3922 LAKE JOYCE DRIVE, LAND O LAKES, FL, 34639
Active585 days on marketListed Dec 30, 2024MLS #TB8333772
About this home
3922 LAKE JOYCE DRIVE
Short Sale. SHORT SALE APPROVED by Lender. LAKEFRONT LIVING IN LAKE PADGETT ESTATES – NO HOA! Welcome home to your own piece of paradise on tranquil Lake Joyce, where you can fish right from your private backyard dock! This beautifully updated ranch-style lakefront home is nestled in the highly sought-after, golf cart-friendly community of Lake Padgett Estates, featuring 3 private ski lakes and a community equestrian center. RECENT UPGRADES INCLUDE: NEW Roof (2023) NEW Well Pump (2023) NEW A/C (2022) Septic System Pumped (2023) Vinyl Flooring Throughout (2023) HOME FEATURES: 3 Spacious Bedrooms (All fit king-size beds with room to spare) 2 Full Bathrooms Updated Kitchen Large Indoor Laundry Room with additional storage and pantry Open Living/Dining Room Combo Separate Family/Dining Area Two Covered & Screened Patios Oversized Garage with Built-in Storage Direct Waterfront Access with Dock Enjoy breathtaking lake views from the living room, family room, and two of the bedrooms. The generously sized lot provides plenty of space for outdoor entertaining, gardening, or simply relaxing by the water. The backyard is fenced with a 4 ft. vinyl chain link fence across the rear to preserve the stunning lake views, while the wood privacy fencing on the sides adds seclusion. COMMUNITY AMENITIES: 3 Ski Lakes Waterfront Parks & Playgrounds Tennis & Pickleball Courts Equestrian Center Active Golf Cart Community NO HOA! This is your chance to live the lakefront lifestyle with the freedom of no HOA restrictions. Bring your boat, your golf cart, and your dreams—Lake Joyce is waiting!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,896
Sqft
0.36 ac
Lot size
2
Garage
1973
Year built
One
Levels
$264
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 — not generic estimates.
$3,686 /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
$3,686/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
+22.9%
$/sqft vs LAKE PADGETT ESTATES
$264 vs $288
Days on market
585 vs 44 typical
Where $264/sqft sits among the 8 homes for sale in LAKE PADGETT ESTATES
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 Lake Padgett Estates
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 →
Lake Padgett Estates — neighborhood snapshot
Population
2,759
Median age
50
Median income
$106,965
Median home value
$360,899
Avg household
3
Households w/ children
277
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)
5 of 8
LAKE PADGETT ESTATES have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the LAND O LAKES 34639 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 3922 LAKE JOYCE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$425,000
23209 BLUE RIDGE PLACE · same community
4 bd · 2 ba · 1,936 sqft · $220/sqft · 2 DOM
Sold · Aug ’25$360,000
23067 BRIGHTON PLACE · same community
4 bd · 2 ba · 1,938 sqft · $186/sqft · 30 DOM
Sold · Nov ’25$447,000
3565 E LAKE DRIVE · same community
3 bd · 2 ba · 1,852 sqft · $241/sqft · 141 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 3922 LAKE JOYCE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3922 LAKE JOYCE DRIVE — 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
3922 LAKE JOYCE DRIVE FAQs
What would the monthly payment be for 3922 LAKE JOYCE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,686/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 3922 LAKE JOYCE DRIVE?+
The most recent tax bill on record (2023) was $4,333. 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 Land O Lakes?+
At $500,000, this home is listed about 19% above the Land O Lakes median of $419,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3922 LAKE JOYCE DRIVE?+
Lake Myrtle Elementary School (elementary), Charles S. Rushe Middle School (middle), Sunlake High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$500,000 runs 32% above the LAND O LAKES 34639 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
585 days on market against a Land O Lakes median of 44 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake Myrtle Elementary School, Charles S. Rushe Middle School, Sunlake High School — Charles S. Rushe Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $550,000, now $500,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RICHARD DOYLE REAL ESTATE · April Wakefield. MLS #TB8333772.
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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