3962 LA COSTA LANE, LARGO, FL, 33771
Active17 days on marketListed Jul 8, 2026MLS #TB8525459
Come see it
Upcoming open house
Sun, Jul 26
1:00 PM – 3:00 PM
About this home
3962 LA COSTA LANE
Virtually Staged. No Carpet, no-flood zone, new AC (2026), newer roof (2022), freshly painted interior. Welcome to this charming 2-bedroom, 2-bath villa in Belle Oak Villas, a quiet hidden-gem community tucked away from the hustle and bustle yet close to everyday conveniences. This inviting home offers a desirable split-bedroom layout, vaulted ceilings, and an open-concept living and dining area that feels bright, comfortable, and easy to live in. With no carpet and tile/laminate flooring throughout, the home is both stylish and low-maintenance. The freshly painted interior gives the space a clean, move-in-ready feel, while the private screened rear patio creates the perfect spot to enjoy your morning coffee or unwind at the end of the day. Overlooking a peaceful pond with no direct rear neighbors, the setting offers exceptional privacy and a relaxing natural backdrop — ducks included. The front of the home also features attractive landscaping, adding curb appeal and a touch of garden charm without demanding a lot of upkeep. Major updates provide peace of mind, including a roof replaced in 2022, a new HVAC system installed in June 2026, and a 40-gallon water heater from 2017. The home is also located in a non-flood zone, adding another layer of comfort and value. Situated on a dead-end street, this villa enjoys a quieter location while still being just a short distance from one of the community’s two pools. With a low HOA of just $290 quarterly and a location that balances privacy, convenience, and community amenities, this villa is a wonderful opportunity for someone seeking easy living in a serene setting. Don’t miss this well-maintained home with thoughtful updates and a truly special backdrop.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,036
Sqft
0.04 ac
Lot size
1986
Year built
One
Levels
$261
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.
$2,229 /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
$2,229/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
−4.2%
$/sqft vs Largo actives
$261 vs $237
Days on market
17 vs 42 typical
Where $261/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 Belle Oak Villas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Belle Oak Villas — neighborhood snapshot
Population
605
Median age
45
Median income
$54,156
Median home value
$246,200
Avg household
2
Households w/ children
70%
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)
203 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 23% above the LARGO 33771 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3962 LA COSTA LANE
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$250,000
3926 LA COSTA LANE · same community
2 bd · 2 ba · 1,036 sqft · $241/sqft · 71 DOM
Sold · Oct ’25$310,700
3911 LA COSTA LANE · same community
2 bd · 2 ba · 1,036 sqft · $300/sqft · 24 DOM
Sold · May ’26$258,000
3888 EL CAMINO COURT · same community
2 bd · 2 ba · 1,036 sqft · $249/sqft · 138 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 3962 LA COSTA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3962 LA COSTA 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
3962 LA COSTA LANE FAQs
What would the monthly payment be for 3962 LA COSTA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,229/mo — principal and interest, the actual property-tax bill, the $97/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 3962 LA COSTA LANE?+
The association fee works out to $97 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3962 LA COSTA LANE?+
The most recent tax bill on record (2025) was $3,155. 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 3962 LA COSTA LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 Largo?+
At $270,000, this home is priced right at the Largo median.
Which schools are assigned to 3962 LA COSTA LANE?+
Largo Middle School (middle), Southern Oak Elementary School (elementary), Largo 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
$270,000 runs 23% above the LARGO 33771 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
Largo Middle School, Southern Oak Elementary School, Largo High School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Candis Carmichael. MLS #TB8525459.
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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