3678 E LAKE DRIVE, LAND O LAKES, FL, 34639
Active94 days on marketListed Apr 30, 2026MLS #TB8502809
About this home
3678 E LAKE DRIVE
Virtually Staged. Welcome to your private waterfront oasis—an exceptional home where modern updates meet serene lakefront living. A welcoming foyer entrance sets the tone upon arrival, offering a warm introduction to the home’s inviting layout. Freshly painted with brand-new carpeting this beautifully maintained property is move-in ready and designed for both comfort and style. The recently remodeled kitchen is a standout feature, showcasing GE Café series appliances, generous counter space, abundant cabinetry, a convenient pantry, and a stylish dry bar—perfect for everyday living or entertaining guests. The adjacent living room offers a warm and inviting atmosphere, highlighted by a cozy fireplace that serves as a beautiful focal point for gatherings and relaxation. A dedicated laundry room adds convenience, while the two-car garage and dual driveways provide ample parking and storage. The thoughtfully designed split-bedroom floor plan ensures privacy, with a spacious primary suite featuring a large walk-in closet and a fully renovated bathroom complete with a dual-sink vanity and a sleek glass-enclosed shower. Secondary bedrooms are well-sized, ideal for family, guests, or a home office. Enjoy seamless indoor-outdoor living with a bright enclosed Florida room filled with natural light, opening to a screened patio with vaulted ceilings and tranquil water views. A bonus rear room with a pool table offers additional space for recreation, while a detached, finished shed with electric (formerly used as a hair studio) provides endless possibilities for a workshop, studio, or private office. Step outside to your beautifully landscaped backyard and take in the peaceful lake setting. With direct water access, your private dock and boat lift make it easy to enjoy boating, fishing, or simply relaxing by the water. Residents also enjoy access to a variety of community amenities, including private parks, boat ramps, picnic areas, playgrounds, fishing docks, and courts for tennis and pickleball. A nearby recreation center offers even more opportunities for outdoor activity. Located in a highly sought-after school zone, this home delivers the perfect blend of comfort, convenience, and waterfront lifestyle. Don’t miss this rare opportunity to own a slice of lakefront paradise.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,680
Sqft
0.89 ac
Lot size
2
Garage
1973
Year built
One
Levels
$317
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 — not generic estimates.
$5,981 /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
$5,981/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.
vs edgeAI estimate
+56.5%
$/sqft vs Land O Lakes actives
$317 vs $205
Days on market
94 vs 32 typical
Where $317/sqft sits among the 400 Land O Lakes 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 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 → $428K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
218 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 121% 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 3678 E LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$585,000
3744 E LAKE DRIVE · same community
4 bd · 3 ba · 2,736 sqft · $214/sqft · 449 DOM
Sold · Nov ’25$810,000
3430 E LAKE DRIVE · same community
4 bd · 3 ba · 2,422 sqft · $334/sqft · 21 DOM
Sold · Jan ’26$418,000
22946 BROWNWOOD COURT · same community
3 bd · 2 ba · 2,197 sqft · $190/sqft · 91 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 3678 E LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3678 E LAKE 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
3678 E LAKE DRIVE FAQs
What would the monthly payment be for 3678 E LAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,981/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3678 E LAKE DRIVE?+
The most recent tax bill on record (2025) was $11,001. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Land O Lakes?+
At $849,900, this home is listed about 105% 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 3678 E LAKE 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
Five things that matter here
01Positioned at the premium end
$849,900 runs 121% above the LAND O LAKES 34639 median — but at 2,680 sqft it's also 33% larger than the typical Land O Lakes 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
94 days on market against a Land O Lakes median of 32 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $899,900, now $849,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Jeffrey Borham, PA. MLS #TB8502809.
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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