16890 FORGE SURF STREET, LAND O LAKES, FL, 34638
Active8 days on marketListed Jul 30, 2026MLS #O6429625
About this home
16890 FORGE SURF STREET
Welcome to one of Angeline’s most private and beautifully maintained end-unit villas. Perfectly positioned on a premium homesite, this exceptional villa offers a rare combination of privacy and peaceful surroundings. With generous space between neighboring homes and a deep conservation area behind the property, you’ll enjoy an open, tranquil setting that’s difficult to find. Lovingly maintained and lightly lived in, this home feels fresh, clean, and exceptionally well cared for. Much of the home has seen minimal use, contributing to its immaculate condition. Offering over 1,600 square feet of thoughtfully designed living space, this home features two spacious bedrooms, two full bathrooms, and a versatile bonus room with a custom barn door—ideal as a home office, den, media room, or guest space. The bright, open-concept layout is designed for both comfortable everyday living and effortless entertaining, flowing seamlessly to the screened lanai where you can relax and enjoy the peaceful conservation setting. Thoughtful upgrades throughout the home include a whole-home water filtration system, a reverse osmosis drinking water system at the kitchen sink, upgraded lighting, upgraded ceiling fans, expanded hanging space in the primary suite closet, added garage shelving for exceptional storage, and professionally sealed pavers for lasting beauty and easy maintenance. Beyond your front door, enjoy the exceptional lifestyle that makes Angeline one of the Tampa Bay area’s most sought-after master-planned communities. Residents enjoy a resort-style pool, state-of-the-art fitness center, pickleball and bocce courts, playgrounds, parks, miles of scenic walking and biking trails, and a vibrant social calendar filled with community events and activities. Conveniently located near shopping, dining, major highways, and the nationally recognized Moffitt Cancer Center and expanding medical campus, you’ll enjoy the perfect balance of tranquility and accessibility. If you’ve been considering new construction, experience this exceptional home first. With premium privacy, thoughtful upgrades already in place, and true move-in-ready convenience, this villa offers an opportunity to enjoy the very best of modern Florida living from day one.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,615
Sqft
0.12 ac
Lot size
1
Garage
2023
Year built
One
Levels
$180
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.
$2,784 /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
$2,784/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
−13.2%
$/sqft vs Land O Lakes actives
$180 vs $206
Days on market
8 vs 42 typical
Where $180/sqft sits among the 400 Land O Lakes actives
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 Land O Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Land O Lakes. See the full Land O Lakes guide →
LAND O LAKES 34638 — neighborhood snapshot
Population
35,900
Median age
37.7
Median income
$117,931
Median home value
$378,200
Avg household
3.15
Households w/ children
5,294
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Land O Lakes market
$423K → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
212 of 400
Land O Lakes actives have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the LAND O LAKES 34638 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 16890 FORGE SURF STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$270,000
16793 FORGE SURF STREET · same community
2 bd · 2 ba · 1,615 sqft · $167/sqft · 45 DOM
Sold · Mar ’26$340,000
17216 MANGO SHAY COURT · same community
2 bd · 2 ba · 1,683 sqft · $202/sqft · 60 DOM
Sold · Nov ’25$349,900
10098 BANYAN BREEZE BOULEVARD · same community
2 bd · 2 ba · 1,783 sqft · $196/sqft · 152 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 16890 FORGE SURF STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16890 FORGE SURF STREET — 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
16890 FORGE SURF STREET FAQs
What would the monthly payment be for 16890 FORGE SURF STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,784/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 16890 FORGE SURF STREET?+
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 16890 FORGE SURF STREET?+
The most recent tax bill on record (2025) was $4,460. 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 16890 FORGE SURF STREET?+
The listing reports pets: Yes. 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 Land O Lakes?+
At $289,900, this home is listed about 31% below the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 16890 FORGE SURF STREET?+
Land O' Lakes High School (high), Connerton Elementary School (elementary), Pine View Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LAND O LAKES 34638 market on paper
$289,900 is 22% below the LAND O LAKES 34638 median of $369,495, and at $180/sqft it sits under the Land O Lakes average of $218.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Land O' Lakes High School, Connerton Elementary School, Pine View Middle School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $299,000, now $289,900 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHEVON EATON · Chevon Eaton. MLS #O6429625.
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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