Villa at 3962 LA COSTA LN, LARGO
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virtually staged - 3962 LA COSTA LN, LARGO
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virtually staged - 3962 LA COSTA LN, LARGO
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virtually staged - 3962 LA COSTA LN, LARGO
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27 photos

$265,000

3962 LA COSTA LN
LARGO, FL 33771
Listed by Candis Carmichael · CHARLES RUTENBERG REALTY INC
Bedrooms
2
Bathrooms
2
Living area
1,036 sqft
Year built
1986

About this home

Virtually Staged. Seller is motivated and will entertain reasonable offers. Welcome to Belle Oak Villas, where easy living meets a peaceful pond-view setting. This 2-bedroom, 2-bath villa is located in a non-flood zone and features **no carpet**, with tile and laminate flooring throughout, vaulted ceilings, a desirable split-bedroom layout, and a bright open living and dining area. Major updates include a newer 2022 roof, a new A/C installed in 2026, fresh interior paint, and a newly reglazed bathtub. Enjoy morning coffee or evening relaxation on the private screened patio overlooking the pond, with no direct rear neighbors and visiting ducks for company. Tucked away on a quiet dead-end street near one of the community’s two pools, Belle Oak Villas offers a convenient location, low quarterly HOA fee of $290, and close access to shopping, dining, and daily essentials. An ideal choice for first-time buyers or downsizers seeking move-in-ready comfort—and a smart opportunity for investors, with **no HOA waiting period to lease**. No damage or flooding from the hurricanes, this home is an ideal primary residence or for snowbirds or as an investment rental property. You won't want to miss this one!

Highlights

Waterfront

Property details

MLS #
MFRTB8525459
Property type
Villa
Subdivision
BELLE OAK VILLAS
Status
Active
Days on market
85
On market date
July 8, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.04 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
FRONTIER ELEMENTARY SCHOOL
0.59 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
679
Student:teacher ratio
14.1:1
District
PINELLAS
Middle
LARGO MIDDLE SCHOOL
2.32 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
890
Student:teacher ratio
17.5:1
District
PINELLAS
High
PINELLAS GULF COAST ACADEMY
1.85 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
223
Student:teacher ratio
20.3:1
District
PINELLAS

Walkability

Blended score for LARGO's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

81
Highly walkable
out of 100
EPA National Walkability Index
13.5 / 20 -- Above average walkable
Google Places amenity density
100 / 100
Restaurants & cafes20
Grocery stores13
Parks4
Schools3
Transit stops20
Pharmacies7

Market position

How this listing compares to current activity in LARGO, from live MLS data.

On the market 85 days -- 15 fewer days than LARGO's current average of 100 days.
For reference, the median list price across 730 active listings in LARGO right now is $220,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$1,746/mo
$53,000 down
$212,000 loan
Principal & interest$1,375
Property tax (est.)$221
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 4 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.