David Ramirez
$469,900$479,9003 bd2 ba2,005 sqft$234 /sqft$3,536 /mo all-in ↓

21865 OCEAN PINES DRIVE, LAND O LAKES, FL, 34639

Active120 days on marketListed Apr 10, 2026MLS #TB8496176

Reduced $10KSingle Family ResidenceLAKE PADGETT ESTATES

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

Pets allowed

Inside

FlooringCarpet · Luxury Vinyl · Porcelain Tile
AppliancesDishwasher · Microwave · Range · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Wall Units / Window Unit

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingDriveway
ExteriorFrench Doors · Rain Gutters

Community & fees

HOA fee$8/mo
Taxes (2025)$4,731/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Lake · Water Access · Stable(s) · Park · Playground

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterWell

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%

Principal & interest$2,766
FHA mortgage insurance (est.)$208
Property tax — 2025 actual bill$394
HOA fee — from the listing$8
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

$3,536/mo

Principal & interest$2,766
FHA mortgage insurance (est.)$208
Property taxes (actual bill)$394
HOA / condo fee$8
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
$391KedgeAI estimate $433,569 · range $407K$523K$544K

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

1 · this home
3
2
0
0
2
$222–249$249–277$277–304$304–332$332–359$359+

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

Map of 21865 OCEAN PINES DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa32 min
Tampa Int’l Airport (TPA)36 min

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

ElementaryLake Myrtle Elementary School★★★★★
MiddleCharles S. Rushe Middle School★★★★
HighSunlake High School★★★★

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

The numbers that matter

The Land O Lakes market

Seller’s marketSeller’s market2.8 months of inventoryBuyer’s 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

CurrentPrice reduced to $469,900 $10K
Apr 10, 2026Listed at $479,900 · 120 days on market since
1998Built · LAKE PADGETT ESTATES

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.

23211 LUCERNE PLACESold · Nov ’25

$439,000

23211 LUCERNE PLACE · same community

3 bd · 2 ba · 2,029 sqft · $216/sqft · 193 DOM

23067 BRIGHTON PLACESold · Aug ’25

$360,000

23067 BRIGHTON PLACE · same community

4 bd · 2 ba · 1,938 sqft · $186/sqft · 30 DOM

23209 BLUE RIDGE PLACESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 21865 OCEAN PINES DRIVE — start here.

Andrew Acosta

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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

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.

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.

Never miss a listing

New Land O Lakes homes, in your inbox

Like 21865 OCEAN PINES DRIVE but not quite? A daily digest of every new listing in Land O Lakes — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 8, 2026 at 12:48 PM UTC. The listing information on this page last changed on August 8, 2026 at 12:48 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 8, 2026 at 12:48 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 8, 2026 at 12:48 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.