6809 TWELVE OAKS BOULEVARD, TAMPA, FL, 33634
Active186 days on marketListed Jan 29, 2026MLS #TB8469377
About this home
6809 TWELVE OAKS BOULEVARD
Welcome to this lake front home in the desirable Twelve Oaks neighborhood! One is met by a screened and charming courtyard as you enter the home. This four bedroom two and a half bath has an extremely functional floor plan with the Primary Bedroom and en suite bath on the first floor. It has separate living and dining rooms as well as a kitchen family room combo great for entertaining. All are overlooking a serene lake view. There are also screened patios leading from the dining room as well as from the family room. Upstairs are three bedrooms and a loft or bonus room. There is a designated laundry room and large attached two car garage. The roof was replaced in March, 2025 and the house was tented in October, 2025. Twelve Oaks is conveniently located near the Veteran's Expressway, I275, bay area bridges, Tampa International Airport and with easy access to downtown Tampa. There is an active civic association with optional membership and a monthly newsletter.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,364
Sqft
0.21 ac
Lot size
2
Garage
1976
Year built
Two
Levels
$203
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 and the real association fee — not generic estimates.
$3,456 /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
$3,456/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
−13.5%
$/sqft vs Tampa actives
$203 vs $299
Days on market
186 vs 33 typical
Where $203/sqft sits among the 400 Tampa 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 Twelve Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Twelve Oaks — neighborhood snapshot
Population
3,084
Median age
40
Median income
$83,005
Median home value
$325,952
Avg household
3
Households w/ children
429
The numbers that matter
The Tampa market
$430K → $455K
Tampa median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
186 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the TAMPA 33634 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 6809 TWELVE OAKS BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$507,000
7502 W JEAN STREET
5 bd · 2.5 ba · 2,512 sqft · $202/sqft · 7 DOM
Sold · Apr ’26$530,000
6807 DICKINSON COURT
4 bd · 2 ba · 2,714 sqft · $195/sqft · 34 DOM
Sold · Aug ’25$410,000
7710 JACKSON SPRINGS ROAD
3 bd · 2 ba · 2,010 sqft · $204/sqft · 2 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6809 TWELVE OAKS BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6809 TWELVE OAKS BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
6809 TWELVE OAKS BOULEVARD FAQs
What would the monthly payment be for 6809 TWELVE OAKS BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,456/mo — principal and interest, the actual property-tax bill, the $10/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 6809 TWELVE OAKS BOULEVARD?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6809 TWELVE OAKS BOULEVARD?+
The most recent tax bill on record (2024) was $3,050. 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 6809 TWELVE OAKS BOULEVARD?+
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 Tampa?+
At $479,000, this home is listed about 3% above the Tampa median of $464,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$479,000 runs 20% above the TAMPA 33634 median — but at 2,364 sqft it's also 48% larger than the typical Tampa listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
186 days on market against a Tampa median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $525,000, now $479,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Marie Preston. MLS #TB8469377.
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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