David Ramirez
Short-Term Rental Eligible
$1,399,000$1,500,0006 bd5 ba4,410 sqft$317 /sqft$9,486 /mo all-in ↓

20915 LAKE VIENNA DRIVE, LAND O LAKES, FL, 34638

Active105 days on marketListed May 1, 2026MLS #TB8502586

Reduced $101KWaterfrontPrivate poolSingle Family ResidencePASCO SUNSET LAKES

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Joy 813-367-7706 Gated Pasco Sunset Lakes Waterfront Community! Home Located On Big Lake Vienna with Dock! Rare Opportunity!

About this home

20915 LAKE VIENNA DRIVE

An extraordinary lakefront estate on the shores of Big Lake Vienna, where timeless elegance meets resort-style living in the exclusive gated community of Pasco Sunset Lakes. From the moment you arrive, you’ll be captivated by the artistry of the decorative paver driveway, expansive parking pad, and side-entry 3-car garage, framed by swaying palm trees that guide you to a grand portico entrance adorned with stately columns. Perfectly positioned on a sprawling .388-acre homesite, the property features a private pier, sparkling pool and spillover spa—a true backyard retreat. Step through the impressive 8-foot leaded glass double doors, crowned by an arched transom window, into a soaring tiled foyer highlighted by a hand-painted ceiling medallion and elegant crown molding. Inside, 4,410 sq ft of thoughtfully designed living space showcases soaring ceilings, large-format ceramic tile floors, faux-painted finishes, art niches, rounded corners, and graceful archways—an unmistakable display of architectural craftsmanship. Originally built as a Hannah-Bartoletta model home 2004, lovingly maintained by its original owners, the residence reflects exceptional quality, design, and pride of ownership. The formal living room, anchored by a wood-burning fireplace, captures breathtaking views of the lanai and lake beyond. A refined dining room with an art niche and buffet server sets the stage for memorable gatherings. At the center of the home, the chef’s kitchen is thoughtfully designed for everyday living and effortless entertaining, featuring a suite of stainless KitchenAid appliances—a 5-burner gas cooktop, built-in oven and microwave, and dishwasher. Rich wood cabinetry with crown molding is complemented by a diagonally tiled backsplash, decorative accents, granite counters, spacious center island, breakfast bar, and walk-in pantry. A sunlit “morning room” with bay windows overlooks the serene backyard; the adjacent family room opens seamlessly to the lanai through triple sliding glass doors—creating an indoor-outdoor living experience. Designed with a desirable three-way split floor plan, this home offers privacy and flexibility. The luxurious primary suite is a private sanctuary, complete with a double-door entrance where a decorative art niche and two walk-in closets that opens to the bedroom with a tray ceiling and crown molding, a sitting area with bay windows, and direct lanai access. The spa-like ensuite bath features a double vanity with dedicated make-up space, a jetted garden tub, doorless walk-in shower, and private water closet. With 6 bedrooms, 5 baths, a dedicated office, and an upstairs bonus loft with its own bedroom and ensuite bath, there is space for multigenerational living or guests—enhanced by abundant, thoughtfully designed storage throughout, including 5 walk-in closets, 8 additional closets, and 2 dedicated storage closets. Outdoors, your private oasis awaits. The screened lanai features a resort-style pool with spillover spa, along with an outdoor kitchen complete with built-in grill, sink, and counter space—perfect for entertaining. Beyond, a lush expansive lawn leads to your private pier extending onto the stunning waters of Big Lake Vienna. Residents enjoy a golf cart–friendly lifestyle with exclusive access to Sunset Lakes Beach Club, featuring pavilions, grills, beach volleyball, playground, pier, and private boat ramp to Big Lake Vienna. Experience elegant, private waterfront living—schedule your showing today.

