16919 FORGE SURF STREET, LAND O LAKES, FL, 34638
Active59 days on marketListed Jun 8, 2026MLS #TB8514900
About this home
16919 FORGE SURF STREET
Enjoy the ease of Florida living in this charming and beautifully maintained single-story home located in the sought-after Angeline 55+ Community. Thoughtfully designed for both comfort and convenience. This inviting floorplan features 2 bedrooms, including a private owner’s suite complete with an ensuite bath and spacious walk-in closet. From the moment you enter, you’ll appreciate the gorgeous tile flooring that flows throughout the main living areas, adding both elegance and easy maintenance. The heart of the home is the open-concept living space, where the kitchen, dining area, and family room blend seamlessly to create a warm and welcoming atmosphere perfect for everyday living and entertaining alike. Large glass sliders lead to the covered lanai, where you can enjoy your morning coffee or unwind at sunset while taking in the peaceful pond views and tranquil natural surroundings. The serene backyard setting provides the perfect backdrop for relaxing and enjoying Florida’s beautiful weather. Just a 10-minute walk from the community’s resort-style clubhouse and pool, residents enjoy access to exceptional amenities, including billiards, a full-service bar, café, and a vibrant social calendar designed for active living. Conveniently located just minutes from the Veterans Expressway, shopping, dining, healthcare facilities, and the exciting growth throughout the Angeline area, this home offers the perfect blend of charm, comfort, and convenience. Don’t miss your opportunity to enjoy low-maintenance living, outstanding amenities, and picturesque waterfront views in one of the area’s most desirable active adult communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,405
Sqft
0.07 ac
Lot size
1
Garage
2024
Year built
One
Levels
$194
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.
$2,756 /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
$2,756/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
+18.2%
$/sqft vs Land O Lakes actives
$194 vs $206
Days on market
59 vs 44 typical
Where $194/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)
229 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 25% 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 16919 FORGE SURF STREET
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$225,000
16664 SHELL BAY DRIVE · same community
2 bd · 2 ba · 1,405 sqft · $160/sqft · 28 DOM
Sold · Jul ’26$265,000
16964 FORGE SURF STREET · same community
2 bd · 2 ba · 1,405 sqft · $189/sqft · 55 DOM
Sold · Jul ’26$210,000
16663 SHELL BAY DRIVE · same community
2 bd · 2 ba · 1,405 sqft · $149/sqft · 66 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 16919 FORGE SURF STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16919 FORGE SURF 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
16919 FORGE SURF STREET FAQs
What would the monthly payment be for 16919 FORGE SURF STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,756/mo — principal and interest, the actual property-tax bill, the $415/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 16919 FORGE SURF STREET?+
The association fee works out to $415 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16919 FORGE SURF STREET?+
The most recent tax bill on record (2025) was $5,433. 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 16919 FORGE SURF STREET?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size 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 $273,000, this home is listed about 35% below the Land O Lakes median of $419,450. The market section on this page shows how the area is trending.
Which schools are assigned to 16919 FORGE SURF 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
Four things that matter here
01Under the LAND O LAKES 34638 market on paper
$273,000 is 25% below the LAND O LAKES 34638 median of $365,000, and at $194/sqft it sits under the Land O Lakes average of $218.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
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 $275,000, now $273,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENNIS REALTY & INV. CORP. · Harold Devaux. MLS #TB8514900.
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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