5504 SUN UP ROAD, LAND O LAKES, FL, 34638
Active197 days on marketListed Jan 21, 2026MLS #TB8467202
About this home
5504 SUN UP ROAD
Virtually Staged. Discover a rare opportunity to build and create something truly extraordinary on the shores of beautiful Lake Thomas in Land O’ Lakes. Spanning nearly 20 acres with approximately 500 feet of lake frontage, this remarkable property offers the perfect blend of privacy, natural beauty, and development potential. Whether you envision a luxurious waterfront estate, a private family compound, or multiple custom homesites, the possibilities here are exceptional. Surrounded by mature trees and tranquil water views, the property provides a peaceful retreat while still being conveniently located near the Suncoast Parkway, top-rated schools, shopping, dining, and the growing Tampa Bay area. A recent land use feasibility report has already been completed, giving buyers valuable insight into the potential for future development and multiple buildable homesites. Large waterfront parcels of this size and flexibility are becoming increasingly difficult to find. Imagine designing your dream estate with space for guest homes, recreational amenities, boating, outdoor entertaining, and breathtaking sunset views over the lake. Builders and developers will also appreciate the opportunity to create an exclusive enclave in one of Pasco County’s fastest-growing areas. If you have been searching for a one-of-a-kind lakefront property with endless possibilities, this is your chance to bring your vision to life on one of Land O’ Lakes’ most impressive vacant land offerings.
Facts & features
The home at a glance
19.57 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 — not generic estimates.
$12,311 /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
$12,311/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.
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)
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 427% above 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 5504 SUN UP ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$255,000
4743 SCHOOL ROAD
1 bd · 1 ba · 1,005 sqft · $254/sqft · 6 DOM
Sold · Nov ’25$180,000
21018 LITTLE LAKE THOMAS ROAD
4 bd · 3 ba · 1,308 sqft · $138/sqft · 38 DOM
Sold · Jun ’26$357,000
19440 SHIP WHEEL WAY
2 bd · 2 ba · 1,368 sqft · $261/sqft · 142 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 5504 SUN UP ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5504 SUN UP ROAD — 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
5504 SUN UP ROAD FAQs
What would the monthly payment be for 5504 SUN UP ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,311/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 5504 SUN UP ROAD?+
The most recent tax bill on record (2024) was $14,231. 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 $1,900,000, this home is listed about 353% 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 5504 SUN UP ROAD?+
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
Five things that matter here
01Positioned at the premium end
$1,900,000 runs 427% above the LAND O LAKES 34638 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
197 days on market against a Land O Lakes median of 44 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $2,000,000, now $1,900,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Ashley Gajdosz. MLS #TB8467202.
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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