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$445,900

12812 LAKE DRIVE, LARGO, FL 33774

3D Tour
Active33 days on market

Beds

4

Baths

2

Sq Ft

1,829 sq ft

Year Built

1965

Lot Size

0.23 acres

Garage

—

About This Property

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!!!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8540731
StatusActive
Year Built1965
Total Rooms6
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionPLANTATION PALMS 8
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Open Floorplan, Solid Wood Cabinets, Thermostat, Window Treatments
FlooringCeramic Tile, Luxury Vinyl
AppliancesElectric Water Heater, Range, Refrigerator
LaundryLaundry Room
WindowsBlinds
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Storage
FencingVinyl
Other StructuresShed(s), Workshop
Lot Size0.23 acres (9,953 sq ft)
Lot FeaturesCity Lot, Oversized Lot
Road SurfaceAsphalt
ViewTrees/Woods
0

Utilities

WaterPublic, Well
SewerPublic Sewer
UtilitiesPublic

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$445,900
Annual Taxes$4,593 (2025)
FinancingCash, Conventional, FHA
ZoningR-3
Parcel #083015000003300500

Schools

ElementaryAnona Elementary-PN
MiddleSeminole Middle-PN
HighLargo High-PN

Directions

Walsingham rd (688) west of 131st to Lake Dr head north to address.

Location

12812 LAKE DRIVE, LARGO, FL 33774

Listing Information

OfficePLUMLEE GULF BEACH REALTY
ListedAugust 21, 2026

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Home Price

$445,900

20% ($89,180)
6.75%

Loan Term

Principal & Interest$2,314
Property Tax (est.)$409
Insurance (est.)$150
Total Monthly$2,872
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $445,900 home in LARGO.

🏛️

FHA Loan

$15,607 Down

Government-backed, low down payment. Credit scores as low as 580.

🏦

Conventional

$22,295 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 23, 2026.

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