4535 WINDING RIVER WAY, LAND O LAKES, FL, 34639
Active57 days on marketListed Jun 8, 2026MLS #TB8516969
About this home
4535 WINDING RIVER WAY
One or more photo(s) has been virtually staged. IMMACULATE~CLEAN~MOVE IN READY~EASY SHOW~NEW MODERN RE-DESIGNED KITCHEN & NEW CABINETS. LOW maintenance townhome in Land O Lakes, Lutz & Wesley Chapel areas. Extra Buyer INCENTIVES offered! NEW Stainless Steel Appliances. Enjoy backyard CONSERVATION and POND views. COMMUNITY POOL. Two-story, 1,600sf, 3-LARGE bedrooms, 2.5-bath, 1-car attached garage townhouse located in the Edgewater community (close to shopping/highways and minutes from Tampa). NO CDD fees and very LOW HOA. FULL OF UPGRADES. SEE VIDEO. MODERN UPGRADES throughout with a RE-DESIGNED KITCHEN. CLEAN. NEW PAINT. NEW SS APPLIANCES. NEW LAYOUT. COMMUNITY POOL. SELLER MOTIVATED! Fresh NEW PAINT and remodeled finishes that reflect true pride of ownership. OPEN-CONCEPT first floor with a spacious living and dining area with serene CONSERVATION and WATER VIEWS visible through sliding glass doors. The fully RE-DESIGNED & UPGRADED KITCHEN features brand-new appliances, sleek NEW countertops, modern NEW shaker-style cabinetry, under-cabinet lighting, and stylish tile flooring. Energy-efficient LED lighting is installed throughout, and the home features NO CARPET—just easy-to-maintain tile and laminate flooring. Upstairs, you’ll find three generously sized bedrooms and two full bathrooms. The primary suite includes a large walk-in closet and a private en suite bath with dual vanities. A hallway laundry closet adds extra convenience. The secondary bedrooms provide ample closet space—perfect for families or those needing extra room for guests or a home office. The community features a pristine pool, walking paths, and well-maintained common areas. Guest parking is available. PRIME LOCATION! Close to the Tampa Premium Outlets, Wiregrass Mall, dining, schools, and medical facilities—with easy access to I-75—this home is perfect for those who value comfort, convenience, and community. Don't miss this chance to own this UPDATED townhome with NO CDD fees and very LOW HOA. MOVE-IN READY! JUST BRING YOUR BAGS.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,536
Sqft
0.03 ac
Lot size
1
Garage
2005
Year built
Two
Levels
$165
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.
$2,325 /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
$2,325/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
−2.4%
$/sqft vs Land O Lakes actives
$165 vs $205
Days on market
57 vs 41 typical
Where $165/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 34639 — neighborhood snapshot
Population
31,118
Median age
40.8
Median income
$99,959
Median home value
$361,100
Avg household
2.92
Households w/ children
3,955
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 → $422K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
225 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 33% below the LAND O LAKES 34639 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 4535 WINDING RIVER WAY
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$265,000
4602 WINDING RIVER WAY · same community
3 bd · 2.5 ba · 1,880 sqft · $141/sqft · 68 DOM
Sold · Nov ’25$388,000
25352 SEVEN RIVERS CIRCLE
3 bd · 2 ba · 1,578 sqft · $246/sqft · 33 DOM
Sold · Aug ’25$418,750
24811 GUN SMOKE DRIVE
3 bd · 2 ba · 1,620 sqft · $258/sqft · 13 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 4535 WINDING RIVER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4535 WINDING RIVER WAY — 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
4535 WINDING RIVER WAY FAQs
What would the monthly payment be for 4535 WINDING RIVER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,325/mo — principal and interest, the actual property-tax bill, the $240/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 4535 WINDING RIVER WAY?+
The association fee works out to $240 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4535 WINDING RIVER WAY?+
The most recent tax bill on record (2025) was $3,804. 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 4535 WINDING RIVER WAY?+
The listing reports pets: Yes. 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 $254,000, this home is listed about 40% below 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 4535 WINDING RIVER WAY?+
Denham Oaks Elementary School (elementary), Wiregrass Ranch High School (high), Dr. John Long Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAND O LAKES 34639 market on paper
$254,000 is 33% below the LAND O LAKES 34639 median of $376,489, and at $165/sqft it sits under the Land O Lakes average of $219.
02Strong assigned schools
Denham Oaks Elementary School, Wiregrass Ranch High School, Dr. John Long Middle School — Wiregrass Ranch High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $265,000, now $254,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MINT REALTY GROUP LLC · Manish Ajvalia. MLS #TB8516969.
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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