Facts & features

The home at a glance

6

Bedrooms

5

Bathrooms

4,410

Sqft

0.39 ac

Lot size

3

Garage

2004

Year built

Two

Levels

$317

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Chair Rail · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Natural Gas
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationSlab
ViewWater
FacesSoutheast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized · Parking Pad
ExteriorFrench Doors · Lighting · Outdoor Grill · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$108/mo
Taxes (2025)$13,737/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Water Access · Deed Restrictions · Gated Community - No Guard · Golf Carts OK · Park · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Public · Sprinkler Meter · Street Lights · Water 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.

$9,486 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,549
PMI (est., until 20% equity)$525
Property tax — 2025 actual bill$1,145
HOA fee — from the listing$108
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $139,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $139,900
Interest rate6.00%
Loan term

Estimated payment

$9,486/mo

Principal & interest$7,549
PMI (est., until 20% equity)$525
Property taxes (actual bill)$1,145
HOA / condo fee$108
Est. insurance$160

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 Land O Lakes actives

$317 vs $204

Days on market

105 vs 44 typical

Where $317/sqft sits among the 400 Land O Lakes actives

103
132
73
46
17
29 · this home
$149–181$181–212$212–243$243–275$275–306$306+

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.

The investor lens

Two ways this home pays

This home sits inside Sunset Lakes, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunitySunset Lakes
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,398/mo median

MarketLand O Lakes
Annual gross at median$28,770
Gross yield on this price2.1%
Homes for rent right now108

Live Land O Lakes rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Sunset Lakes

Map of 20915 LAKE VIENNA DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa28 min
Tampa Int’l Airport (TPA)33 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Sunset Lakes is a short-term-rental community. See the full 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 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)

234 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 290% above the LAND O LAKES 34638 median. See the full Land O Lakes market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,399,000 $101K
May 1, 2026Listed at $1,500,000 · 105 days on market since
2004Built · PASCO SUNSET LAKES

Reality check

What actually sold near 20915 LAKE VIENNA DRIVE

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

21001 LAKE VIENNA DRIVESold · Apr ’26

$1,300,000

21001 LAKE VIENNA DRIVE · same community

5 bd · 4.5 ba · 4,203 sqft · $309/sqft · 39 DOM

21327 LAKE VIENNA DRIVESold · Dec ’25

$885,000

21327 LAKE VIENNA DRIVE · same community

4 bd · 3.5 ba · 3,609 sqft · $245/sqft · 62 DOM

20627 BROADWATER DRIVESold · May ’26

$1,175,000

20627 BROADWATER DRIVE · same community

4 bd · 3 ba · 3,523 sqft · $334/sqft · 6 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 20915 LAKE VIENNA 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 20915 LAKE VIENNA 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.

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Goes straight to David’s phone and CRM.

Straight answers

20915 LAKE VIENNA DRIVE FAQs

What would the monthly payment be for 20915 LAKE VIENNA DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,486/mo — principal and interest, the actual property-tax bill, the $108/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 20915 LAKE VIENNA DRIVE?+

The association fee works out to $108 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 20915 LAKE VIENNA DRIVE?+

The most recent tax bill on record (2025) was $13,737. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 20915 LAKE VIENNA DRIVE be rented short-term?+

Yes — this home sits inside Sunset Lakes, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 20915 LAKE VIENNA 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 $1,399,000, this home is listed about 234% above the Land O Lakes median of $419,450. The market section on this page shows how the area is trending.

Which schools are assigned to 20915 LAKE VIENNA DRIVE?+

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

Five things that matter here

01Positioned at the premium end

$1,399,000 runs 290% above the LAND O LAKES 34638 median — but at 4,410 sqft it's also nearly twice the size of the typical Land O Lakes listing.

02Zoned for nightly rentals

Sunset Lakes is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

04Time on market is leverage

105 days on market against a Land O Lakes median of 44 — sellers in this position are usually ready to negotiate.

05Strong 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 MIHARA & ASSOCIATES INC. · Raymond Mihara. MLS #TB8502586.

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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