19265 UMBERLAND PLACE, LAND O LAKES, FL, 34638
Active55 days on marketListed Jun 15, 2026MLS #TB8518019
About this home
19265 UMBERLAND PLACE
Experience elevated Florida living in this exceptional 6 bedroom, 4 bathroom estate offering 4,359 square feet of luxurious living space in one of Pasco County’s most sought-after communities. Situated in a non-flood zone, this impressive residence seamlessly blends elegance, comfort, and modern functionality. Designed for both everyday living and grand entertaining, the expansive floor plan features luxury vinyl flooring, a private den/home office, formal and casual living spaces, and a stunning gourmet kitchen at the heart of the home. The chef-inspired kitchen boasts a massive center island, abundant cabinetry, premium finishes, and effortless flow into the main gathering areas. Retreat to the lavish primary suite, a true sanctuary featuring oversized walk-in closets, a spa-like ensuite bath, and private balcony access overlooking the resort-style backyard. Generously sized secondary bedrooms and four full bathrooms provide exceptional comfort and flexibility for family and guests alike. Step outside to your private outdoor oasis, complete with a sparkling screened-in pool, expansive patio, and beautifully maintained backyard designed for year-round entertaining and relaxation. A spacious three-car garage offers ample room for vehicles, storage, and recreational equipment.Ideally located just north of Tampa with convenient access to the Suncoast Parkway, I-75, and US-41, residents enjoy a lifestyle of convenience and luxury. Community amenities include a beautifully appointed clubhouse, fitness center, resort-style pool, tennis courts, basketball courts, playground, and more. Nearby you'll find premier shopping, dining, entertainment, Tampa International Airport, and top-rated schools. A rare opportunity to own a residence that perfectly combines luxury, space, and location. Schedule your private tour today.
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
4,259
Sqft
0.25 ac
Lot size
3
Garage
2015
Year built
Two
Levels
$205
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.
$6,079 /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
$6,079/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
−17.9%
$/sqft vs Land O Lakes actives
$205 vs $204
Days on market
55 vs 42 typical
Where $205/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)
205 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 137% 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 19265 UMBERLAND PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,030,000
3800 IVYDALE COURT
6 bd · 4 ba · 4,277 sqft · $241/sqft · 75 DOM
Sold · Jun ’26$928,000
3811 IVYDALE COURT
6 bd · 4 ba · 4,300 sqft · $216/sqft · 161 DOM
Sold · Nov ’25$965,000
3646 MARBURY COURT
6 bd · 5 ba · 4,336 sqft · $223/sqft · 44 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 19265 UMBERLAND PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19265 UMBERLAND PLACE — 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
19265 UMBERLAND PLACE FAQs
What would the monthly payment be for 19265 UMBERLAND PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,079/mo — principal and interest, the actual property-tax bill, the $16/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 19265 UMBERLAND PLACE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19265 UMBERLAND PLACE?+
The most recent tax bill on record (2025) was $10,237. 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 19265 UMBERLAND PLACE?+
The listing reports pets: Breed Restrictions. 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 $875,000, this home is listed about 108% 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 19265 UMBERLAND PLACE?+
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
$875,000 runs 137% above the LAND O LAKES 34638 median — but at 4,259 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 $935,000, now $875,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME PRIME REALTY LLC · JENNIFER GUTIERREZ. MLS #TB8518019.
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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