Single Family Residence in LAKE PADGETT ESTATES, LAND O LAKES · No CDD
LAKE PADGETT ESTATES · LAND O LAKES, FL 34639 · Pasco
Listing data updated July 23, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
2,180Sq Ft
1976Year Built
$265Per Sq Ft
Private pool2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
16% above
$/sq ft vs community
$265 here vs $228 median sold (12 mo)
Buyer leverage
Seller-leaning
6 days on market
3.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $577,000 — recent neighborhood median sale price ~$420,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Lake Padgett Estates Land O Lakes
Pricing & the Lake Padgett Estates Land O Lakes market
How this home is priced against recent nearby sales, and where Lake Padgett Estates Land O Lakes has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Lake Padgett Estates Land O Lakes
Each dot is a closed sale since 2004 (341 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $265/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 40 (normal).
Property timeline
This home’s history
1976BuiltPer public record
Jul 10, 2026First trackedObserved at $577,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,792/mo
Principal & interest $2,924/mo77%
Taxes $505/mo13%
Insurance $313/mo8%
HOA $50/mo1%
$3,792/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Buyer competition (88)
0 limited50100 exceptional
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area9
This home $265/sq ft vs the community 12-month median $228/sq ft.
Affordability0
List price $577,000 vs the community median $420,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost52
From FEMA Zone X and a 1976 build. Obtain a property-specific quote.
Market liquidity67
Community median 32 days on market, ~3.3 months of supply (12-month record).
Renovation upside58
From a 1976 build and $265/sq ft vs the community median $228/sq ft. Not a condition assessment.
Buyer competition88
12% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power73
Recent sales closed at about 93.4% of original asking (~6.6% below). More room below asking generally favors buyers.
Market timing60
Momentum Market Heat is 40/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.3 months of supply in the surrounding market and 6 days on market for this home, against a 32-day area median.Days on market:this home 6Area median: 32 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. As of July 15, 2026.
🟡 Asking $265 per square foot, about 16% above the community’s $228 median. Lake Padgett Estates Land O Lakes’s 12-month median sold price per square foot is $228. Median sold price per square foot is up 5.0% year over year. Confidence: High · 25 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
89% of homes in Lake Padgett Estates Land O Lakes are owner-occupied. An estimated 11% are non-owner-occupied, including 3% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 37 homes matched. Community-level context.
Recent Lake Padgett Estates Land O Lakes sales closed near 93.4% of original asking. Cash paid for about 12% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 13 active listings in Lake Padgett Estates Land O Lakes, no CDD assessment.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this beautifully remodeled 4-bedroom, 2-bath, 2-car garage pool home in the highly desirable Lake Padgett Estates! Thoughtfully updated from top to bottom, this move-in ready home offers the perfect combination of modern style, comfort, and Florida living. Major improvements include a new roof, hurricane-impact windows and doors throughout, and a newly resurfaced pool and pool deck, providing both peace of mind and lasting value.
The spacious open-concept floor plan creates an inviting atmosphere that's perfect for everyday living and entertaining. The living areas flow seamlessly to the large covered lanai and screened pool, creating the ideal indoor-outdoor lifestyle for relaxing, hosting family gatherings, or enjoying weekends with friends. The private primary suite is a true retreat, featuring a beautifully updated en-suite bathroom, a generous walk-in closet, and a versatile bonus space that can be used as a home office, sitting room, dressing area, nursery, or reading nook.
Private access to the patio and pool adds to the suite's appeal. Situated in one of Land O' Lakes' most sought-after communities, Lake Padgett Estates offers an exceptional lifestyle surrounded by lakes, parks, and outdoor recreation. Close to three lakefront parks featuring playgrounds, basketball and volleyball courts, boat and kayak launches, picnic shelters, and plenty of green space for outdoor fun.
Just two miles away, the 79-acre Land O' Lakes Recreation Complex offers something for everyone, including baseball, football, and soccer fields, indoor and outdoor basketball courts, tennis courts, indoor volleyball, a gymnasium, skate park, swimming pool, playgrounds, and year-round community activities. Conveniently located near shopping, dining, major roadways, and highly rated schools, this exceptional home offers everything you've been looking for. Schedule your private showing today and discover why so many love calling Lake Padgett Estates home.
Description provided by KELLER WILLIAMS REALTY- PALM HARBOR and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$577,000
Bed / bath4 / 2
Living area2,180 sq ft
Year built1976
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8527939
Listing statusNew — 6 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyPasco
Area listings13 active · 2 under contract
Estimated first-year tax~$6,058/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$265
Estimated monthly payment$3,792
Insurance (illustrative)$2k–$6k/yr
Comparable-sales median$420,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Listing agent: Gary Ubaldini · 727-772-0772Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$438,180the mess$555,900
Actual list price: $577,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 6 days on market vs. a 32-day community median
14 active listings competing, 2 under contract
≈3.3 months of supply
47 closed here in the last 12 months
For reference, this home is listed at $577,000 ($265/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,180 sq ft × $201–$255/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
Keep looking
Similar homes for sale near LAKE PADGETT ESTATES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $577,000Momentum Realty · on market 6 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$6,058/yr
A rough first-year estimate only, applying a typical Pasco rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in LAKE PADGETT ESTATES
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the LAKE PADGETT ESTATES neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$420,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$228
Canonical 12-month median $/sq ft. Reference only.
Go deeper on LAKE PADGETT ESTATES
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Development
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
Why it matters: A new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The site is about 5 miles north of Lake Padgett Estates.
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
Why it matters: A large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The site is about 7 miles northwest of Lake Padgett Estates.
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
Why it matters: Added outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The site is about 6 miles east of Lake Padgett Estates.
Schools currently assigned to this address in Pasco County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Lake Myrtle Elementary-POAssigned elementary school · Pasco County School District · Grade A (Florida DOE 2025-26)
GRADEA
Charles S. Rushe Middle-POAssigned middle school · Pasco County School District · Grade A (Florida DOE 2025-26)
GRADEA
Sunlake High School-POAssigned high school · Pasco County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$735,000
21738 OCEAN PINES DRIVE, LAND O LAKES
4 / 2.5 bd/ba · 2,472 sq ft · $297/sq ft
Courtesy of KELLER WILLIAMS TAMPA PROP. · View details →
Community 12-month median: $228/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,645 – $3,847/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,228 – −$147At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
LAND O LAKES
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 22402 STILLWOOD DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
