12803 LAKE VISTA DRIVE, GIBSONTON, FL, 33534
Pending22 days on marketListed Jul 18, 2026MLS #TB8530203
About this home
12803 LAKE VISTA DRIVE
This 4-bedroom, 2.5-bath home offers a rare opportunity to create your dream property or next profitable project, all set against a stunning lake view backdrop. With solid bones and a highly desirable location, this property is ready for a full transformation. The spacious layout provides endless potential for redesign and modernization, while large windows frame beautiful water views that can be maximized with the right vision. Whether you’re looking to renovate and resell, hold as a rental, or build equity through improvements, this property is a prime canvas. Home requires extensive rehabilitation and is priced accordingly. Sold as is, with the right to inspect. Cash buyers and experienced investors preferred. Don’t miss your chance to unlock the full potential of this lakeview gem!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,844
Sqft
0.11 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$88
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.
$2,385 /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
$2,385/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
−42.5%
$/sqft vs Gibsonton actives
$88 vs $172
Days on market
22 vs 26 typical
Where $88/sqft sits among the 49 Gibsonton 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 Gibsonton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Gibsonton. See the full Gibsonton guide →
GIBSONTON 33534 — neighborhood snapshot
Population
18,018
Median age
33.1
Median income
$73,600
Median home value
$274,000
Avg household
3.14
Households w/ children
2,552
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gibsonton market
$310K → $306K
Gibsonton median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
20 of 49
Gibsonton actives have cut their price
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 12803 LAKE VISTA DRIVE
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$350,500
12818 LAKE VISTA DRIVE · same community
4 bd · 3 ba · 1,808 sqft · $194/sqft · 35 DOM
Sold · May ’26$325,000
12824 KINGS LAKE DRIVE · same community
4 bd · 3 ba · 1,808 sqft · $180/sqft · 61 DOM
Sold · Mar ’26$340,000
12828 KINGS LAKE DRIVE · same community
3 bd · 2.5 ba · 1,736 sqft · $196/sqft · 1 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 12803 LAKE VISTA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12803 LAKE VISTA DRIVE — 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
12803 LAKE VISTA DRIVE FAQs
What would the monthly payment be for 12803 LAKE VISTA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,385/mo — principal and interest, the actual property-tax bill, the $75/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 12803 LAKE VISTA DRIVE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12803 LAKE VISTA DRIVE?+
The most recent tax bill on record (2025) was $6,816. 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 12803 LAKE VISTA DRIVE?+
The listing reports pets: Breed Restrictions. 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 Gibsonton?+
At $249,900, this home is listed about 24% below the Gibsonton median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12803 LAKE VISTA DRIVE?+
Corr Elementary School (elementary), East Bay High School (high), 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 GIBSONTON 33534 market on paper
$249,900 is 15% below the GIBSONTON 33534 median of $295,000, and at $88/sqft it sits under the Gibsonton average of $186.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $319,000, now $249,900 — a $69K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · John Scalia. MLS #TB8530203.
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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