12520 SAINT CHARLOTTE DRIVE, Tampa, FL, 33618 | $485,000

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Welcome to this beautifully maintained home in the highly sought- after Lake Ellen area of Carrollwood! This charming 3 Bedroom, 3 Bathroom home offers the perfect blend of comfort and style with lovely luxury vinyl flooring that gives a warm and inviting feel throughout. Step inside the entryway to find a cozy dining area and a spacious eat-in kitchen that is a home chef’s dream with ample counter space and cabinets for storage-plenty of room for family and guests to join in the action of the kitchen! There is also a cheery little nook off the kitchen for relaxing once all the work is done. Both the living room and great room are large and offer many design possibilities just waiting for you to add your personal touch. The spacious garage includes a fully equipped workshop, perfect for DIY enthusiasts, woodworkers, or hobbyists. With ample storage, workbench and dedicated electrical outlets, it’s a dream space for any project. The highlight of the home is the serene backyard oasis. The large screened in lanai features a relaxing hot tub and nearby in the backyard is a tranquil pond. The perfect place to unwind. Updates include a ROOF REPLACEMENT in 2022 and SEPTIC TANK SERVICED AND DRAINFIELD REPLACEMENT in 2023 will give you peace of mind. Carrollwood is one of the most desirable neighborhoods in Tampa with many parks, golfing, dining, cultural centers, arts and entertainment nearby. With quick access to I-275, Dale Mabry Highway and Veteran’s Express Way, Busch Gardens, Tampa International Airport, Raymond James Stadium, Ybor City, Tampa Riverwalk, Amalie Arena and “All Things Tampa” are only minutes away. And a short drive to the Gulf Coast award winning beaches. Don’t miss this rare opportunity to own a beautiful home in this special Tampa neighborhood!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 89 x 112
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Contemporary
  • Year Built: 1968
  • Garage: 2-car Driveway, Garage Door Opener, Workshop in Garage
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,253
  • Acreage: 0.23
  • Lot Size: 89 x 112
  • Est. Taxes: $2,658
  • Lot Desc: In County
  • Elem. School: Lake Magdalene-HB
  • Middle School: Hill-HB
  • High School: Chamberlain-HB
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Range, Refrigerator, Washer
  • MLS#: TB8358666
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /prop/TB8358666/12520saintcharlottedrive_tampa_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/27/2025 4:52:02 AM)
Listing courtesy of CENTURY 21 ELITE LOCATIONS, INC   Phone: 813-960-0999

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12520 SAINT CHARLOTTE DRIVE, Tampa, FL, 33618

$485,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $388,000 $388,000 $388,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.025% 6.132%
Monthly Tax Payment $222 $222 $222
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,452 $2,549 $3,248
Total Monthly Payment $2,749 $2,846 $3,545

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.