12096 OAK STREET, LARGO, FL, 33774
Active95 days on marketListed Apr 30, 2026MLS #TB8503114
About this home
12096 OAK STREET
This fully renovated pool home less than 5 minutes from the beach, is not in a flood zone, and sits in a neighborhood with no rental restrictions, making it an ideal primary residence, vacation home, or investment opportunity. The home has three bedrooms, two bathrooms, and over 1,500 square feet, with an open layout designed for easy living and entertaining. The updated kitchen is the centerpiece of the home, featuring wood cabinetry, quartz countertops, stainless steel appliances, a farmhouse sink, wine fridge, and a large island with bar seating. It flows seamlessly into the living and dining areas, all finished with durable luxury vinyl plank flooring. Just off the main living space is a bright Florida room overlooking the backyard and pool, perfect for a home office, additional lounge space, or game room. Step outside to a true backyard retreat. The heated saltwater pool features a pebble finish, sun shelf with umbrella sleeve, and a fountain, all surrounded by travertine pavers, tropical landscaping, and low-maintenance artificial turf. There is also a safety pool fence and a covered seating area with a mounted TV, creating a great space to relax or entertain. Major improvements include a new roof in 2019, HVAC and ductwork in 2019, and an updated electrical panel in 2017. This property is already operating as a highly successful Airbnb with a Superhost in place, future bookings on the calendar, and over $92,000 in gross income in 2025, making it a true turnkey investment opportunity. Reach out to schedule a private showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,533
Sqft
0.18 ac
Lot size
2
Garage
1968
Year built
One
Levels
$424
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.
$4,653 /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
$4,653/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.
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
+12.2%
$/sqft vs Largo actives
$424 vs $240
Days on market
95 vs 42 typical
Where $424/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 → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
204 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 202% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12096 OAK STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$472,500
12176 CROFT DRIVE · same community
3 bd · 2 ba · 1,569 sqft · $301/sqft · 22 DOM
Sold · May ’26$510,000
13596 CROFT DRIVE N · same community
4 bd · 3 ba · 1,630 sqft · $313/sqft · 23 DOM
Sold · May ’26$525,000
12271 137TH STREET N · same community
4 bd · 2 ba · 1,428 sqft · $368/sqft · 3 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 12096 OAK STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12096 OAK STREET — 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
12096 OAK STREET FAQs
What would the monthly payment be for 12096 OAK STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,653/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 12096 OAK STREET?+
The most recent tax bill on record (2025) was $8,898. 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 Largo?+
At $650,000, this home is listed about 141% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12096 OAK STREET?+
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
Four things that matter here
01Positioned at the premium end
$650,000 runs 202% above the LARGO 33774 median — but at 1,533 sqft it's also 25% larger than the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
95 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
04Strong 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 SMITH & ASSOCIATES REAL ESTATE · Anthony Dicosimo. MLS #TB8503114.
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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