9643 ASBEL ESTATES STREET, LAND O LAKES, FL, 34638
Active96 days on marketListed May 8, 2026MLS #TB8505770
About this home
9643 ASBEL ESTATES STREET
Welcome to this spacious designed 5-bedroom, 3-bathroom, two-story home with 3,390 square feet of heated living space in the desirable HOA community of Asbel Estates. Step inside to find a versatile layout featuring a large main living area, along with a formal living and dining room combination which makes it perfect for entertaining or flexible use as a home office or sitting area. The thoughtfully designed floor plan includes a private downstairs bedroom with a full bath just outside the room, ideal for guests, or a quiet workspace. You’ll also appreciate the convenience of an inside laundry room. Upstairs features a generously sized primary suite designed for comfort and privacy, along with additional spacious bedrooms to accommodate family and guests. Enjoy Florida living at its best from the covered back lanai, where you’ll take in the peaceful pond and conservation view where you can sit and enjoy your morning coffee or evening drink. Additional highlights include a 3-car attached garage with ample space for vehicles and storage. Located in Land O’ Lakes, this home combines space, functionality, scenic views, and community living—making it a standout opportunity in today’s market.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,390
Sqft
0.16 ac
Lot size
3
Garage
2008
Year built
Two
Levels
$153
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.
$3,792 /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
$3,792/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
−5.9%
$/sqft vs ASBEL ESTATES
$153 vs $172
Days on market
96 vs 44 typical
Where $153/sqft sits among the 6 homes for sale in ASBEL 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 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 → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
5 of 6
ASBEL ESTATES have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above 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 9643 ASBEL ESTATES STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$587,500
18441 NEW LONDON AVENUE · same community
5 bd · 3 ba · 3,406 sqft · $172/sqft · 54 DOM
Sold · Sep ’25$318,500
9759 SIMEON DRIVE · same community
5 bd · 3 ba · 2,250 sqft · $142/sqft · 9 DOM
Sold · Jun ’26$365,000
9645 JAYBIRD LANE · same community
3 bd · 2 ba · 2,217 sqft · $165/sqft · 3 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 9643 ASBEL ESTATES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9643 ASBEL ESTATES STREET — 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
9643 ASBEL ESTATES STREET FAQs
What would the monthly payment be for 9643 ASBEL ESTATES STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,792/mo — principal and interest, the actual property-tax bill, the $73/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 9643 ASBEL ESTATES STREET?+
The association fee works out to $73 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9643 ASBEL ESTATES STREET?+
The most recent tax bill on record (2025) was $3,211. 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 9643 ASBEL ESTATES STREET?+
The listing reports pets: Dogs OK. 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 $520,000, this home is listed about 23% above the Land O Lakes median of $423,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9643 ASBEL ESTATES STREET?+
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
$520,000 runs 43% above the LAND O LAKES 34638 median — but at 3,390 sqft it's also 66% 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
96 days on market against a Land O Lakes median of 44 — 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 $525,000, now $520,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER GROUP · Tina Garrison. MLS #TB8505770.
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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