3654 BALLASTONE DRIVE, LAND O LAKES, FL, 34638
Active80 days on marketListed May 20, 2026MLS #TB8510166
About this home
3654 BALLASTONE DRIVE
Located in the highly desirable village of Ballastone, this impressive 6-bedroom, 4-bathroom Mediterranean-style pool home with a 3-car side entry garage is ready for its next owner. Built by Mercedes Homes, the San Remo model is the largest floor plan within this exclusive enclave of just 44 homes, all situated on oversized homesites. The primary suite, overlooking lush conservation views, and a secondary bedroom are conveniently located on the first floor. At the heart of the home is the expansive family room, featuring breathtaking views of the conservation area, pool, and spa. The spacious kitchen is designed for both function and entertaining, featuring an 8-foot prep island, 42-inch solid wood cabinetry, under-cabinet lighting, a pot filler, and a breakfast bar. The dinette area adjacent to the kitchen is nearly the size of the formal living room, providing abundant seating for gatherings and entertaining. The formal living room overlooks the beautifully paved courtyard, creating an inviting space for relaxation and conversation. Upstairs, you'll find four additional bedrooms, two full bathrooms, a loft, and a dedicated media room, offering plenty of space for family and guests. Owner upgrades and custom touches throughout the home include crown molding, chair rail molding, wood blinds, oversized window treatments, custom paint selections, and upgraded light fixtures. An A-rated elementary school is a short distance outside the neighborhood gate, while the community itself offers miles of scenic sidewalks and lush natural surroundings, conveniently tucked behind neighborhood shopping along SR 54. Residents enjoy easy access to abundant shopping and dining options, with Tampa International Airport just 30–40 minutes away and quick access to I-75, I-275, and the Suncoast Parkway. Accessibility feature: wheelchair lift installed for second-floor access and the pool includes accessibility enhancements - handrails and mobility-friendly entry. Convenience feature: whole home Generac generator. This home offers the perfect blend of space, elegance, and convenience in one of the area's most sought-after communities.
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
4,300
Sqft
0.47 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$244
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.
$7,553 /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
$7,553/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
+6.4%
$/sqft vs Land O Lakes actives
$244 vs $205
Days on market
80 vs 42 typical
Where $244/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 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)
212 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 184% 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 3654 BALLASTONE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$928,000
3811 IVYDALE COURT · same community
6 bd · 4 ba · 4,300 sqft · $216/sqft · 161 DOM
Sold · Aug ’25$1,190,000
3500 BALLASTONE DRIVE · same community
6 bd · 4 ba · 4,300 sqft · $277/sqft · 4 DOM
Sold · Feb ’26$1,030,000
3800 IVYDALE COURT · same community
6 bd · 4 ba · 4,277 sqft · $241/sqft · 75 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 3654 BALLASTONE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3654 BALLASTONE 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
3654 BALLASTONE DRIVE FAQs
What would the monthly payment be for 3654 BALLASTONE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,553/mo — principal and interest, the actual property-tax bill, the $6/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 3654 BALLASTONE DRIVE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3654 BALLASTONE DRIVE?+
The most recent tax bill on record (2025) was $15,932. 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 3654 BALLASTONE 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 $1,050,000, this home is listed about 150% above the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3654 BALLASTONE 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
01Positioned at the premium end
$1,050,000 runs 184% above the LAND O LAKES 34638 median — but at 4,300 sqft it's also nearly twice the size of the typical Land O Lakes listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $1,100,000, now $1,050,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Sheila Sorensen. MLS #TB8510166.
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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