22408 SHORESIDE DRIVE, LAND O LAKES, FL, 34639
Active20 days on marketListed Jul 17, 2026MLS #TB8528755
About this home
22408 SHORESIDE DRIVE
Move-in ready with no HOA, single-level living, and affordable ski lake access, this beautifully updated 4-bedroom, 2-bath home offers 1,912 SqFt on an oversized canal-front homesite leading to 88-acre ski-sized East Lake in the highly sought-after Lake Padgett Estates. The spacious homesite offers plenty of room to park your RV, boat, trailer, and other recreational vehicles. Recent updates include new luxury vinyl plank flooring, interior paint, interior doors, light fixtures, and ceiling fans (July 2026), A/C (2023), and well pump (2025). Double front doors welcome you into a bright, open layout filled with natural light, featuring a spacious great room with a wood-burning fireplace and pocket sliding glass doors that open to the large covered lanai with dual ceiling fans overlooking the canal. The kitchen overlooks the living area and features granite countertops, stainless steel appliances, a large center island, ample cabinetry, and generous counter space. The split-bedroom floor plan provides privacy for the primary suite, while a formal dining room offers additional entertaining space. The laundry room includes built-in cabinetry, a utility/storage closet, and a utility sink hookup. A water softener adds to the home's everyday convenience. Lake Padgett Estates offers access to three ski-sized lakes, horse stables, parks, and recreational amenities. Location is everything—zoned for top-rated Sunlake High School and just minutes from Publix, Target, Walmart, Costco, Tampa Premium Outlets, restaurants, dining, entertainment, and convenient access to I-275. You'll also enjoy being approximately 30 minutes from Tampa International Airport, Downtown Tampa, and the University of South Florida (USF). Enjoy the perfect blend of lake living, everyday convenience, and the freedom of no HOA. Don't miss your chance to own this rare opportunity for affordable ski lake access in one of Land O' Lakes' most desirable communities!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,912
Sqft
0.36 ac
Lot size
2
Garage
1981
Year built
One
Levels
$256
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 — not generic estimates.
$3,698 /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
$3,698/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
+6.8%
$/sqft vs Land O Lakes actives
$256 vs $205
Days on market
20 vs 41 typical
Where $256/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 Lake Padgett Estates
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 →
Lake Padgett Estates — neighborhood snapshot
Population
2,759
Median age
50
Median income
$106,965
Median home value
$360,899
Avg household
3
Households w/ children
277
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 30% above 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 22408 SHORESIDE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$570,000
2430 MARTHA LANE
3 bd · 3 ba · 1,874 sqft · $304/sqft · 2 DOM
Sold · Jan ’26$525,000
22129 CARSON DRIVE
4 bd · 2.5 ba · 1,950 sqft · $269/sqft · 262 DOM
Sold · Jan ’26$625,000
2995 LAKE SAXON DRIVE
4 bd · 2 ba · 1,962 sqft · $319/sqft · 40 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 22408 SHORESIDE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22408 SHORESIDE 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
22408 SHORESIDE DRIVE FAQs
What would the monthly payment be for 22408 SHORESIDE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,698/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 22408 SHORESIDE DRIVE?+
The most recent tax bill on record (2025) was $5,314. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Land O Lakes?+
At $489,000, this home is listed about 17% above the Land O Lakes median of $419,000. The market section on this page shows how the area is trending.
Which schools are assigned to 22408 SHORESIDE DRIVE?+
Lake Myrtle Elementary School (elementary), Charles S. Rushe Middle School (middle), Sunlake High School (high) — 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
$489,000 runs 30% above the LAND O LAKES 34639 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lake Myrtle Elementary School, Charles S. Rushe Middle School, Sunlake High School — Charles S. Rushe Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $499,000, now $489,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ARK REALTY · Cris Galdos. MLS #TB8528755.
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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