12862 CARMELA CIRCLE W, SAN ANTONIO, FL, 33576
Active53 days on marketListed Jun 10, 2026MLS #TB8517583
About this home
12862 CARMELA CIRCLE W
Positioned on an oversized corner lot within Carmela, a community of just 41 homes, this exceptional 5-bedroom residence combines generous living space, quality upgrades, and a versatile floor plan designed to accommodate a variety of lifestyle needs. Featuring 10-foot ceilings, elevated finishes throughout, and a thoughtfully designed layout, this home offers both sophistication and functionality. With NO CDD and a low HOA. With more than 3,378 sq ft of living space, this home offers a flexible floor plan with 4 bedrooms downstairs, and an office/flex space. Upstairs has a large loft and an additional bedroom with its own closet and private bathroom. This separate upper-level living space offers numerous possibilities for guests, multi-generational living, extended stays, a private retreat, or a secondary work-from-home setup. The open-concept main living area is filled with natural light and flows seamlessly into the kitchen and dining spaces, creating an ideal setting for everyday living and entertaining. The gourmet kitchen features ample cabinetry, generous counter space, and a large island overlooking the main gathering area. The primary suite offers a spacious retreat with an en-suite bath, oversize shower, and walk-in closet. At the same time, the additional bedrooms and office provide flexibility to accommodate a variety of lifestyle needs. Outside, the oversized corner lot offers added outdoor space and curb appeal. This home is conveniently located near Mirada Lagoon, St. Leo University, and offers easy access to SR-52, minutes from I-75, providing convenient access to shopping, dining, recreation, and surrounding areas. Schedule your private tour today!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,378
Sqft
0.33 ac
Lot size
3
Garage
2024
Year built
Two
Levels
$266
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.
$6,483 /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
$6,483/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
+28.3%
$/sqft vs San Antonio actives
$266 vs $201
Days on market
53 vs 57 typical
Where $266/sqft sits among the 144 San Antonio 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 San Antonio
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know San Antonio. See the full San Antonio guide →
SAN ANTONIO 33576 — neighborhood snapshot
Population
6,415
Median age
61.1
Median income
$77,950
Median home value
$330,500
Avg household
2.21
Households w/ children
337
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The San Antonio market
$360K → $352K
San Antonio median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
85 of 144
San Antonio actives have cut their price
Median sold price, San Antonio, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 184% above the SAN ANTONIO 33576 median. See the full San Antonio market guide →
Paper trail
This home's history
Reality check
What actually sold near 12862 CARMELA CIRCLE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$650,000
12889 OAK STREET · same community
4 bd · 3 ba · 2,847 sqft · $228/sqft · 107 DOM
Sold · Nov ’25$740,000
13921 CURLEY ROAD
4 bd · 3 ba · 3,124 sqft · $237/sqft · 46 DOM
Sold · Sep ’25$1,225,000
32859 3RD AVE
5 bd · 4.5 ba · 3,752 sqft · $326/sqft · 7 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 12862 CARMELA CIRCLE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12862 CARMELA CIRCLE W — 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
12862 CARMELA CIRCLE W FAQs
What would the monthly payment be for 12862 CARMELA CIRCLE W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,483/mo — principal and interest, the actual property-tax bill, the $165/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 12862 CARMELA CIRCLE W?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12862 CARMELA CIRCLE W?+
The most recent tax bill on record (2025) was $11,634. 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 12862 CARMELA CIRCLE W?+
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 San Antonio?+
At $899,000, this home is listed about 158% above the San Antonio median of $347,925. The market section on this page shows how the area is trending.
Which schools are assigned to 12862 CARMELA CIRCLE W?+
San Antonio Elementary School (elementary), Pasco High School (high), Pasco Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Joelle Gjelaj. MLS #TB8517583.
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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