Single Family Residence in VALENCIA GARDENS PH 1, LAND O LAKES · No CDD
VALENCIA GARDENS PH 1 · LAND O LAKES, FL 34639 · Pasco
Listing data updated September 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,625Sq Ft
2000Year Built
$247Per Sq Ft
WaterfrontPrivate pool3-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.
9% above
$/sq ft vs community
$247 here vs $227 median sold (12 mo)
Buyer leverage
Strong seller market
1.3-month supply
1.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~87 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 10, 2026, 22953 Bay Cedar Drive in Valencia Gardens Ph 1, Land O Lakes is listed at $649,000 (2,625 sq ft, about $247 per sq ft). It came to market within the past week. Listing facts: built in 2000, a private pool, waterfront, HOA dues of $63/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2000 · 26 yrs
2,625 sq ft of living area
3-car garage
Listed at $649,000 — recent neighborhood median sale price ~$595,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $63/mo (per listing)
Momentum Research · VALENCIA GARDENS PH I
Pricing & the VALENCIA GARDENS PH I market
How this home is priced against recent nearby sales, and where VALENCIA GARDENS PH I 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.
Property timeline
This home’s history
2000BuiltPer public record
Sep 10, 2026First trackedObserved at $649,000
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
$4,273/mo
Principal & interest $3,354/mo78%
Taxes $568/mo13%
Insurance $288/mo7%
HOA $63/mo1%
$4,273/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Pasco County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,100/yr ($342/mo)
+$5,575 more each year
(+136%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$252,611
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
55/100
Strongest on: Flood safety (95), Market liquidity (72)
0 limited50100 exceptional
55/100 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 area28
This home $247/sq ft vs the community 12-month median $227/sq ft.
Affordability35
List price $649,000 vs the community median $595,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~87 ft elevation. Verify the parcel with FEMA.
Insurance cost69
From FEMA Zone X and a 2000 build. Obtain a property-specific quote.
Market liquidity72
Community inventory, ~1.3 months of supply (12-month record).
Renovation upside29
From a 2000 build and $247/sq ft vs the community median $227/sq ft. Not a condition assessment.
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
🟡 Asking $247 per square foot, about 9% above the community’s $227 median. VALENCIA GARDENS PH I’s 12-month median sold price per square foot is $227. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 2 active listings in VALENCIA GARDENS PH I, no CDD assessment.
Updated September 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. Welcome to This Exceptional Waterfront Pool Home Located Within the Highly Sought-After Gated Community of Valencia Gardens. Perfectly Positioned on a Nearly Quarter-Acre Homesite in a Non-Flood Zone, This Beautifully Maintained Residence Offers a 3-Car Garage & 2,625 Square Feet of Thoughtfully Designed Living Space With 4 Bedrooms, 3 Full Bathrooms, an Oversized Upstairs Bonus Room That Could Easily Serve as a Fifth Bedroom.
From the Moment You Arrive, the Freshly Painted Exterior, Mature Landscaping, & Inviting Curb Appeal Set the Tone for What Awaits Inside. Soaring 10-Foot Ceilings & a Desirable Three-Way Split Floor Plan Create an Open, Comfortable Layout Ideal for Both Everyday Living & Entertaining. Formal Living & Dining Areas Provide Flexible Space, While the Expansive Family Room Opens Seamlessly to the Outdoor Living Area Through Triple Sliding Glass Doors.
The Heart of the Home Is the Fully Renovated Kitchen, Showcasing New Beautiful Shaker-Style Cabinetry & Elegant Quartz Countertops, Stainless Steel Appliances a Breakfast Bar, & a Casual Dining Area Overlooking the Family Room & Sparkling Pool. The Private Primary Suite Is a True Retreat, Complete With Tray Ceilings, New Luxury Vinyl Flooring, Dual Walk-In Closets, & Direct Access to the Lanai. The Spacious Primary Bathroom Has Been Refreshed With New Dual Vanities & Also Features a Large Walk-In Shower & Relaxing Garden Tub.
