3545 LAKE PADGETT DRIVE, LAND O LAKES, FL, 34639
Active375 days on marketListed Jul 24, 2025MLS #TB8410357
About this home
3545 LAKE PADGETT DRIVE
LAKE PADGETT LAKE FRONT HOME NOW AVAILABLE. This updated 3-bedroom, 3-bath lakefront pool home in Lake Padgett Estates offers direct views of Lake Padgett from nearly every room. The pool patio is approx 2,600 sq ft (58’ x 45’) making this a family entertainment center, with area for everyone and then some. The spacious ranch-style layout features oversized sliding doors, wood floors (installed 2020), custom kitchen cabinets (2020) with gas stove, and a large swimming pool (38x23 ft shallow, 18 ft deep). Recent updates include a new roof (2020), AC (2023/2024), pool pump (2025), solar heated pool (2020), water heater (2023/2024), all home lighting updated and pool refinishing with new tile (2020). Also, a large underground propane tank for home generator. Electric panel was updated (2020) to accommodate a portable home generator. No popcorn ceilings, updated 2020. Screen cage replaced in 2022. Epoxy garage floor with flakes in 2018. 6 inch baseboards thru home installed in 2022. New gutters & soffit installed in 2021. Water softener system 2018 and Culligan has maintained since. Situated on over 0.64 acres with plenty of yard space, this home is located in a non-HOA community and is ideal for lake living. The community has an equestrian center, trails, community parks with private boat ramps, docks, beaches, playgrounds, tennis & pickle ball courts and so much more. Owner is agent.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,198
Sqft
0.64 ac
Lot size
2
Garage
1973
Year built
One
Levels
$387
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.
$5,539 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,539/mo
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.
$/sqft vs LAKE PADGETT ESTATES
$387 vs $265
Days on market
375 vs 32 typical
Where $387/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 → $428K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
4 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 121% 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 3545 LAKE PADGETT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$515,000
22238 RIVER ROCK DRIVE · same community
3 bd · 2 ba · 2,165 sqft · $238/sqft · 130 DOM
Sold · Feb ’26$460,000
3130 LAKE SAXON DRIVE · same community
4 bd · 2 ba · 2,131 sqft · $216/sqft · 99 DOM
Sold · Dec ’25$330,000
22368 SOUTHSHORE DRIVE · same community
4 bd · 3 ba · 2,114 sqft · $156/sqft · 191 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 3545 LAKE PADGETT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3545 LAKE PADGETT 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
3545 LAKE PADGETT DRIVE FAQs
What would the monthly payment be for 3545 LAKE PADGETT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,539/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 3545 LAKE PADGETT DRIVE?+
The most recent tax bill on record (2024) was $5,678. 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 3545 LAKE PADGETT DRIVE?+
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 $850,000, this home is listed about 105% above the Land O Lakes median of $413,946. The market section on this page shows how the area is trending.
Which schools are assigned to 3545 LAKE PADGETT 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
$850,000 runs 121% 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
375 days on market against a Land O Lakes median of 32 — 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 $997,000, now $850,000 — a $147K 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 #TB8410357.
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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