3848 N LAKE DRIVE UNIT 138, TAMPA, FL, 33614
Active166 days on marketListed Feb 23, 2026MLS #W7883304
About this home
3848 N LAKE DRIVE UNIT 138
Welcome to this COMPLETELY RENOVATED 1 bedroom 1 bathroom condo in the Gated community of Whisper Lake! Top to bottom renovation including updated windows and slider. New 6 inch baseboard and LVP flooring throughout as all as NEW 6" LED lighting throughout. All freshly painted. Walk into the spacious living room with an adjoining walk in storage closet. Open the slider and enjoy the views of 1 of the 3 community pools and bridge over the lagoon from the screened patio space. The open kitchen has all NEW soft close 36" cabinets with crown molding, New Stainless steel appliances, and NEW QUARTZ countertops. There is a sizeable pantry for additional storage The bathroom is well lit and all NEW, including tub, New 3/4 of an inch Glass enclosure, New toilet and Vanity with Quartz countertops. New HVAC, NEW Water Heater, All New fixtures, outlets, lighting. There is not a single thing left to do! THIS UNIT IS DEEDED A CARPORT! Enjoy the community amenities including 3 pools and clubhouse. This unit is PERFECT and ready for the next proud owners.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
682
Sqft
0 ac
Lot size
1973
Year built
Three Or More
Levels
$161
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.
$1,374 /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
$1,374/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
+10.9%
$/sqft vs WHISPER LAKE A CONDO
$161 vs $125
Days on market
166 vs 42 typical
Where $161/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 → $439K
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 41% below the TAMPA 33614 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3848 N LAKE DRIVE UNIT 138
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$101,850
3814 N LAKE DRIVE UNIT 65 · same community
1 bd · 1 ba · 682 sqft · $149/sqft · 305 DOM
Sold · Dec ’25$95,000
3817 S LAKE DRIVE UNIT 228 · same community
1 bd · 1 ba · 682 sqft · $139/sqft · 5 DOM
Sold · Apr ’26$82,500
3845 S LAKE DRIVE UNIT 191 · same community
1 bd · 1 ba · 710 sqft · $116/sqft · 88 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 3848 N LAKE DRIVE UNIT 138 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3848 N LAKE DRIVE UNIT 138 — 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
3848 N LAKE DRIVE UNIT 138 FAQs
What would the monthly payment be for 3848 N LAKE DRIVE UNIT 138?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,374/mo — principal and interest, the actual property-tax bill, the $418/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 3848 N LAKE DRIVE UNIT 138?+
The association fee works out to $418 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3848 N LAKE DRIVE UNIT 138?+
The most recent tax bill on record (2024) was $1,210. 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 3848 N LAKE DRIVE UNIT 138?+
The listing reports pets: Breed Restrictions, 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 $109,900, this home is listed about 76% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3848 N LAKE DRIVE UNIT 138?+
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
$109,900 is 41% below the TAMPA 33614 median of $185,000, and at $161/sqft it sits under the Tampa average of $346.
02Time on market is leverage
166 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $119,900, now $109,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 1% LISTS CENTRAL FLORIDA · Mike DelGrande. MLS #W7883304.
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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