
21865 OCEAN PINES DRIVE, LAND O LAKES, FL, 34639
Active120 days on marketListed Apr 10, 2026MLS #TB8496176
About this home
21865 OCEAN PINES DRIVE
Ocean Pines Drive in Lake Padgett Estates is a community where everyday living includes access to lakes, parks, and recreational amenities, including private boat ramps, playgrounds, picnic areas, and horse boarding barns and stables. Set on a nearly quarter-acre lot, this home showcases inviting curb appeal with a manicured lawn, freshly mulched landscaping, decorative columns at the garage, and a welcoming portico entrance accented by a transom window and sidelights. Offering 3 bedrooms, 2 bathrooms, a 2-car garage, and 2,005 square feet of living space, the layout includes a window-enclosed, air-conditioned Florida room for year-round enjoyment. Inside, wide plank porcelain tile floors, high ceilings, recessed lighting, and an open-concept design create a bright and spacious feel. Just off the foyer is a formal dining area, while straight ahead the space flows seamlessly into the family room, highlighted by two sets of French doors opening to the Florida room. The kitchen, beautifully updated in 2023, features staggered wood cabinetry with crown molding, frosted glass door accents, tile backsplash, quartz countertops, a built-in pantry, and a center island with breakfast bar seating and pendant lighting. A sunlit café area with bay windows overlooks the Florida room, adding a warm and inviting space for everyday dining. The primary suite offers luxury wide plank vinyl flooring, a tray ceiling, French doors to the Florida room, and a hallway with two closets, including a walk-in. The ensuite bath showcases a double vanity with undermount sinks, a tiled shower, and a jetted tub that has never been used set under a window. Secondary bedrooms are generously sized with ample closet space and durable luxury vinyl flooring. The second bathroom, updated in 2023, features a quartz countertop, a custom vanity with built-in shelving, and a floor-to-ceiling tiled shower with a seamless glass enclosure and designer contrast detail. The Florida room is a standout feature, offering a bright, versatile space with tiled flooring and its own mini-split system—ideal for relaxing, entertaining, or enjoying year-round indoor-outdoor living in total comfort. Mechanicals and major updates provide peace of mind, including a new roof (2023), A/C system (2023), and mini-split (2023), all recently serviced in 2025. Additional improvements include new windows (2024), doors (2023), flooring (2023), gutters (2023), a fully updated kitchen (2023), and a renovated second bathroom (2023). The water treatment system was installed in 2022, the septic system was pumped in February 2025, and a new water heater was installed in 2025. Located in the highly desirable Lake Padgett Estates, this home includes access to private ski lakes—Lake Padgett, Lake Saxon, and East Lake, and boating/recreational Lake Joyce—all reserved exclusively for residents and their guests. Enjoy boating, water skiing, wakeboarding, jet skiing, and fishing, along with private lakefront parks, boat ramps, and picnic areas throughout the community, all with no HOA or CDD. Don’t miss the opportunity to enjoy space, upgrades, and lake-access living—schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,005
Sqft
0.23 ac
Lot size
2
Garage
1998
Year built
One
Levels
$234
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.
$3,536 /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
$3,536/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
+8.4%
$/sqft vs LAKE PADGETT ESTATES
$234 vs $284
Days on market
120 vs 42 typical
Where $234/sqft sits among the 8 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 8
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 24% 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 21865 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$439,000
23211 LUCERNE PLACE · same community
3 bd · 2 ba · 2,029 sqft · $216/sqft · 193 DOM
Sold · Aug ’25$360,000
23067 BRIGHTON PLACE · same community
4 bd · 2 ba · 1,938 sqft · $186/sqft · 30 DOM
Sold · Feb ’26$425,000
23209 BLUE RIDGE PLACE · same community
4 bd · 2 ba · 1,936 sqft · $220/sqft · 2 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 21865 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 21865 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
21865 OCEAN PINES DRIVE FAQs
What would the monthly payment be for 21865 OCEAN PINES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,536/mo — principal and interest, the actual property-tax bill, the $8/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 21865 OCEAN PINES DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21865 OCEAN PINES DRIVE?+
The most recent tax bill on record (2025) was $4,731. 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 21865 OCEAN PINES 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 $469,900, this home is listed about 12% 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 21865 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
Four things that matter here
01Positioned at the premium end
$469,900 runs 24% above the LAND O LAKES 34639 median.
02Time on market is leverage
120 days on market against a Land O Lakes median of 42 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $479,900, now $469,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Jennifer Dobbs. MLS #TB8496176.
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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