David Ramirez
$469,9004 bd2 ba1,989 sqft$236 /sqft$3,774 /mo all-in ↓

20121 AZUL MARBLE LOOP, LAND O LAKES, FL, 34638

Active107 days on marketListed Apr 8, 2026MLS #TB8492775

Single Family ResidenceRIVERSTONE

About this home

20121 AZUL MARBLE LOOP

Welcome to 20121 Azul Marble Loop in Land O’ Lakes, Florida where style, space, and thoughtful upgrades come together in one exceptional, move-in ready home. Located in the sought-after Riverstone community with NO CDD fees and no front neighbors, this beautifully maintained single-story residence offers both privacy and convenience on a fully fenced homesite. Step through the impressive 8-foot entry door and into a bright, airy interior highlighted by soaring 9’4” ceilings and an expansive foyer that immediately sets the tone. Designed with a desirable split floorplan, this home offers both functionality and comfort for everyday living. To the left, you’ll find two generously sized secondary bedrooms, each enhanced with elegant wainscoting, ceiling fans, and window treatments, creating stylish and inviting spaces. A full bathroom nearby features granite countertops, upgraded vanity lighting, and a spacious linen closet for added storage. At the heart of the home, the open-concept living area is truly designed to impress. The kitchen boasts abundant cabinetry, sealed granite countertops, a stylish subway tile backsplash, custom pendant light over the expansive island, and ample prep space, perfect for entertaining or casual dining. Thoughtful upgrades include a reverse osmosis system at the kitchen sink, stainless steel appliances, and a sleek glass cooktop range, adding both style and convenience to everyday living. The space flows seamlessly into the dining area accented with a custom light fixture. The expansive great room features a custom floor to ceiling built-in entertainment unit and custom window treatments adding both charm and functionality. From the dining area, 8-foot glass sliding doors invite in natural light and lead to a spacious covered lanai, creating the perfect indoor-outdoor living experience. Step outside to the fully fenced backyard, ready for your personal touch, whether you envision a garden oasis, outdoor kitchen, or simply a peaceful space to unwind. Privately situated at the rear of the home, the spacious owner’s suite offers a relaxing retreat with a large walk-in closet and ceiling fan. The ensuite bath features double sinks, granite countertop, a walk-in shower, and an oversized linen closet, providing both comfort and convenience. On the opposite side of the home, the fourth bedroom is tucked away for maximum privacy, ideal for guests, a home office, or flex space to suit your needs. The oversized laundry room comes fully equipped with washer and dryer and offers plenty of additional storage. Additional upgrades include 8-foot doors throughout, upgraded tile flooring throughout all living areas, bathrooms, and the laundry room ensures durability and easy maintenance. Window treatments, light fixtures and ceiling fans, enhance the home’s open and elevated feel that make this property truly stand out. Reclaimed water for irrigation & Hurricane Shutters. This is more than just a home, it’s a lifestyle. With its modern upgrades, functional layout, and prime location, this one is must-see. Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,989

Sqft

0.13 ac

Lot size

2

Garage

2024

Year built

One

Levels

$236

Per sqft

Trees/Woods viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Kitchen Reverse Osmosis System · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Thermostat · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationBlock · Slab
ViewTrees/Woods
FacesNortheast
ParkingCovered
ExteriorIrrigation System · Lighting · Rain Gutters

Community & fees

HOA fee$110/mo
Taxes (2025)$6,363/yr
PetsYes
CommunityCommunity Mailbox

Utilities & systems

UtilitiesCable Connected · Electricity Connected
WaterPublic

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.

$3,774 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,766
FHA mortgage insurance (est.)$208
Property tax — 2025 actual bill$530
HOA fee — from the listing$110
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,447Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,447
Interest rate6.00%
Loan term

Estimated payment

$3,774/mo

Principal & interest$2,766
FHA mortgage insurance (est.)$208
Property taxes (actual bill)$530
HOA / condo fee$110
Est. insurance$160

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.

List $470K
$403KedgeAI estimate $439,308 · range $420K$494K$513K

vs edgeAI estimate

+7%

$/sqft vs Land O Lakes actives

$236 vs $206

Days on market

107 vs 32 typical

Where $236/sqft sits among the 400 Land O Lakes actives

97
120
79 · this home
52
19
33
$154–182$182–209$209–236$236–264$264–291$291+

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

Map of 20121 AZUL MARBLE LOOP

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)42 min

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

HighLand O' Lakes High School★★★★
ElementaryConnerton Elementary School★★★★★
MiddlePine View Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Land O Lakes market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$423K$428K

Land O Lakes median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

221 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 29% above the LAND O LAKES 34638 median. See the full Land O Lakes market guide →

Paper trail

This home's history

Apr 8, 2026Listed at $469,900 · 107 days on market since
2024Built · RIVERSTONE

Reality check

What actually sold near 20121 AZUL MARBLE LOOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6330 BURNING OPAL BENDSold · Mar ’26

$399,000

6330 BURNING OPAL BEND · same community

4 bd · 2 ba · 1,989 sqft · $201/sqft · 264 DOM

5748 SILTSTONE STREETSold · Sep ’25

$335,000

5748 SILTSTONE STREET · same community

4 bd · 2 ba · 1,828 sqft · $183/sqft · 112 DOM

6171 BURNING OPAL BENDSold · Aug ’25

$391,107

6171 BURNING OPAL BEND · same community

4 bd · 2 ba · 1,707 sqft · $229/sqft · 0 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 20121 AZUL MARBLE LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20121 AZUL MARBLE LOOP — 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.

Goes straight to David’s phone and CRM.

Straight answers

20121 AZUL MARBLE LOOP FAQs

What would the monthly payment be for 20121 AZUL MARBLE LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,774/mo — principal and interest, the actual property-tax bill, the $110/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 20121 AZUL MARBLE LOOP?+

The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 20121 AZUL MARBLE LOOP?+

The most recent tax bill on record (2025) was $6,363. 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 20121 AZUL MARBLE LOOP?+

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 $469,900, this home is listed about 14% above the Land O Lakes median of $413,946. The market section on this page shows how the area is trending.

Which schools are assigned to 20121 AZUL MARBLE LOOP?+

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

Four things that matter here

01Positioned at the premium end

$469,900 runs 29% above the LAND O LAKES 34638 median.

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

107 days on market against a Land O Lakes median of 32 — 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.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Susan Najar. MLS #TB8492775.

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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