21855 OCEAN PINES DRIVE, LAND O LAKES, FL, 34639
Active145 days on marketListed Mar 19, 2026MLS #TB8483037
About this home
21855 OCEAN PINES DRIVE
Welcome to this versatile, well maintained property in the heart of Land O Lakes! This 3- Bedroom 2-Bathroom pool home offers space and functionality and freedom with no HOA/CDD Fees. The property features a 2-car garage plus a dedicated Workshop(electricity), perfect for hobbies, storage or projects. Step outside to enjoy your private screened pool/lanai, fire pit and pergola. The property also includes a large covered parking and oversized driveway, ideal for Boat/RV or additional vehicles. Lake Padgett Estates is an Equestrian community with 15 acre horse stable, tennis court and community parks. Residents have triple-lake access for boating ,fishing water skiing and waterfront recreation. With plenty of room for toys, tools and outdoor living, this home combines comfort flexibility and Florida lifestyle in a desirable location close to shopping, dining and major roadways. 4 point home inspection completed- Roof 2014, AC 2015 (receipts provided) Water Heater 2026 & Updated Electrical Panel 2022 Washer Dryer and Culligan Water treatment/Softener convey. Please Call for your Private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,767
Sqft
0.26 ac
Lot size
2
Garage
1985
Year built
Two
Levels
$252
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.
$3,220 /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
$3,220/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
+4.6%
$/sqft vs LAKE PADGETT ESTATES
$252 vs $265
Days on market
145 vs 42 typical
Where $252/sqft sits among the 7 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 → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
3 of 7
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 17% 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 21855 OCEAN PINES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$447,000
3565 E LAKE DRIVE · same community
3 bd · 2 ba · 1,852 sqft · $241/sqft · 141 DOM
Sold · Feb ’26$425,000
23209 BLUE RIDGE PLACE · same community
4 bd · 2 ba · 1,936 sqft · $220/sqft · 2 DOM
Sold · Aug ’25$360,000
23067 BRIGHTON PLACE · same community
4 bd · 2 ba · 1,938 sqft · $186/sqft · 30 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 21855 OCEAN PINES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21855 OCEAN PINES 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
21855 OCEAN PINES DRIVE FAQs
What would the monthly payment be for 21855 OCEAN PINES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,220/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 21855 OCEAN PINES DRIVE?+
The most recent tax bill on record (2025) was $2,926. 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 $444,990, this home is listed about 5% above the Land O Lakes median of $422,500. The market section on this page shows how the area is trending.
Which schools are assigned to 21855 OCEAN PINES 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
$444,990 runs 17% above the LAND O LAKES 34639 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
145 days on market against a Land O Lakes median of 42 — 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 $524,999, now $444,990 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PIONEER REALTY · Melanie Diaz. MLS #TB8483037.
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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