12620 LAGOON LANE, TREASURE ISLAND, FL, 33706
Active128 days on marketListed Mar 31, 2026MLS #TB8492350
About this home
12620 LAGOON LANE
This is a land opportunity in one of the most desirable boating locations on the Treasure Island. The existing structure is a tear down. The value is in the lot and the waterfront position. The property offers a 46 by 100 lot with 50 feet BEYOND THE DOCK deeded into the water, giving you control and flexibility to build with confidence. The dock was repaired after the 2024 storms and includes a 10,000 lb lift. The water is deep, protected, and positioned for serious boating. You are just off John’s Pass, which means fast access to the Gulf and an easy ride to multiple waterfront restaurants. The street is quiet and set back from Gulf Blvd, reducing traffic while still keeping you close to beaches, dining, and daily conveniences. Zoning allows for single family or duplex, which opens the door for personal use, income production, or a combination of both. Public water and sewer are in place. The existing structure already has 200 amp service, which can simplify your planning process. Many properties in Treasure Island are coming to market following the 2024 storm season. What sets this one apart is the combination of boating depth, protected water, proximity to the Pass, and flexible zoning. Those four factors are difficult to find together.
Facts & features
The home at a glance
0.26 ac
Lot size
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.
$6,339 /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
$6,339/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.
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 → $720K
Treasure Island median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 122% 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 12620 LAGOON LANE
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$310,000
126 119TH AVENUE · same community
2 bd · 2 ba · 752 sqft · $412/sqft · 123 DOM
Sold · Aug ’25$325,000
12409 GULF BOULEVARD · same community
3 bd · 2 ba · 975 sqft · $333/sqft · 76 DOM
Sold · Sep ’25$585,000
12404 SUNSHINE LANE · same community
2 bd · 2 ba · 1,140 sqft · $513/sqft · 147 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 12620 LAGOON LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12620 LAGOON LANE — 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
12620 LAGOON LANE FAQs
What would the monthly payment be for 12620 LAGOON LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,339/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 12620 LAGOON LANE?+
The most recent tax bill on record (2025) was $4,969. 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 $999,000, this home is listed about 40% above the Treasure Island median of $714,498. The market section on this page shows how the area is trending.
Which schools are assigned to 12620 LAGOON LANE?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (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
$999,000 runs 122% above the TREASURE ISLAND 33706 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Azalea Middle School, Azalea Elementary 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 REALTY EXPERTS · Donna Hildebrand, Llc. MLS #TB8492350.
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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