137 12TH STREET E, TIERRA VERDE, FL, 33715
Active5 days on marketListed Aug 30, 2026MLS #TB8541167
About this home
137 12TH STREET E
Experience exceptional Tierra Verde waterfront living in this beautifully updated residence offering sophisticated interiors, expansive outdoor living and an extraordinary deep-water boating setup with immediate access to the open waters of Tampa Bay. Volume ceilings, abundant natural light and a thoughtfully designed floor plan allow the home to live much larger than its square footage. A shiplap ceiling in the great room adds an elevated coastal feel, complementing the home’s refined yet relaxed waterfront style. At the heart of the home, the beautifully redesigned kitchen is ideal for both everyday living and entertaining, featuring two islands—including a striking contrasting navy cabinetry island—beautiful quartz countertops, gas cooking, stainless steel appliances, abundant storage and custom built-in features. For boating enthusiasts, few properties offer this level of versatility. With 85 feet of waterfront, deep water, a newer seawall and composite dock, the property is equipped to accommodate multiple watercraft with a covered dual jet ski lift and 2 additional slip area with pilings in place for multiple vessels—all with immediate access to Tampa Bay. The waterfront primary retreat is a spacious private sanctuary featuring a sitting area, two spacious walk-in closets and a beautifully appointed bath with custom cabinetry, dual vanities, soaking tub, separate shower and private water closet. Two generously sized guest bedrooms and a dedicated office nook provide additional flexibility. Designed for the Florida lifestyle, the expansive outdoor entertaining area features a heated pool and spa, low-maintenance artificial turf, retractable awnings and indoor/outdoor surround sound. A spacious garage and newly added circular driveway complete the property. Additional updates include a 2017 roof, 2023 HVAC and 2021 water heater. Ideally located in sought-after Tierra Verde, Florida, this turnkey waterfront home brings together sophisticated coastal design, exceptional outdoor living and a remarkably versatile private dock setup—creating an outstanding opportunity to enjoy the Tampa Bay boating lifestyle from your own backyard.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,213
Sqft
0.25 ac
Lot size
2
Garage
1965
Year built
One
Levels
$892
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.
$12,949 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,949/mo
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.
vs edgeAI estimate
+108.6%
$/sqft vs TIERRA VERDE UNIT 1 1ST REP
$892 vs $923
Days on market
5 vs 99 typical
Where $892/sqft sits among the 6 homes for sale in TIERRA VERDE UNIT 1 1ST REP
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 Tierra Verde
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tierra Verde. See the full Tierra Verde guide →
The numbers that matter
The Tierra Verde market
$986K → $995K
Tierra Verde median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
0 of 6
TIERRA VERDE UNIT 1 1ST REP have cut their price
Median sold price, Tierra Verde, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 129% above the Tierra Verde median. See the full Tierra Verde market guide →
Paper trail
This home's history
Reality check
What actually sold near 137 12TH STREET E
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$1,500,000
120 9TH STREET E · same community
3 bd · 3 ba · 2,215 sqft · $677/sqft · 17 DOM
Sold · Jan ’26$1,650,000
841 2ND AVENUE S · same community
4 bd · 3.5 ba · 2,597 sqft · $635/sqft · 26 DOM
Sold · Nov ’25$2,650,000
224 7TH STREET E · same community
4 bd · 3 ba · 2,854 sqft · $929/sqft · 279 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 137 12TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 137 12TH STREET E — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
137 12TH STREET E FAQs
What would the monthly payment be for 137 12TH STREET E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,949/mo — principal and interest, the actual property-tax bill, the $7/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 137 12TH STREET E?+
The association fee works out to $7 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 137 12TH STREET E?+
The most recent tax bill on record (2025) was $16,618. 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 137 12TH STREET E?+
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 Tierra Verde?+
At $1,975,000, this home is listed about 129% above the Tierra Verde median of $862,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,975,000 runs 129% above the Tierra Verde median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 5 days on market in a Tierra Verde market that averages 99 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Tammy Campbell McNelis PA. MLS #TB8541167.
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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