David Ramirez
$375,000$410,0002 bd2 ba1,968 sqft$191 /sqft$3,632 /mo all-in ↓

17135 SHELL BAY DRIVE, LAND O LAKES, FL, 34638

Active76 days on marketListed May 19, 2026MLS #TB8509761

Reduced $35KSingle Family ResidenceANGELINE PH 1A 1B 1C & 1D

About this home

17135 SHELL BAY DRIVE

IMAGINE WAKING UP each morning in a vibrant resort-style 55+ community where every day feels like a vacation. Enjoy your coffee on the screened lanai overlooking the peaceful backyard, take a golf cart ride to the spectacular clubhouse, spend the afternoon by the resort-style pool, challenge friends to pickleball, enjoy dinner at the community restaurant, or join one of the many social clubs. This is more than a home—it’s the lifestyle you’ve been waiting for. PERFECTLY POSITIONED on a premium corner lot just moments from the clubhouse, this beautifully upgraded, move-in-ready home combines luxury, comfort, and low-maintenance living. From the elegant glass-insert front door to the thoughtfully designed split-bedroom floor plan, every detail has been carefully selected for both everyday living and entertaining. THE SPACIOUS GUEST bedroom comfortably accommodates a king-size bed with room for additional furniture, while the versatile flex room is ideal as a home office, den, hobby room, library, or even an additional guest space. The conveniently located LAUNDRY ROOM includes the washer and dryer, extra cabinetry for storage, and direct access to the oversized primary suite closet for exceptional convenience. AT THE HEART OF THE HOME, the bright open-concept living area seamlessly connects to the screened lanai through oversized sliding glass doors, creating the perfect indoor-outdoor living experience. The beautifully appointed kitchen features upgraded white cabinetry with crown molding, gleaming quartz countertops, abundant workspace, and a complete appliance package that’s ready for your next gathering. THE SPACIOUS PRIMARY SUITE offers a peaceful retreat filled with natural light and features dual quartz vanities, an oversized glass-enclosed walk-in shower, a private water closet, and a generous walk-in closet that connects directly to the laundry room. STEP OUTSIDE and enjoy one of this home’s most desirable features—a private screened lanai overlooking the beautifully maintained backyard. Whether you’re relaxing with a book, entertaining family and friends, or enjoying Florida’s beautiful weather year-round, this outdoor space offers the perfect setting. ADDITIONAL UPGRADES include luxury finishes throughout, premium flooring, designer lighting, upgraded cabinetry, rain gutters, vinyl fencing, and the peace of mind that comes with a meticulously maintained, move-in-ready home. LIVING IN Medley at Mirada means embracing one of the area’s premier active adult communities. Your monthly HOA provides exceptional value by covering lawn maintenance and giving you access to outstanding amenities, including a resort-style pool, state-of-the-art fitness center, pickleball courts, clubhouse, restaurant, bar, social events, walking trails, and countless activities designed to help you enjoy an active, carefree lifestyle. WHETHER YOUR LOOKING for a full-time residence or a lock-and-leave Florida retreat, this exceptional home offers the perfect combination of luxury, convenience, and resort-style living. Schedule your private showing today and discover why so many are choosing to call Medley at Mirada home.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,968

Sqft

0.28 ac

Lot size

2

Garage

2022

Year built

One

Levels

$191

Per sqft

Trees/Woods view55+ community

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesSouth
ExteriorIrrigation System · Lighting · Private Mailbox · Private Yard · Rain Gutters · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$364/mo
Taxes (2025)$8,818/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Deed Restrictions · Fitness Center · Golf Carts OK · Irrigation-Reclaimed Water · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Phone Available · Public · Sewer Connected · 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.

$3,632 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,208
FHA mortgage insurance (est.)$166
Property tax — 2025 actual bill$735
HOA fee — from the listing$364
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,125Loan30-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% · $13,125
Interest rate6.00%
Loan term

Estimated payment

$3,632/mo

Principal & interest$2,208
FHA mortgage insurance (est.)$166
Property taxes (actual bill)$735
HOA / condo fee$364
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 $375K
$347KedgeAI estimate $365,508 · range $361K$370K$390K

vs edgeAI estimate

+2.6%

$/sqft vs ANGELINE PH 1A 1B 1C & 1D

$191 vs $196

Days on market

76 vs 32 typical

Where $191/sqft sits among the 6 homes for sale in ANGELINE PH 1A 1B 1C & 1D

1
0 · this home
3
1
0
1
$185–189$189–194$194–198$198–202$202–206$206+

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

Map of 17135 SHELL BAY DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)39 min
Downtown Tampa43 min

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

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 marketLeans seller3.5 months of inventoryBuyer’s market

$423K$422K

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 4% above the LAND O LAKES 34638 median. See the full Land O Lakes market guide →

Paper trail

This home's history

CurrentPrice reduced to $375,000 $35K
May 19, 2026Listed at $410,000 · 76 days on market since
2022Built · ANGELINE PH 1A 1B 1C & 1D

Reality check

What actually sold near 17135 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.

10098 BANYAN BREEZE BOULEVARDSold · Nov ’25

$349,900

10098 BANYAN BREEZE BOULEVARD · same community

2 bd · 2 ba · 1,783 sqft · $196/sqft · 152 DOM

17059 SHELL BAY DRIVESold · Oct ’25

$359,900

17059 SHELL BAY DRIVE · same community

2 bd · 2 ba · 1,783 sqft · $202/sqft · 16 DOM

17216 MANGO SHAY COURTSold · Mar ’26

$340,000

17216 MANGO SHAY COURT · same community

2 bd · 2 ba · 1,683 sqft · $202/sqft · 60 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 17135 SHELL BAY 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 17135 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.

Goes straight to David’s phone and CRM.

Straight answers

17135 SHELL BAY DRIVE FAQs

What would the monthly payment be for 17135 SHELL BAY DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,632/mo — principal and interest, the actual property-tax bill, the $364/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 17135 SHELL BAY DRIVE?+

The association fee works out to $364 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 17135 SHELL BAY DRIVE?+

The most recent tax bill on record (2025) was $8,818. 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 17135 SHELL BAY DRIVE?+

The listing reports pets: Cats OK, 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 $375,000, this home is listed about 9% 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 17135 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

Four things that matter here

01Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

02Time on market is leverage

76 days on market against a Land O Lakes median of 32 — sellers in this position are usually ready to negotiate.

03Strong 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.

04The price has already moved

Listed at $410,000, now $375,000 — a $35K cut. The full history is in the market section below.

Listing courtesy of RE/MAX MARKETING SPECIALISTS · Lori West. MLS #TB8509761.

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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