3926 COVE LAKE PLACE, LAND O LAKES, FL, 34639
Active276 days on marketListed Nov 12, 2025MLS #TB8447561
About this home
3926 COVE LAKE PLACE
Don’t miss this RARE opportunity to own the last buildable lot (builder information available upon request) in The Enclave at Lake Padgett, an exclusive 20-site, deed-restricted, gated community located on the cove of Lake Padgett. Lake Padgett is a 200-acre private lake featuring a ski course with ramps and a slalom run. The lake is spring-fed and allows boating, tubing, skiing, and jet skis. It’s also known for excellent fishing with trophy bass and bluegill. Enjoy a private and secluded waterfront setting surrounded by beautiful oak and cypress trees, right in the heart of Land O’ Lakes. Build your custom dream home here minimum 3,000 sq ft under air, with most homes in the neighborhood around 4,000 sq ft. This 0.40-acre lot offers plenty of space for a large home and pool, with 145 ft of road frontage, 185 ft depth, and 62 ft of waterfront on the cove. The property includes a natural boat ramp, and docks with lifts are permitted. A 25 ft conservation line runs from the shoreline inward. Conveniently located near Tampa’s best shopping, theme parks, sporting and concert venues, and world class beaches. Easy access to I-75, I-4, the Veterans Expressway, and I-275, and only 25 minutes to Tampa International Airport. This is an exceptional piece of property. Build your own Florida Oasis. Home Featured in Photo 2 is an example of a home that could be built on this lot. The builder of this home lives in the neighbhorhood and has built several of the houses.
Facts & features
The home at a glance
0.4 ac
Lot size
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.
$2,681 /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
$2,681/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.
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 34639 — neighborhood snapshot
Population
31,118
Median age
40.8
Median income
$99,959
Median home value
$361,100
Avg household
2.92
Households w/ children
3,955
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)
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below 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 3926 COVE LAKE PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,530,000
3944 COVE LAKE PLACE · same community
5 bd · 3.5 ba · 3,934 sqft · $389/sqft · 45 DOM
Sold · Aug ’26$250,000
22630 NEWFIELD COURT
3 bd · 2 ba · 850 sqft · $294/sqft · 7 DOM
Sold · Aug ’26$270,000
2640 MARTHA LANE
3 bd · 1 ba · 898 sqft · $301/sqft · 8 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 3926 COVE LAKE PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3926 COVE LAKE 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
3926 COVE LAKE PLACE FAQs
What would the monthly payment be for 3926 COVE LAKE PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,681/mo — principal and interest, the actual property-tax bill, the $100/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 3926 COVE LAKE PLACE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3926 COVE LAKE PLACE?+
The most recent tax bill on record (2024) was $2,469. 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 3926 COVE LAKE 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 $350,000, this home is listed about 17% below 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 3926 COVE LAKE PLACE?+
Denham Oaks Elementary School (elementary), Wiregrass Ranch High School (high), Dr. John Long Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the LAND O LAKES 34639 market on paper
$350,000 is 11% below the LAND O LAKES 34639 median of $393,900.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
276 days on market against a Land O Lakes median of 44 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Denham Oaks Elementary School, Wiregrass Ranch High School, Dr. John Long Middle School — Wiregrass Ranch High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $525,000, now $350,000 — a $175K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Jackie Little. MLS #TB8447561.
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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