3818 BISCAY PLACE, LAND O LAKES, FL, 34639
Active268 days on marketListed Nov 7, 2025MLS #TB8446089
About this home
3818 BISCAY PLACE
*****NEW PRICE*****Welcome home to this inviting gem in the heart of Lake Padgett Estates, one of Land O'Lakes most sought-after communities. Situated on a spacious .25-acre lot, the property features a fully fenced backyard ideal for pets, entertaining, or simply enjoying your own private outdoor space. Step inside to discover an inviting split layout filled with natural light, neutral tones, and classy finishes. The home chef will adore the updated kitchen with newer granite counters, soaring white cabinets and stainless steel appliances. Enjoy the cozy space for casual dining that flows openly into the family room, creating a warm, welcoming space where everyone can gather. Work from home with ease in a private office designed for focus and inspiration. Wait! There's more, check out the sunroom which extends your living space with large windows that frame peaceful backyard views. Indulge in the privacy of the cozy screened-in porch off of the primary suite, a personal retreat perfect for morning coffee or quiet evenings under the stars. A newer Roof (2023) and A/C provide peace of mind, making this home move-in ready with the big updates already completed. With its versatile office space, sunlit interiors, and private outdoor oasis with shed, and oversized garage this home caters to every sense and lifestyle whether you work from home, entertain, or simply crave peaceful living. Lake Padgett Estates offers resort-style amenities, including large community pool, clubhouse with fitness room, tennis and basketball courts, racquetball, jogging track, playground, dog park, and picnic areas. With Low HOA and No CDD, you?ll enjoy all the benefits of an active lifestyle at a great value. Conveniently located near shopping, dining, schools, and major highways, this home delivers the perfect balance of comfort, space, and community. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,880
Sqft
0.25 ac
Lot size
2
Garage
1989
Year built
One
Levels
$223
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.
$3,011 /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
$3,011/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
+12%
$/sqft vs Land O Lakes actives
$223 vs $205
Days on market
268 vs 32 typical
Where $223/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 Lake Padgett Estates East
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 East — neighborhood snapshot
Population
1,884
Median age
39
Median income
$86,033
Median home value
$297,979
Avg household
2
Households w/ children
167
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)
217 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 9% 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 3818 BISCAY PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$480,000
4744 BURLINGTON ROAD · same community
3 bd · 2 ba · 1,802 sqft · $266/sqft · 22 DOM
Sold · Aug ’25$350,000
4744 BURLINGTON ROAD · same community
3 bd · 2 ba · 1,802 sqft · $194/sqft · 47 DOM
Sold · Mar ’26$400,000
4074 PARKWAY BOULEVARD · same community
3 bd · 2 ba · 1,792 sqft · $223/sqft · 229 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 3818 BISCAY PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3818 BISCAY PLACE — 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
3818 BISCAY PLACE FAQs
What would the monthly payment be for 3818 BISCAY PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,011/mo — principal and interest, the actual property-tax bill, the $60/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 3818 BISCAY PLACE?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3818 BISCAY PLACE?+
The most recent tax bill on record (2024) was $1,597. 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 3818 BISCAY PLACE?+
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 $420,000, this home is listed about 1% 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 3818 BISCAY PLACE?+
Pine View Elementary School (elementary), Pine View Middle School (middle), Land O' Lakes High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Time on market is leverage
268 days on market against a Land O Lakes median of 32 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Pine View Elementary School, Pine View Middle School, Land O' Lakes High School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $445,000, now $420,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Lauren Fleischman. MLS #TB8446089.
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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