3103 ASHMONTE DRIVE, LAND O LAKES, FL, 34638
Active68 days on marketListed May 27, 2026MLS #TB8512512
About this home
3103 ASHMONTE DRIVE
Welcome to this exceptional five-bedroom, three-bathroom home located in a desirable gated community on a quiet cul-de-sac at 3103 Ashmonte Drive in Land o lake. Backing to peaceful conservation views, this beautifully maintained property offers the perfect blend of privacy, luxury, and functionality. Step inside to discover spacious living areas, including two separate dining areas and an oversized family room featuring elegant French doors that open to the outdoor living space. The chef’s kitchen is equipped with stainless steel appliances, ample cabinetry, and an ideal layout for entertaining. A convenient first-floor guest bedroom and full pool bath provide flexibility for visitors or multigenerational living. The roof was replaced approximately one year ago. Upstairs, you’ll find generously sized bedrooms along with a versatile bonus room perfect for a media room, home office, or playroom. Plantation shutters throughout the front of the home add timeless style and curb appeal. Outside, enjoy Florida living at its finest with a private screened pool and hot tub overlooking serene conservation land. Additional highlights include. solar panels that are financed separately and are not included in the mortgage or purchase price. Buyers may choose to assume the remaining balance and terms of the solar loan, subject to lender approval. If the buyer elects not to assume the solar agreement, the seller will have the solar panels removed from the property prior to closing. Residents of this sought-after community also enjoy access to outstanding amenities including a community pool, fitness center, playground, and more. This home combines comfort, elegance, and resort-style living in one incredible package. The home is being offered furnished. Furnishings are available for purchase separately and are not included in the listing price. Any sale of furniture and personal property shall be negotiated under a separate agreement between buyer and seller.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,750
Sqft
0.3 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$200
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.
$5,427 /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
$5,427/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
+17.8%
$/sqft vs Land O Lakes actives
$200 vs $205
Days on market
68 vs 32 typical
Where $200/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 → $428K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
219 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 107% 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 3103 ASHMONTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$653,275
3243 ASHMONTE DRIVE · same community
5 bd · 3 ba · 3,760 sqft · $174/sqft · 278 DOM
Sold · Jul ’26$815,000
3408 RUSSETT PLACE · same community
5 bd · 3 ba · 3,514 sqft · $232/sqft · 17 DOM
Sold · Nov ’25$582,000
3312 ASHMONTE DRIVE · same community
4 bd · 3 ba · 2,613 sqft · $223/sqft · 9 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 3103 ASHMONTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3103 ASHMONTE 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
3103 ASHMONTE DRIVE FAQs
What would the monthly payment be for 3103 ASHMONTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,427/mo — principal and interest, the actual property-tax bill, the $5/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 3103 ASHMONTE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3103 ASHMONTE DRIVE?+
The most recent tax bill on record (2025) was $11,217. 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 3103 ASHMONTE DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $749,900, this home is listed about 81% 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 3103 ASHMONTE 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
$749,900 runs 107% above the LAND O LAKES 34638 median — but at 3,750 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.
03Time on market is leverage
68 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Nouhad Cheaib. MLS #TB8512512.
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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