12812 LAKE DRIVE, LARGO, FL, 33774
Active30 days on marketListed Aug 21, 2026MLS #TB8540731
About this home
12812 LAKE DRIVE
Welcome to 12812 Lake Dr-A spacious four-bedroom, two-bathroom with approximately 1,829 of living space on a nearly a quarter-acre lot. This is one of those homes that you must see in person to see all the possibilities that this home has to offer. 3 of the 4 bedrooms have comfortably held king-size beds,nightstands, and dressers. When you enter you will notice a bonus room that can be a formal dining room, Media, Art or even a guest bedroom, the choice is yours. Then you will walk in the open Living Room with plenty of natural light coming from the large front windows and opens into the over-sized kitchen where you will find plenty of cabinet and counter space. Off the kitchen is a Full sized Laundry room with plenty of room for extra storage. In the front of the house there are two spacious bedrooms that share the guest bathroom. One of the front bedrooms has it's own entrance. The Primary bedroom in the back of the house has it's own exterior entrance, private patio, and access to the secondary rocked driveway. Since this bedroom has it's own entrance it would be great for In-laws,extended family, and guests or private home office. The patio could potentially be enclosed to create additional living space. The oversized, fully fenced backyard is ready to you to enjoy. It offers Plenty of room for entertaining, gardening, pets, or possibly adding a swimming pool. The mature Mango Tree shades the main patio during the summer and attracts an array of beautiful, colorful birds. Such a peaceful setting for morning coffee, outdoor meals or quiet evenings. There is also a large storage shed with electricity. The large front paver driveway can comfortably hold more than four vehicles. The secondary driveway rocked driveway can hold approximately two additional vehicles or provide space for a travel trailer,RV or small boat depending on the size and local requirements. Exterior has been freshly painted as well as a new front door. NO HOA which allows you more freedom to fit your lifestyle. Short term rentals can be allowed so this is a great opportunity. NON-EVACUATION ZONE!!! Close to Largo Golf Course and just under 2 miles to Indian Rocks Beach. Shopping, restaurants, hospitals are all close by. You must see!!!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,829
Sqft
0.23 ac
Lot size
1965
Year built
One
Levels
$244
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.
$3,365 /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
$3,365/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
−13.5%
$/sqft vs Largo actives
$244 vs $222
Days on market
30 vs 54 typical
Where $244/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 Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33774 — neighborhood snapshot
Population
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
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 → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
217 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 115% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12812 LAKE DRIVE
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$640,000
10062 121ST STREET
3 bd · 2 ba · 1,822 sqft · $351/sqft · 19 DOM
Sold · Jul ’26$620,000
14560 PASSAGE WAY
3 bd · 2 ba · 1,846 sqft · $336/sqft · 19 DOM
Sold · Jun ’26$432,000
12161 100TH AVENUE
3 bd · 2 ba · 1,854 sqft · $233/sqft · 39 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 12812 LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12812 LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12812 LAKE DRIVE FAQs
What would the monthly payment be for 12812 LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,365/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 12812 LAKE DRIVE?+
The most recent tax bill on record (2025) was $4,593. 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 12812 LAKE 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 Largo?+
At $445,900, this home is listed about 54% above the Largo median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12812 LAKE DRIVE?+
Anona Elementary School (elementary), Seminole Middle School (middle), Largo High School (high) — Pinellas 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
$445,900 runs 115% above the LARGO 33774 median — but at 1,829 sqft it's also 48% larger than the typical Largo listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of PLUMLEE GULF BEACH REALTY · Christa Ballauer. MLS #TB8540731.
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 12812 LAKE DRIVE 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 Chad to ping you on any price or status change →