
12811 LAKE DRIVE, LARGO, FL, 33774
Active1 days on marketListed Aug 13, 2026MLS #TB8533304
Come see it
Upcoming open house
Sun, Aug 16
2:00 PM – 4:00 PM
About this home
12811 LAKE DRIVE
Virtually Staged. Welcome to relaxed Florida living in the desirable Plantation Palms neighborhood of Largo. This inviting 3-bedroom, 2-bathroom home offers 1,690 square feet of comfortable living space, a desirable split-bedroom floor plan, and an attached 2-car garage. For added buyer confidence, the home has already undergone a pre-listing home inspection and is being offered as a Pre-Certified Home, giving buyers the benefit of greater transparency from the start. At the heart of the home, the kitchen is both stylish and functional, featuring granite countertops, stainless steel appliances, generous cabinetry, ample workspace, and a breakfast bar that is perfect for a quick bite, morning coffee, or chatting with family and friends while meals are being prepared. Just off the kitchen is a defined dining area that remains connected to the main living space while providing a dedicated setting for everyday meals or entertaining. A separate set of sliding glass doors from the dining area opens directly to the screened lanai, creating an easy connection between indoor dining and outdoor relaxation. One of the home's standout features is the three-panel pocket sliding glass door that opens fully from the living room to the screened lanai. With the doors tucked completely out of sight, the living room and lanai blend together to create an expanded entertaining space that is ideal for gatherings, quiet mornings, evening cocktails, or simply enjoying Florida's indoor-outdoor lifestyle. Beyond the lanai, the backyard offers plenty of room to enjoy the outdoors — and yes, there is room for a pool, giving you the opportunity to create your own private Florida retreat, subject to applicable permitting requirements. The split-bedroom layout provides added privacy, with the primary suite separated from the secondary bedrooms. Updated bathrooms add a fresh, modern feel, while the additional bedrooms offer flexibility for family, guests, a home office, or hobby space. The attached 2-car garage provides secure parking along with valuable storage space for beach gear, bicycles, golf clubs, and everyday essentials. The location adds even more appeal. Largo Golf Course is just down the block, while the beautiful Gulf beaches are less than two miles away. Shopping, dining, parks, and everyday conveniences are also close by, putting the best of Largo and the surrounding beach communities within easy reach. With no minimum lease period, the property also offers flexibility as a primary residence, seasonal getaway, or potential short-term rental through Airbnb or VRBO, subject to applicable local regulations and buyer verification. Whether you are looking for a comfortable full-time home, a Florida retreat, or an investment opportunity near the beach, this Pre-Certified Home brings together space, tasteful updates, indoor-outdoor living, flexibility, and a location that makes enjoying the Florida lifestyle easy.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,690
Sqft
0.21 ac
Lot size
2
Garage
1979
Year built
One
Levels
$266
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.
$3,592 /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
$3,592/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
−8.9%
$/sqft vs Largo actives
$266 vs $237
Days on market
1 vs 55 typical
Where $266/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)
216 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 109% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12811 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 · Sep ’25$440,000
9874 INDIAN KEY TRL UNIT 62
3 bd · 3 ba · 1,749 sqft · $252/sqft · 103 DOM
Sold · Jul ’26$436,900
9730 INDIAN KEY TRAIL UNIT 114
3 bd · 3 ba · 1,749 sqft · $250/sqft · 117 DOM
Sold · Dec ’25$620,000
14360 PASSAGE WAY
3 bd · 2 ba · 1,749 sqft · $354/sqft · 22 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12811 LAKE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12811 LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12811 LAKE DRIVE FAQs
What would the monthly payment be for 12811 LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,592/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 12811 LAKE DRIVE?+
The most recent tax bill on record (2025) was $7,009. 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 12811 LAKE DRIVE?+
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 $449,900, this home is listed about 50% above the Largo median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12811 LAKE DRIVE?+
Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (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
$449,900 runs 109% above the LARGO 33774 median — but at 1,690 sqft it's also 36% larger than the typical Largo listing.
02Fresh on the market
Only 1 day on market in a Largo market that averages 55 — if it fits, move quickly.
03Strong assigned schools
Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION · Emil Veltre. MLS #TB8533304.
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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