Three Additional Bedrooms Are Located on the First Floor, Including a Private Guest Suite With Adjacent Full Pool Bath. Upstairs, the Oversized Bonus Room With Closet Offers Endless Possibilities as a Media Room, Game Room, or Optional Fifth Bedroom, Along With an Additional Finished Storage Room/Shown as a Great Home office Space. Outdoor Living Is Simply Spectacular.
The Enormous Wrap Around Paver Lanai Surrounds a Heated Saltwater Pool, Creating the Perfect Setting to Relax While Enjoying Tranquil Waterfront Views & Breathtaking Sunsets. A Fully Fenced Side Yard Provides an Excellent Space for Pets or Play. Additional Highlights Include New Luxury Vinyl Flooring Throughout the Downstairs Secondary Bedrooms, New Upstairs Carpeting, Hurricane Shutters, Water Softener & Abundant Garage Storage.
Enjoy Gated Security & Convenient Access to the Nearby 80-Acre Land O' Lakes Recreation Complex, Featuring Athletic Fields, Tennis & Basketball Courts, Dog Park, Playgrounds, Fishing Pier, Walking Areas, & Numerous Recreational Amenities. This Move-In-Ready Waterfront Home Offers the Perfect Combination of Modern Updates, Functional Living Space, & an Unbeatable Florida Lifestyle.
Description provided by RE/MAX ALLIANCE GROUP 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$649,000
Bed / bath4 / 3
Living area2,625 sq ft
Year built2000
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #TB8546457
Listing statusActive
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~87 ft
Windstorm exposureLow
CountyPasco
Area listings2 active · 2 under contract
Estimated first-year tax~$6,814/yr
CDD assessmentNone on record
HOA (per listing)$63/mo
Calculated estimates
Price per sq ft$247
Estimated monthly payment$4,273
Insurance (illustrative)$2k–$5k/yr
Comparable-sales median$595,000
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 RE/MAX ALLIANCE GROUP · Listing agent: Warren Ring · 727-845-4321Provided 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.
$525,000the mess$666,750
Actual list price: $649,000 — 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 2000 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $63/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
3 active listings competing, 4 under contract
≈1.3 months of supply
21 closed here in the last 12 months
For reference, this home is listed at $649,000 ($247/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: 2,625 sq ft × $200–$254/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 10, 2026.
Keep looking
Similar homes for sale near VALENCIA GARDENS PH 1
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 $649,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$6,814/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–$5k/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
$63/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
~87 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 22953 BAY CEDAR DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by RE/MAX ALLIANCE GROUP · MLS # TB8546457
Request a showing
Market data · public records
Recent sales activity in VALENCIA GARDENS PH 1
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 VALENCIA GARDENS PH 1 neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$595,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$227
Canonical 12-month median $/sq ft. Reference only.
Go deeper on VALENCIA GARDENS PH 1
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 6 miles north of Valencia Gardens.
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 8 miles northwest of Valencia Gardens.
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 5 miles east of Valencia Gardens.
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 Jun 2026
$595,000
22953 BAY CEDAR DRIVE, LAND O LAKES
4 / 3 bd/ba · 2,625 sq ft · $227/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Community 12-month median: $227/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$2,975 – $4,327/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,386 – −$169At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 22953 Bay Cedar Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2000 (26 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $63/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,625 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,814/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
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.
Stellar MLS, refreshed twice daily (last: September 10, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 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 Stellar MLS 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
How big is 22953 Bay Cedar Drive and when was it built?
Per the listing record, 22953 Bay Cedar Drive was built in 2000 and has 2,625 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 22953 Bay Cedar Drive in?
22953 Bay Cedar Drive is in Valencia Gardens Ph 1 in Land O Lakes, Pasco County. The community section on this page shows recent closed sales, days on market, and active inventory for Valencia Gardens Ph 1 from the same MLS data.
Does 22953 Bay Cedar Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $63 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 22953 Bay Cedar Drive differ from the current owner's?
The estimate on this page (about $6,814 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 22953 Bay Cedar Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 22953 BAY CEDAR 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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.
