12529 SAINT CHARLOTTE DRIVE, Tampa, FL, 33618 | $895,000

A rare Lake Stall residence offering 100 feet of waterfrontage situated on a 16, 200 sq ft homesite in a quiet, tree-lined Carrollwood cul-de-sac of just 20 homes. Immaculate landscaping, beautiful curb appeal, and a massive paved pool deck set the tone for a home where pride of ownership shines.
This spacious 4-bedroom, 2. 5-bath home offers over 2, 900 sq ft of living space thoughtfully designed with timeless finishes. Inside, vaulted ceilings and extensive hard oak flooring create a warm, custom look rarely seen today. The flexible floorplan includes a first-floor primary suite with a large walk-in closet, while three upstairs guest bedrooms offer wall-to-wall storage, including one ideal for a craft or playroom. A flex space off the kitchen can serve as an eat-in area, hobby room, or office-style workspace. The large formal living room, currently set up as a billiards room, provides additional gathering space without compromising the home’s overall functionality. Additionally, a convenient half bathroom and laundry room are located on the main level, along with a 2-car garage. The kitchen features granite countertops, stainless steel appliances, built-in wine rack, a coffee bar, and a layout that connects comfortably to the main living areas. Plantation shutters, a fireplace, and a Florida room with serene water views enhance the home’s inviting character. Updates include new roof (2019 w/transferrable warranty), new HVAC systems (2021), hardwood flooring, new range (2025), updated windows with impact-rated standards (at the time of install), new fence, plantation shutters, updated water heater, custom kitchen renovation, and bathroom renovations during the time of current ownership. Outdoors, the property truly excels with a massive pavered pool deck, large pergola, dock, storage shed, and expansive fenced in yard overlooking the spring-fed lake known for bass fishing. It’s a peaceful setting designed for year-round enjoyment. All of this comes with a standout central Carrollwood location offering exceptional convenience. Everyday essentials, dining, parks, cultural spaces, and major routes are minutes away. N. Dale Mabry Hwy (approx. 1 mile), Carrollwood Village Park, Carrollwood Cultural Center, Carrollwood Country Club (all within 3 miles), USF (approx. 5 miles), Tampa International Airport and Downtown Tampa (approx. 20 minutes). Quick access to I-275 provides easy connectivity across Tampa Bay. Homes of this caliber and setting rarely come available in this Carrollwood enclave, schedule your showing and experience the lifestyle this lakefront property offers. Don't miss the virtual walkthrough here https: //youtu. be/KbXstjZSjLM

Features

  • Rooms: 13
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Contemporary, Florida, Traditional
  • Year Built: 1982
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,954
  • Acreage: 0.37
  • Est. Taxes: $4,323
  • Lot Desc: Cul-De-Sac, In County, Landscaped, Oversized Lot, Street Dead-End
  • View: Water
  • Elem. School: Lake Magdalene-HB
  • Middle School: Hill-HB
  • High School: Chamberlain-HB
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8451807
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/TB8451807/12529saintcharlottedrive_tampa_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 12/9/2025 7:32:11 PM)
Listing courtesy of FLORIDA EXECUTIVE REALTY   Phone: 813-908-8500

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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12529 SAINT CHARLOTTE DRIVE, Tampa, FL, 33618

$895,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $716,000 $716,000 $716,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.440% 6.133% 6.058%
Monthly Tax Payment $360 $360 $360
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,122 $4,293 $5,994
Total Monthly Payment $4,574 $4,745 $6,446

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.