21851 LYONIA LANE, LAND O LAKES, FL, 34637
Active36 days on marketListed Jul 7, 2026MLS #TB8521989
About this home
21851 LYONIA LANE
What the new builds simply don't include, this home has it all! Fully screened in patio. Crown moulding throughout. A stunning custom kitchen backsplash. HOA that includes water. A sealed paver driveway. These are details that elevate everyday living, and they come standard here. Perfectly positioned within the community, just a short walk to the elementary school and sitting between two amenity centers, including the brand new Conner House, this beautifully maintained 3 bedroom, 2.5 bathroom townhome offers move in ready living in one of the most desirable locations the neighborhood has to offer. Step inside to find fresh interior paint, upgraded appliances, and a home that has been cared for with genuine pride. Every detail has been considered, and it shows. A 1 car garage completes a package that is genuinely difficult to match at this price point. Ask about our preferred lender offering closing costs, keeping more money in your pocket from day one.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,601
Sqft
0.06 ac
Lot size
1
Garage
2022
Year built
Two
Levels
$166
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.
$2,390 /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
$2,390/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
−2.5%
$/sqft vs Land O Lakes actives
$166 vs $205
Days on market
36 vs 44 typical
Where $166/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 34637 — neighborhood snapshot
Population
11,398
Median age
36.9
Median income
$114,328
Median home value
$385,700
Avg household
2.86
Households w/ children
1,491
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)
214 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 34637 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 21851 LYONIA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$315,000
21861 ADRIATIC LANE · same community
3 bd · 2.5 ba · 1,601 sqft · $197/sqft · 98 DOM
Sold · Apr ’26$350,000
9882 RED BAY LOOP · same community
3 bd · 2 ba · 1,968 sqft · $178/sqft · 10 DOM
Sold · Jul ’26$338,000
10021 CAMPANULA COURT · same community
3 bd · 2 ba · 1,968 sqft · $172/sqft · 91 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 21851 LYONIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21851 LYONIA LANE — 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
21851 LYONIA LANE FAQs
What would the monthly payment be for 21851 LYONIA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,390/mo — principal and interest, the actual property-tax bill, the $258/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 21851 LYONIA LANE?+
The association fee works out to $258 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21851 LYONIA LANE?+
The most recent tax bill on record (2025) was $3,535. 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 21851 LYONIA LANE?+
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 $265,000, this home is listed about 37% below the Land O Lakes median of $423,900. The market section on this page shows how the area is trending.
Which schools are assigned to 21851 LYONIA LANE?+
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
Three things that matter here
01Under the LAND O LAKES 34637 market on paper
$265,000 is 33% below the LAND O LAKES 34637 median of $394,700, and at $166/sqft it sits under the Land O Lakes average of $219.
02Strong 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.
03The price has already moved
Listed at $270,000, now $265,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Anthony Malafronte. MLS #TB8521989.
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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