20835 RIVERFOREST DRIVE, LAND O LAKES, FL, 34638
Active141 days on marketListed Mar 20, 2026MLS #TB8479415
About this home
20835 RIVERFOREST DRIVE
One or more photo(s) has been virtually staged. One or more photo(s) has been virtually staged. Major system updates, an expansive floor plan, and a nearly quarter-acre homesite make this gated Land O' Lakes home a standout opportunity. Offering over 2,500 square feet, this 4-bedroom, 2-bath residence gives buyers added peace of mind with a brand-new roof to be installed prior to closing, a 2021 A/C, and a 2024 water heater, helping minimize future maintenance expenses from day one. Inside, soaring ceilings, elegant architectural details, and an abundance of natural light complement the home's thoughtfully designed layout. Multiple flex spaces at the front of the home provide endless possibilities for a home office, formal dining room, playroom, or additional living area. At the heart of the home, the spacious kitchen features stainless steel appliances, abundant cabinetry, a center island, and a dedicated dining area that opens seamlessly to the oversized family room, creating an ideal space for everyday living and entertaining. The functional layout also provides an excellent opportunity for future cosmetic updates, allowing the next owner to personalize the space without the expense of reconfiguring the floor plan. The split-bedroom design offers added privacy, with a generous primary suite featuring dual vanities, a soaking tub, separate walk-in shower, and a large walk-in closet. Three additional bedrooms have been freshly painted and include new ceiling fans, making them move-in ready. Step outside to the screened lanai overlooking an almost quarter-acre backyard with plenty of room for pets, entertaining, or creating your own outdoor oasis. Completing the home is a spacious 3-car garage, durable wood-look tile flooring throughout the main living areas, and zoning for highly rated Land O' Lakes High School. Combining generous living space, meaningful recent updates, and exceptional flexibility, 20835 Riverforest Drive is ready to welcome its next owner. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,534
Sqft
0.23 ac
Lot size
3
Garage
2004
Year built
One
Levels
$197
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.
$3,635 /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
$3,635/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
+7.2%
$/sqft vs PINE GLEN
$197 vs $211
Days on market
141 vs 42 typical
Where $197/sqft sits among the 6 homes for sale in PINE GLEN
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 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)
6 of 6
PINE GLEN have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% 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 20835 RIVERFOREST DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$540,000
20828 WOODVALE LANE · same community
4 bd · 2 ba · 2,540 sqft · $213/sqft · 56 DOM
Sold · Apr ’26$426,000
6298 LAKEPINE STREET · same community
3 bd · 2.5 ba · 2,444 sqft · $174/sqft · 77 DOM
Sold · Apr ’26$460,000
6286 LAKEPINE STREET · same community
3 bd · 2.5 ba · 2,444 sqft · $188/sqft · 18 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 20835 RIVERFOREST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20835 RIVERFOREST 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
20835 RIVERFOREST DRIVE FAQs
What would the monthly payment be for 20835 RIVERFOREST DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,635/mo — principal and interest, the actual property-tax bill, the $98/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 20835 RIVERFOREST DRIVE?+
The association fee works out to $98 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20835 RIVERFOREST DRIVE?+
The most recent tax bill on record (2025) was $2,620. 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 20835 RIVERFOREST 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 $499,000, this home is listed about 19% above the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20835 RIVERFOREST DRIVE?+
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
$499,000 runs 35% above the LAND O LAKES 34638 median — but at 2,534 sqft it's also 25% larger than the typical Land O Lakes listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
141 days on market against a Land O Lakes median of 42 — 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 $530,000, now $499,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Nick Pollina. MLS #TB8479415.
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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