036 sqft · $300/sqft · 24 DOM
Sold · May ’26$258,000
3888 EL CAMINO COURT · same community
2 bd · 2 ba · 1,036 sqft · $249/sqft · 138 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3962 LA COSTA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3962 LA COSTA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3962 LA COSTA LANE FAQs
What would the monthly payment be for 3962 LA COSTA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,197/mo — principal and interest, the actual property-tax bill, the $97/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 3962 LA COSTA LANE?+
The association fee works out to $97 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3962 LA COSTA LANE?+
The most recent tax bill on record (2025) was $3,155. 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 3962 LA COSTA LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 Largo?+
At $265,000, this home is listed about 7% below the Largo median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3962 LA COSTA LANE?+
Southern Oak Elementary School (elementary), Largo Middle School (middle), Largo High School (high) — Pinellas 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
$265,000 runs 19% above the LARGO 33771 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Southern Oak Elementary School, Largo Middle School, Largo High School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $270,000, now $265,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Candis Carmichael. MLS #TB8525459.
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.
Never miss a listing
New Largo homes, in your inbox
Like 3962 LA COSTA LANE but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →