16595 SHELL BAY DRIVE, LAND O LAKES, FL, 34638
Active94 days on marketListed Apr 30, 2026MLS #TB8503488
About this home
16595 SHELL BAY DRIVE
Exquisite conservation views from your screened lanai in this end unit villa located in the Angeline 55+ community. Seller says you can hear the breeze blowing through the trees making for a tranquil environment to enjoy your morning coffee or a cold beverage in the evening. Built in 2023 this open concept villa features 2 bedrooms, 2 baths and a flex space. There is plenty of storage as the seller added shelving to the pantry, primary walk-in closet and garage. Additional storage cabinet in the laundry can stay. There is crown molding in the main living areas and primary bedroom along with upgraded lighting with dimmer switches and ceiling fans throughout including a fan on the screened lanai. Kitchen and baths have Quartz counters, step-in showers and tile flooring throughout the living spaces with carpet in the bedrooms. The villa is in the active adult area of Angeline and residents here enjoy exclusive access to a resort style pool, lap pool, pickleball courts, bocce, shuffleboard, and a state-of-the-art clubhouse with a fitness center, café, yoga studio and more. There is an extensive network of walking trails and a full calendar of activities promoting an active lifestyle for all. Angeline Farm is part of the community and is a 6-acre working farm offering fresh, local produce for purchase, family friendly events and nutrition classes. The Wild Thyme Café features ingredients sourced directly from Angeline Farm. The menu includes handcrafted coffee, breakfast favorites, quick lunches, or shareable plates to enjoy with a glass of wine. Angeline is a 6,200-acre master planned community located close to the Suncoast Parkway with easy access to Tampa and the surrounding area. Come see this lovely home and make it yours today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,615
Sqft
0.15 ac
Lot size
1
Garage
2023
Year built
One
Levels
$196
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.
$2,738 /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
$2,738/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
+15.1%
$/sqft vs ANGELINE PH 1A 1B 1C & 1D
$196 vs $194
Days on market
94 vs 32 typical
Where $196/sqft sits among the 6 homes for sale in ANGELINE PH 1A 1B 1C & 1D
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 Land O Lakes
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 →
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
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)
4 of 6
ANGELINE PH 1A 1B 1C & 1D have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the LAND O LAKES 34638 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 16595 SHELL BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$270,000
16793 FORGE SURF STREET · same community
2 bd · 2 ba · 1,615 sqft · $167/sqft · 45 DOM
Sold · Mar ’26$340,000
17216 MANGO SHAY COURT · same community
2 bd · 2 ba · 1,683 sqft · $202/sqft · 60 DOM
Sold · Nov ’25$349,900
10098 BANYAN BREEZE BOULEVARD · same community
2 bd · 2 ba · 1,783 sqft · $196/sqft · 152 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 16595 SHELL BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16595 SHELL BAY 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
16595 SHELL BAY DRIVE FAQs
What would the monthly payment be for 16595 SHELL BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,738/mo — principal and interest, the actual property-tax bill, the $268/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 16595 SHELL BAY DRIVE?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16595 SHELL BAY DRIVE?+
The most recent tax bill on record (2025) was $3,679. 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 16595 SHELL BAY 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 $316,500, this home is listed about 24% below 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 16595 SHELL BAY 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
01Under the LAND O LAKES 34638 market on paper
$316,500 is 12% below the LAND O LAKES 34638 median of $360,500, and at $196/sqft it sits under the Land O Lakes average of $216.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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
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.
05The price has already moved
Listed at $319,000, now $316,500 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Marybeth Storts. MLS #TB8503488.
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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