CENTURY 21 Edge
$679,0004 bd3 ba2,758 sqft$246 /sqft≈$4,817 /mo all-in ↓

12917 OAK STREET, SAN ANTONIO, FL, 33576

Active8 days on marketListed Oct 5, 2026MLS #TB8554882

Single Family ResidenceCARMELA SUB

About this home

12917 OAK STREET

Resting within the Carmela community of San Antonio, the day ends beautifully here from the extended paver patio, where sunset and park views give this 2023 home a breathtaking backdrop. Set on nearly 1/3 of an acre, this 4 bedroom + office, 3 bath, 3 car garage residence spans 2,758 sq ft with paid-off solar panels, a triple-split bedroom plan, and the fresh feel of new construction without the wait. A convenient circular driveway makes the corner lot feel easy to navigate from the moment you arrive, while mature landscaping and a covered entryway lead into a bright, well-planned interior. Luxury vinyl plank flooring runs through the main living areas, connecting the spacious living room, dining area, and kitchen with a smooth, open feel. The gourmet kitchen was carefully curated with quartz countertops, Whirlpool stainless steel appliances, a decorative backsplash, pantry storage, and a generous central island with breakfast bar seating and pendant lighting. Its placement keeps the home chef close to the dining and living areas, with enough prep space and storage to make the kitchen feel comfortable and easy to move throughout. Behind double doors, the dedicated office gives you a private place for work, studying, or homework without sacrificing a bedroom. Privately split from the secondary rooms, the primary suite overlooks the backyard and includes an expansive walk-in closet, plus an ensuite bathroom with dual sinks, a quartz countertop, a private water closet, and an oversized walk-in shower. Bedroom 2 rests in its own wing near the front of the home, creating a comfortable guest suite with plush carpet, a ceiling fan, and a full ensuite bathroom with a tub/shower combination. Bedrooms 3 and 4 are placed near the third full bathroom and oversized laundry room, giving the layout smart separation for family, visitors, or multigenerational needs. Out back, the extended paver patio gives you space for outdoor dining, lounging, or enjoying the sunset with park views beyond the yard. Privacy hedges soften the setting, while the nearly 1/3 acre lot, 3 car garage, and paid-off solar panels add the kind of space, storage, and monthly savings that make this home even more appealing. Carmela places you in a desirable San Antonio location just minutes from major highways, Mirada Lagoon, local shops, restaurants, and nearby conveniences. Call today to schedule your private showing of this like-new home with a beautiful setting and valuable upgrades already in place!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,758

Sqft

0.3 ac

Lot size

3

Garage

2023

Year built

One

Levels

$246

Per sqft

Park/Greenbelt viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Microwave · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPark/Greenbelt
FacesEast
ParkingCircular Driveway
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk

Community & fees

HOA fee$165/mo
Taxes (2025)$6,880/yr
PetsYes
CommunityDeed Restrictions · Golf Carts OK · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
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.

$4,817 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,664
PMI (est., until 20% equity)$255
Property tax — 2025 actual bill$573
HOA fee — from the listing$165
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $67,900Loan30-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% · $67,900
Interest rate6.00%
Loan term

Estimated payment

$4,817/mo

Principal & interest$3,664
PMI (est., until 20% equity)$255
Property taxes (actual bill)$573
HOA / condo fee$165
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 $679K
$525KedgeAI estimate $601,191 · range $547K–$626K$706K

vs edgeAI estimate

+12.9%

$/sqft vs San Antonio actives

$246 vs $200

Days on market

8 vs 50 typical

Where $246/sqft sits among the 152 San Antonio actives

37
49
33
14 · this home
5
14
$157–181$181–205$205–228$228–252$252–275$275+

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 San Antonio

Drive times from this address

Downtown Tampa≈ 40 min
Tampa Int’l Airport (TPA)≈ 51 min

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

Get to know San Antonio. See the full San Antonio guide →

SAN ANTONIO 33576 — neighborhood snapshot

Population

6,415

Median age

61.1

Median income

$77,950

Median home value

$330,500

Avg household

2.21

Households w/ children

337

For the school run

Pasco County School District

ElementarySan Antonio Elementary School★★★★★
HighPasco High School★★★★★
MiddlePasco Middle School★★★★★

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

The numbers that matter

The San Antonio market

Seller’s marketLeans seller — 4.4 months of inventoryBuyer’s market

$360K → $304K

San Antonio median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

80 of 152

San Antonio actives have cut their price

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

This home is listed 94% above the SAN ANTONIO 33576 median. See the full San Antonio market guide →

Paper trail

This home's history

Oct 5, 2026Listed at $679,000 · 8 days on market since
2023Built · CARMELA SUB

Reality check

What actually sold near 12917 OAK STREET

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

12889 OAK STREETSold · May ’26

$650,000

12889 OAK STREET · same community

4 bd · 3 ba · 2,847 sqft · $228/sqft · 107 DOM

32828 AL MAR LANESold · Oct ’25

$890,000

32828 AL MAR LANE

3 bd · 2.5 ba · 2,616 sqft · $340/sqft · 53 DOM

13217 THOROUGHBRED DRIVESold · Dec ’25

$638,700

13217 THOROUGHBRED DRIVE

4 bd · 3 ba · 2,601 sqft · $246/sqft · 23 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.

Kemarie Johnson

Your agent

Kemarie Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12917 OAK STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12917 OAK STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

12917 OAK STREET FAQs

What would the monthly payment be for 12917 OAK STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,817/mo — principal and interest, the actual property-tax bill, the $165/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 12917 OAK STREET?+

The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12917 OAK STREET?+

The most recent tax bill on record (2025) was $6,880. 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 12917 OAK STREET?+

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 San Antonio?+

At $679,000, this home is listed about 76% above the San Antonio median of $385,450. The market section on this page shows how the area is trending.

Which schools are assigned to 12917 OAK STREET?+

San Antonio Elementary School (elementary), Pasco High School (high), Pasco Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KING & ASSOCIATES REAL ESTATE LLC · Geri Lafountain. MLS #TB8554882.

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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12917 OAK STREET, SAN ANTONIO, FL — 4 Bed, 3 Bath — $679,000 | CENTURY 21 Edge