3850 N LAKE DRIVE UNIT 140, TAMPA, FL, 33614
Active37 days on marketListed Jul 3, 2026MLS #TB8525799
About this home
3850 N LAKE DRIVE UNIT 140
Move right into this beautifully remodeled first-floor, 2-bedroom, 2-bath condo located in the gated community of Whisper Lakes in the highly sought-after Carrollwood area of Tampa. This turnkey home features a bright, open floor plan with stylish finishes throughout, including luxury vinyl flooring, granite countertops, and a beautifully updated kitchen and bathrooms completed in 2023. The spacious living and dining areas open to a large screened-in lanai, creating the perfect space to relax, enjoy your morning coffee, or entertain guests. A new A/C system installed in 2024 adds comfort and energy efficiency, while the low-maintenance design makes everyday living easy. Residents of Whisper Lakes enjoy access to three community pools, beautifully maintained grounds, and the security of a gated entrance. Ideally located just minutes from shopping, dining, entertainment, major highways, Tampa International Airport, and downtown Tampa, this home offers exceptional convenience and value. Whether you're looking for a primary residence, seasonal retreat, or investment opportunity, this move-in-ready condo is a must-see!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,077
Sqft
0.03 ac
Lot size
1973
Year built
One
Levels
$130
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.
$1,746 /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
$1,746/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
−8.3%
$/sqft vs WHISPER LAKE A CONDO
$130 vs $125
Days on market
37 vs 42 typical
Where $130/sqft sits among the 13 homes for sale in WHISPER LAKE A CONDO
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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33614 — neighborhood snapshot
Population
46,218
Median age
40
Median income
$51,143
Median home value
$295,700
Avg household
2.52
Households w/ children
4,623
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $434K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
7 of 13
WHISPER LAKE A CONDO have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the TAMPA 33614 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3850 N LAKE DRIVE UNIT 140
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$125,000
8601 HURON CT UNIT 44 · same community
2 bd · 2 ba · 1,077 sqft · $116/sqft · 4 DOM
Sold · Apr ’26$130,000
8609 HURON COURT UNIT 29 · same community
2 bd · 2 ba · 1,077 sqft · $121/sqft · 89 DOM
Sold · Aug ’25$82,000
8636 TAHOE COURT UNIT 13 · same community
2 bd · 2 ba · 1,077 sqft · $76/sqft · 33 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 3850 N LAKE DRIVE UNIT 140 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3850 N LAKE DRIVE UNIT 140 — 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
3850 N LAKE DRIVE UNIT 140 FAQs
What would the monthly payment be for 3850 N LAKE DRIVE UNIT 140?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,746/mo — principal and interest, the actual property-tax bill, the $680/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 3850 N LAKE DRIVE UNIT 140?+
The association fee works out to $680 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3850 N LAKE DRIVE UNIT 140?+
The most recent tax bill on record (2025) was $241. 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 3850 N LAKE DRIVE UNIT 140?+
The listing reports pets: Cats OK, Dogs OK. 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 $139,900, this home is listed about 69% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3850 N LAKE DRIVE UNIT 140?+
Crestwood Elementary School (elementary), Leto High School (high), Pierce Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the TAMPA 33614 market on paper
$139,900 is 24% below the TAMPA 33614 median of $185,000, and at $130/sqft it sits under the Tampa average of $346.
02Know the monthly fee
The association fee is $680/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03The price has already moved
Listed at $144,900, now $139,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Peter Ladis. MLS #TB8525799.
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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