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Overview

5 bd4 ba3,378 sqft3 car garageSingle Family
TypeSingle Family
HOA$495/qtr
Built2024
Lot14,446 sqft
Living area3,378 sqft
Price / sqft$266
Garage3 car

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About this home

Ceiling Fans(s)High CeilingsIN Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

12862 Carmela Cir W is a 2024-built home in Carmela Sub, San Antonio. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,378 square feet of living space. Listed at $899,000 (about $266/sqft), 125 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $495 quarterly.

From the listing

Positioned on an oversized corner lot within Carmela, a community of just 41 homes, this exceptional 5-bedroom residence combines generous living space, quality upgrades, and a versatile floor plan designed to accommodate a variety of lifestyle needs. Featuring 10-foot ceilings, elevated finishes throughout, and a thoughtfully designed layout, this home offers both sophistication and functionality. With NO CDD and a low HOA. With more than 3,378 sq ft of living space, this home offers a flexible floor plan with 4 bedrooms downstairs, and an office/flex space. Upstairs has a large loft and an additional bedroom with its own closet and private bathroom. This separate upper-level living space offers numerous possibilities for guests, multi-generational living, extended stays, a private retreat, or a secondary work-from-home setup. The open-concept main living area is filled with natural light and flows seamlessly into the kitchen and dining spaces, creating an ideal setting for everyday living and entertaining. The gourmet kitchen features ample cabinetry, generous counter space, and a large island overlooking the main gathering area. The primary suite offers a spacious retreat with an en-suite bath, oversize shower, and walk-in closet. At the same time, the additional bedrooms and office provide flexibility to accommodate a variety of lifestyle needs. Outside, the oversized corner lot offers added outdoor space and curb appeal. This home is conveniently located near Mirada Lagoon, St. Leo University, and offers easy access to SR-52, minutes from I-75, providing convenient access to shopping, dining, recreation, and surrounding areas. Schedule your private tour today!

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The essentials

Built
2024
Price / sqft
$266
On market
125 days
Annual tax
$11,634
HOA
$495/qtr
Flood zone
X · Low risk
Lot
14,446 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
3 car garage
0.33 acres
Lot size
3,378 sqft
Living area

Payment

Est. monthly payment
$6,273/mo
Down payment (20%)
$179,800
Property taxes
$969/mo
HOA
$495/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
14,446 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
125
Ceiling Fans(s)
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Sidewalk
Sliding Doors
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Exhaust Fan
Microwave
Refrigerator
Washer
Wine Refrigerator
Elementary
San Antonio-PO
Middle
Pasco Middle-PO
High
Pasco High-PO

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$11,634
Parcel #
20-25-02-0290-00000-0370

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Carmela Sub
County
Pasco
MLS Area
33576 - San Antonio
Lot Size
14,446 sqft
Corner LotCul-De-SacLandscapedOversized LotSidewalkPaved
HOA
$495/qtr
Carmela HOA c/o West Coast Management Processing

Price history

Date
Event
Price
7/6/2026
Price change
Source: Stellar MLS #TB8517583
$899,000-2.2%
$266/sqft
6/10/2026
Listed for sale
Source: Stellar MLS #TB8517583
$919,000+16.0%
$272/sqft
9/4/2024
Sold
Source: Pasco County Public Record
$792,000
$234/sqft

Neighborhood

12862 Carmela Cir W
San Antonio, FL, 33576 · 33576 - San Antonio

Market insights

Offer Insights

Choose an offer strength

List price: $899,000
$895,000 – $899,000
99.5% – 100% of listTops out right at the list price
80% of listList price
50 of the last 89 home closings in 33576 landed at this number or higher (56%). The median one sat 45 days before it went under contract, and this one is on day 125 after a $20,000 cut.

Sample: 89 closed home sales in 33576 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$6,273/mo
Principal & interest$4,689
Property taxes$969
Insurance$450
HOA$165
Down payment20% · $179,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$899,000

$266 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,378 sq ft

Time on market

125 days

Year built

2024

Monthly payment

About $6,273/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $11,634 annual tax bill, insurance, and the $495/qtr HOA fee.

HOA fee

$495/qtr

Managed by Carmela HOA c/o West Coast Management Processing.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Joelle GjelajListing data from Stellar MLS, MLS# TB8517583.

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