Banjo Lake
Homes for Sale in Land O Lakes, FL
True comps, carrying-cost math, and listings before the portals.
Nearby homes for sale
No active listings inside Banjo Lake right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
As of October 2026, the MLS records 22 closed sales in Banjo Lake Land O Lakes in Land O Lakes, FL since 2024, the most recent in January 2026. Across Land O Lakes as a whole, 1,104 homes closed in the last 12 months at a median of $394,990, 43 median days on market, with 478 homes for sale today. At that median and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $6,380 ($5,730 with the full homestead exemption).
The market around Banjo Lake
Banjo Lake is too small for its own price trend, so here is the market around it.
In ZIP 34639, 112 homes are on the market and 22% are under contract — a steady corner of Land O Lakes.
Across Pasco County, 4,213 homes are active and 1,214 pending (22% under contract).
ZIP and county figures describe the wider market, not Banjo Lake specifically. Momentum Research analysis of MLS records.
Life at Banjo Lake
- Deed Restrictions · reported on 3 of 3 listings
- Playground · reported on 1 of 3 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Pasco County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pine View Elementary School (verify by address)FLDOE grade A · Public
- Pine View Middle School (verify by address)FLDOE grade A · Public
- Land O' Lakes High School (verify by address)FLDOE grade A · Public
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Pasco County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Banjo Lake address.
The Banjo Lake buying strategy.
If we were buying in Banjo Lake today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Banjo Lake.
A closer look at the Banjo Lake market
The housing stock is 59 homes built between 1972 and 2024, and 58% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Banjo Lake. The deal is won or lost on condition, the comps, and the renovation math.
What it really costs to own in Banjo Lake
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $225/month across 84 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
Email me new listings in Banjo Lake
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Banjo Lake
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Banjo Lake will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $225/month (about $2,700/yr) · median of 84 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $225 per month ($2,700 a year) - the median AssociationFee across 84 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Banjo Lake buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Banjo Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Banjo Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Banjo Lake home worth?
Get a no-obligation home value based on real comparable sales in Banjo Lake, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Banjo Lake on the map →
| Location | Land O Lakes, Pasco County, FL · ZIP 34639 |
|---|---|
| Homes in the community | 59 (FL DOR 2025 assessment roll) |
| Years built | 1972–2024 (median 2024.0) |
| Typical living area | 1,410 sq ft (median) |
| Amenities listed by sellers | Deed Restrictions, Playground |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 58% |
| Zoned public schools | Pine View Elementary School (verify by address) (A, FLDOE 2025-26); Pine View Middle School (verify by address) (A, FLDOE 2025-26); Land O' Lakes High School (verify by address) (A, FLDOE 2025-26) |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Banjo Lake key facts,” movewithmomentum.com/neighborhoods/banjo-lake-land-o-lakes, data as of September 20, 2026.
Housing distress & ownership in Banjo Lake Land O Lakes, Land O Lakes
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
More Land O Lakes home searches
- All homes for sale in Land O Lakes, FL
- Homes for sale in Pasco County, FL
- Land O Lakes pool homes for sale
- Land O Lakes waterfront homes for sale
- Gated communities in Land O Lakes
- Land O Lakes golf course homes
- Homes under $300K in Land O Lakes
- Homes from $300K to $500K in Land O Lakes
- 4-bedroom homes for sale in Land O Lakes
- Land O Lakes home values: what is my house worth?
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Banjo Lake Road (18 homes on record)
Frequently Asked Questions
How many homes are in Banjo Lake?
What share of Banjo Lake is owner-occupied?
When were the homes in Banjo Lake built?
What schools serve Banjo Lake?
Who is the best real estate agent for Banjo Lake?
How do I find a top Land O Lakes real estate agent who knows Banjo Lake?
Can Momentum Realty connect me with an agent for Banjo Lake?
Where is Banjo Lake, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 14, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34639)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2024 (22 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Banjo Lake Land O Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Banjo Lake with Momentum Realty’s local guides.