
12016 LAGOON LN, TREASURE ISLAND, FL, 33706
Active3 days on marketListed Oct 8, 2026MLS #TB8556112
About this home
12016 LAGOON LN
Your boat out back, the beach just a short stroll away, and a tropical retreat to call your own. This beautifully updated, elevated waterfront home in the heart of Treasure Island offers access to the Intracoastal Waterway and Gulf of Mexico, with a private dock, boat lift, and jet ski lifts ready for days on the water. Featuring 3 spacious bedrooms, 2 full bathrooms, a half bathroom, and a recently transformed backyard oasis, the home brings together coastal character and inviting spaces for everyday living and entertaining. Recent improvements include a new metal roof, updated siding, new windows, and new Bahama-style shutters. Crisp white finishes, dark trim, and seafoam accents create a distinctive coastal look, complemented by palm-lined landscaping and a geometric concrete driveway with turf accents. Inside, the bright, open layout features a spacious dining area with beautiful water views and an updated kitchen with dark shaker-style cabinetry, glass-front upper cabinets, light veined countertops, stainless-steel appliances, and gold-tone accents. A generous breakfast bar provides space to gather, while vaulted ceilings and a wood-burning fireplace lend warmth and character to the living room. The main living level includes a bedroom with an en-suite bathroom. Upstairs, you’ll find the waterfront primary bedroom, a third bedroom, a full bathroom, a laundry room, and a versatile loft. Standout bathroom finishes include a glass-enclosed shower with dramatic blue tile and a warm wood vanity. The tropical backyard features newly installed artificial turf, oversized stepping pads, a palm-shaded seating nook, and an outdoor grilling station. A spacious covered patio offers room for dining and lounging, with woven pendant lighting, wood accents, and cabana-style curtains completing the relaxed coastal setting. With its unbeatable location, waterfront access, and move-in ready condition, this home offers the ultimate in coastal lifestyle living!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,690
Sqft
0.04 ac
Lot size
1982
Year built
Two
Levels
$947
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.
$10,288 /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
$10,288/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
+44.2%
$/sqft vs Treasure Island actives
$947 vs $513
Days on market
3 vs 126 typical
Where $947/sqft sits among the 180 Treasure Island 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 Treasure Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Treasure Island. See the full Treasure Island guide →
TREASURE ISLAND 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Treasure Island market
$685K → $625K
Treasure Island median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
97 of 180
Treasure Island actives have cut their price
Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 248% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 12016 LAGOON LN
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,500,000
12116 LAGOON LANE · same community
3 bd · 2 ba · 1,634 sqft · $918/sqft · 89 DOM
Sold · Jan ’26$1,500,000
12112 LAGOON LANE · same community
3 bd · 2 ba · 1,624 sqft · $924/sqft · 0 DOM
Sold · Sep ’26$490,000
12101 GULF BOULEVARD · same community
4 bd · 4 ba · 1,797 sqft · $273/sqft · 0 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12016 LAGOON LN — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12016 LAGOON LN — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12016 LAGOON LN FAQs
What would the monthly payment be for 12016 LAGOON LN?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,288/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 12016 LAGOON LN?+
The most recent tax bill on record (2025) was $10,738. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Treasure Island?+
At $1,600,000, this home is listed about 143% above the Treasure Island median of $657,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12016 LAGOON LN?+
Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega 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
$1,600,000 runs 248% above the TREASURE ISLAND 33706 median — but at 1,690 sqft it's also 30% larger than the typical Treasure Island listing.
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 3 days on market in a Treasure Island market that averages 126 — if it fits, move quickly.
04Strong assigned schools
Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LEVEROCKS REALTY · Zach Lewis. MLS #TB8556112.
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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