John Carpenter
$1,277,3004 bd3 ba3,150 sqft$405 /sqft$7,692 /mo all-in ↓

12870 N ARMENIA AVENUE, TAMPA, FL, 33612

Active18 days on marketListed Jul 30, 2026MLS #TB8530894

New constructionPrivate poolSingle Family ResidenceGREENMOOR SUB

About this home

12870 N ARMENIA AVENUE

An architect-designed modern estate overlooking West Lake, this newly completed custom residence delivers a rare combination of contemporary design, resort-style outdoor living, and construction engineered for Florida. Set behind a private electric gate on a fully fenced homesite, the residence offers 3,150 heated square feet and nearly 4,800 total square feet, with lake views, a heated pool, multiple covered entertaining spaces, and architectural details seldom found together in Carrollwood new construction. Designed by Tampa-based RIOS Architecture under the direction of Florida-licensed architect Alex Rios, the home reflects a cohesive vision carried from its bold exterior form through every interior finish. Two-story concrete-block construction, a standing-seam metal roof, Miami-Dade HVHZ impact-rated windows and doors, a hurricane-rated garage door, 400-amp electrical service, copper plumbing, dual-zone Trane HVAC systems, enhanced wall insulation, a tankless water heater, and universal EV charging provide the substance behind the style. Inside, 10-foot ceilings on both levels, expansive glass, wide-plank glue-down engineered hardwood, large-format porcelain, and a dramatic floating staircase with motion-activated lighting create an immediate sense of scale and refinement. The great room is anchored by a floor-to-ceiling porcelain fireplace surround and opens through 8-foot sliders to the pool and covered lanai, allowing everyday living and entertaining to flow effortlessly outdoors. The chef’s kitchen is designed to command attention and perform at full capacity. A 12-foot Calacatta Gold quartz waterfall island creates a natural gathering place, complemented by custom ceiling-height cabinetry, a 60-inch built-in refrigerator, 36-inch professional-style range, pot filler, wave-gesture hood, second convection oven, built-in microwave, workstation sink, pop-up outlets, integrated lighting, and a dedicated coffee and beverage station. Upstairs, the open loft extends onto an extraordinary terrace of more than 600 square feet, approximately half covered, with porcelain flooring, a tongue-and-groove ceiling, integrated speakers, lake views to the front, and pool views to the rear. The primary suite offers its private lake-view balcony, fireplace, concealed sliding privacy panels, designer lighting, and a generous walk-in closet. Its spa-inspired bath pairs a floating double vanity with Calacatta Gold quartz, a freestanding soaking tub, backlit mirror, frameless glass, rainfall shower, handheld wand, body sprays, and floor-to-ceiling porcelain slabs. A private first-floor second primary suite with its own exterior entrance offers exceptional flexibility for guests, extended stays, or multigenerational living. Outside, the home becomes a private resort with an automated salt-heated pool and sun shelf, covered lanai, freestanding lounge pavilion, adjustable louvered pergola, mature landscaping, privacy walls, app-controlled lighting, pool controls, security cameras, smart locks, automated blinds, Nest thermostats and integrated surround sound. Parking for up to 10 vehicles makes entertaining effortless. Few homes unite this level of architectural authority, storm-ready construction, advanced technology, private guest flexibility, lake views, and layered outdoor living in one completed residence. For the buyer who has been waiting for something genuinely distinctive, not another repeated floor plan, this is the opportunity.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,150

Sqft

0.28 ac

Lot size

2

Garage

2026

Year built

Two

Levels

$405

Per sqft

Private poolFireplaceTrees/Woods & Water view

Inside

FlooringEngineered Hardwood · Marble · Porcelain Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room · Upper Level
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Zoned

Outside & construction

RoofMetal
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ParkingCovered · Electric Vehicle Charging Station(s) · Garage Door Opener
ExteriorBalcony · Lighting · Private Entrance · Private Yard · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$1,931/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,692 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,892
PMI (est., until 20% equity)$479
Property tax — 2025 actual bill$161
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $127,730Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $127,730
Interest rate6.00%
Loan term

Estimated payment

$7,692/mo

Principal & interest$6,892
PMI (est., until 20% equity)$479
Property taxes (actual bill)$161
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.3M
$915KedgeAI estimate $1,044,866 · range $953K$1.3M$1.3M

vs edgeAI estimate

+22.2%

$/sqft vs Tampa actives

$405 vs $301

Days on market

18 vs 42 typical

Where $405/sqft sits among the 400 Tampa actives

222
102 · this home
32
12
9
23
$150–321$321–492$492–663$663–834$834–1005$1005+

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

Map of 12870 N ARMENIA AVENUE

Drive times from this address

Downtown Tampa15 min
Tampa Int’l Airport (TPA)22 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

TAMPA 33612 — neighborhood snapshot

Population

49,899

Median age

34.2

Median income

$43,919

Median home value

$249,600

Avg household

2.57

Households w/ children

5,850

For the school run

Hillsborough County School District

ElementaryForest Hills Elementary School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★
HighWharton High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$413K$438K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

226 of 400

Tampa actives have cut their price

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 315% above the TAMPA 33612 median. See the full Tampa market guide →

Paper trail

This home's history

Jul 30, 2026Listed at $1,277,300 · 18 days on market since
2026Built · GREENMOOR SUB

Reality check

What actually sold near 12870 N ARMENIA AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2113 CARROLL LANDING DRIVESold · Feb ’26

$900,000

2113 CARROLL LANDING DRIVE

4 bd · 3.5 ba · 3,176 sqft · $283/sqft · 0 DOM

10902 BENT TREE PLACESold · Feb ’26

$795,000

10902 BENT TREE PLACE

3 bd · 3 ba · 3,112 sqft · $255/sqft · 5 DOM

3042 SAMARA DRIVESold · Jun ’26

$790,000

3042 SAMARA DRIVE

4 bd · 3 ba · 3,081 sqft · $256/sqft · 4 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 12870 N ARMENIA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12870 N ARMENIA AVENUE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12870 N ARMENIA AVENUE FAQs

What would the monthly payment be for 12870 N ARMENIA AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,692/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 12870 N ARMENIA AVENUE?+

The most recent tax bill on record (2025) was $1,931. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Tampa?+

At $1,277,300, this home is listed about 184% above the Tampa median of $449,900. The market section on this page shows how the area is trending.

Which schools are assigned to 12870 N ARMENIA AVENUE?+

Forest Hills Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Wharton High School (high) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of REAL BROKER, LLC · Craig Kincheloe. MLS #TB8530894.

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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