3629 WHISTLING LANE, LAND O LAKES, FL, 34639
Active143 days on marketListed Mar 19, 2026MLS #TB8488265
About this home
3629 WHISTLING LANE
Why settle for an ordinary neighborhood when you can enjoy the Florida boating lifestyle every day? Welcome to **Swann Lake**, an exclusive gated community of just 55 custom homes with private access to **Lake Padgett**, the largest ski lake in Pasco County. Launch your boat just minutes from your front door and spend your weekends boating, fishing, water skiing, tubing, jet skiing, kayaking, or cruising the lake before returning home to relax by your own private pool. Situated on an oversized pie-shaped lot of more than half an acre, this beautifully maintained **4-bedroom, 3-bath, 3-car garage pool home** was designed for entertaining and enjoying everything Florida has to offer. Inside, you'll find soaring ceilings, abundant natural light, plantation shutters, hardwood flooring, formal living and dining rooms, and a spacious family room with custom built-ins, a fireplace, and expansive views of the outdoor living area. The oversized kitchen is truly the heart of the home, featuring granite countertops, stainless steel appliances, a gas range, wine refrigerator, breakfast bar, oversized pantry, and generous cabinet and prep space—perfect for hosting family gatherings after a day on the water. The split-bedroom floor plan provides privacy, while the spacious primary suite offers dual walk-in closets, dual vanities, a soaking tub, separate walk-in shower, and a private water closet. Three additional bedrooms all include walk-in closets, including one ideal for a home office and another with direct access to the pool bath. Step outside to your own backyard retreat featuring a screened pool and spa with waterfall, recently sealed paver lanai, built-in outdoor grilling area, and mature landscaping that creates exceptional privacy. Whether you're entertaining friends, enjoying quiet evenings outdoors, or cooling off after a day on Lake Padgett, this backyard was built for the Florida lifestyle. Residents of Swann Lake enjoy exclusive access to a private boat ramp, community park, tennis courts, basketball court, and playground while remaining conveniently located just north of Tampa near Wesley Chapel, top-rated golf courses, shopping, dining, medical facilities, Tampa International Airport, and Florida's award-winning Gulf Coast beaches. If you're searching for a **LAND O' LAKES POOL HOME**, **LAKE PADGETT HOME**, **SKI LAKE PROPERTY**, **BOAT ACCESS HOME**, **OVERSIZED LOT**, **GATED COMMUNITY**, or a home that truly embraces the **FLORIDA OUTDOOR LIFESTYLE**, this is a rare opportunity you won't want to miss.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,884
Sqft
0.61 ac
Lot size
3
Garage
1997
Year built
One
Levels
$251
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.
$5,174 /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
$5,174/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.
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
+22.7%
$/sqft vs Land O Lakes actives
$251 vs $203
Days on market
143 vs 42 typical
Where $251/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 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)
206 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 88% 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 3629 WHISTLING LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$540,000
22127 RIVER ROCK DRIVE
4 bd · 2 ba · 2,832 sqft · $191/sqft · 5 DOM
Sold · Mar ’26$625,000
22554 CLIFFSIDE WAY
5 bd · 3 ba · 2,790 sqft · $224/sqft · 64 DOM
Sold · Jun ’26$590,000
22548 CLIFFSIDE WAY
4 bd · 4 ba · 3,078 sqft · $192/sqft · 15 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 3629 WHISTLING LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3629 WHISTLING LANE — 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
3629 WHISTLING LANE FAQs
What would the monthly payment be for 3629 WHISTLING LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,174/mo — principal and interest, the actual property-tax bill, the $202/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 3629 WHISTLING LANE?+
The association fee works out to $202 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3629 WHISTLING LANE?+
The most recent tax bill on record (2025) was $7,546. 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 3629 WHISTLING LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 $724,900, this home is listed about 73% 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 3629 WHISTLING LANE?+
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
01Positioned at the premium end
$724,900 runs 88% above the LAND O LAKES 34639 median — but at 2,884 sqft it's also 41% larger than the typical Land O Lakes listing.
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
143 days on market against a Land O Lakes median of 42 — 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 $770,000, now $724,900 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EPIQUE REALTY INC. · Stacy Gervais. MLS #TB8488265.
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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