18420 HANCOCK BLUFF ROAD, DADE CITY, FL, 33523
Active120 days on marketListed Apr 4, 2026MLS #TB8493321
About this home
18420 HANCOCK BLUFF ROAD
Experience the perfect blend of modern comfort and peaceful country living in this stunning farmhouse estate located on nearly 4 acres in the highly desirable Bayhead Landing Estate Homes community. Surrounded by beautiful mature oak trees, this property offers privacy, charm, and a true Florida lifestyle. This spacious 4-bedroom, 4.5-bath. Home features a thoughtfully designed layout with high ceilings, hardwood floors, and abundant natural light throughout. The open-concept, newly updated kitchen showcases wood cabinetry, a stylish brick backsplash, and a premium ZLINE gas 7-burner stove—perfect for the home chef. The kitchen flows seamlessly into the main living area, highlighted by a cozy wood-burning fireplace and French doors leading to the outdoor living spaces. Designed for flexibility and comfort, the home includes a private mother-in-law suite with private full bath, above the detached garage. a separate entrance from the home. A dedicated office, formal dining room, large laundry room, and a versatile loft area. Plantation shutters add timeless elegance, while French doors from both the living room and primary suite enhance indoor-outdoor living. Step outside to your private retreat featuring a spacious back porch, designated BBQ area, and a resort-style pool with hot tub—perfect for entertaining. Enjoy serene lake views from your private dock or relax on the second-story back porch overlooking the pool. A large front porch adds even more charm and space to unwind. Recent updates include newer exterior paint, a new roof, and an A/C system approximately 6 years old, offering peace of mind for years to come. Additional highlights include a huge detached garage with plenty of room for vehicles, storage, or a workshop, along with ample space for all your toys, animals, or future additions. This one-of-a-kind property delivers the charm of farmhouse living with the modern upgrades today’s buyers are looking for. Bayhead Landings features a private, gated 5-acre green space ideal for launching your boat or enjoying a peaceful afternoon picnic. Located within Bayhead Landings residents enjoy exclusive access to a private community boat ramp, low HOA, and convenient access to I-75—providing the perfect balance of seclusion and accessibility.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,139
Sqft
3.94 ac
Lot size
2
Garage
2000
Year built
Two
Levels
$248
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.
$6,568 /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
$6,568/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.
$/sqft vs Dade City actives
$248 vs $193
Days on market
120 vs 28 typical
Where $248/sqft sits among the 330 Dade City 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 Dade City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
DADE CITY 33523 — neighborhood snapshot
Population
19,296
Median age
40.6
Median income
$60,897
Median home value
$231,700
Avg household
2.79
Households w/ children
2,208
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$343K → $335K
Dade City median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
175 of 330
Dade City actives have cut their price
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 296% above the DADE CITY 33523 median. See the full Dade City market guide →
Paper trail
This home's history
Reality check
What actually sold near 18420 HANCOCK BLUFF ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,300,000
25487 DAN BROWN HILL ROAD
5 bd · 6.5 ba · 5,658 sqft · $230/sqft · 31 DOM
Sold · Jun ’26$640,000
23305 JUNE BUG TRAIL
4 bd · 2.5 ba · 2,534 sqft · $253/sqft · 11 DOM
Sold · Mar ’26$370,000
29235 BAYHEAD RD
3 bd · 2 ba · 2,047 sqft · $181/sqft · 114 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 18420 HANCOCK BLUFF ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18420 HANCOCK BLUFF 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
18420 HANCOCK BLUFF ROAD FAQs
What would the monthly payment be for 18420 HANCOCK BLUFF ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,568/mo — principal and interest, the actual property-tax bill, the $29/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 18420 HANCOCK BLUFF ROAD?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18420 HANCOCK BLUFF ROAD?+
The most recent tax bill on record (2025) was $5,563. 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 18420 HANCOCK BLUFF ROAD?+
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 Dade City?+
At $1,025,000, this home is listed about 163% above the Dade City median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 18420 HANCOCK BLUFF ROAD?+
Rodney B. Cox Elementary School (elementary), Pasco Middle School (middle), Pasco High School (high) — 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
$1,025,000 runs 296% above the DADE CITY 33523 median — but at 4,139 sqft it's also nearly twice the size of the typical Dade City listing.
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
120 days on market against a Dade City median of 28 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,100,000, now $1,025,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Jennifer Boyette. MLS #TB8493321.
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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