Waterfront Homes for Sale in Land O Lakes, FL
This page tracks every Land O Lakes listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
67 waterfront homes are for sale or pending in Land O Lakes, FL today across 53 communities. The median asking price is $520,000, from $129,000 to $1,950,000. Listings in Land O Lakes without that feature have a median of $625,000. Most listings right now: Lake Padgett Estates (4), Lakeshore Ranch Ph I (3), Caliente Apts Condo (3). Updated September 8, 2026 from the MLS.
Land O Lakes waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Lake Padgett Estates | 4 | 0 | $705,950 | $500,000 |
| Lakeshore Ranch Ph I | 3 | 0 | $475,000 | $450,000 |
| Caliente Apts Condo | 3 | 0 | $295,000 | $269,000 |
| Pasco Sunset Lakes | 2 | 0 | $1,189,500 | $980,000 |
| Swann Lake | 2 | 0 | $1,137,000 | $995,000 |
| Wilderness Lake Preserve Ph 01 | 2 | 0 | $810,750 | $422,500 |
| Asbel Estates | 2 | 0 | $445,000 | $370,000 |
| Grand Oaks Ph 02 Units 06 & 08 | 2 | 0 | $399,500 | $369,000 |
| Lake Padgett South | 2 | 0 | $377,000 | $285,000 |
| Ivelmar Estates | 1 | 0 | $1,950,000 | $1,950,000 |
| Preserve At Lake Thomas | 1 | 0 | $1,699,990 | $1,699,990 |
| Manors/Lk Padgett | 1 | 0 | $1,475,000 | $1,475,000 |
| Lake Thomas Estates | 1 | 0 | $1,399,000 | $1,399,000 |
| Conners Lake Front Estates | 1 | 0 | $1,375,000 | $1,375,000 |
| Outlaw Ridge | 1 | 0 | $1,299,999 | $1,299,999 |
| Enclave/ Terra Bella Ph 2-4 | 1 | 0 | $1,150,000 | $1,150,000 |
| Bexley South Prcl 4 Ph 2A | 1 | 0 | $1,100,000 | $1,100,000 |
| Collier Parkway | 1 | 0 | $999,900 | $999,900 |
| Stonegate | 1 | 0 | $975,000 | $975,000 |
| Natures Reserve | 1 | 0 | $950,000 | $950,000 |
| Oakstead Parcel 1 Unit 2 | 1 | 0 | $949,000 | $949,000 |
| Stonegate Ph 2 | 1 | 0 | $799,000 | $799,000 |
| Oak Villa | 1 | 0 | $724,990 | $724,990 |
| Dupree Gardens 1St Add | 1 | 0 | $695,000 | $695,000 |
| Lake Padgett Estate/Grove Shore | 1 | 0 | $659,900 | $659,900 |
| Lake Talia Ph 1 | 1 | 0 | $655,000 | $655,000 |
| Connerton Village 01 Prcl 103 | 1 | 0 | $650,000 | $650,000 |
| Magnolia Point | 1 | 0 | $649,900 | $649,900 |
| Heron Point At Sable Ridge Ph 01C | 1 | 0 | $635,000 | $635,000 |
| Concord Station Ph 04 Units A & B | 1 | 0 | $635,000 | $635,000 |
| Connerton Village 01 Prcl 101 & 102 | 1 | 0 | $585,000 | $585,000 |
| Caliente C F K L N G H J | 1 | 0 | $563,000 | $563,000 |
| Perdew Island | 1 | 0 | $550,000 | $550,000 |
| Lake Padgett/Grove Shore | 1 | 0 | $489,000 | $489,000 |
| Grand Oaks Ph 2 Uns 6 & 8 | 1 | 0 | $479,000 | $479,000 |
| Oakstead Prcl 9 & 10 | 1 | 0 | $474,900 | $474,900 |
| Deerbrook Ph 1 | 1 | 0 | $450,000 | $450,000 |
| Grand Oaks Ph 02 Unit 03 & 05 | 1 | 0 | $435,000 | $435,000 |
| Connerton Village 2 Prcl 218 Ph 1C | 1 | 0 | $429,900 | $429,900 |
| Lake Padgett Estates East | 1 | 0 | $419,900 | $419,900 |
| Concord Station Ph 01 Units C D E & F | 1 | 0 | $414,900 | $414,900 |
| Devonwood Residential | 1 | 0 | $399,999 | $399,999 |
| King Lake Area | 1 | 0 | $399,900 | $399,900 |
| Oakstead Prcl 05 | 1 | 0 | $365,000 | $365,000 |
| Cypress Preserve Ph 3D 3E & 4B | 1 | 0 | $350,000 | $350,000 |
| Groves Ph 03 Club Villas | 1 | 0 | $339,000 | $339,000 |
| Asbel Creek Ph 04 | 1 | 0 | $328,000 | $328,000 |
| Oakstead Prcl 06 | 1 | 0 | $325,000 | $325,000 |
| Cypress Preserve Ph 3B 2B 3 & | 1 | 0 | $320,000 | $320,000 |
| Townes/Lk Thomas Ph 1 | 1 | 0 | $285,000 | $285,000 |
| Groves Ph Iii-Club Villas | 1 | 0 | $269,000 | $269,000 |
| Covingtons | 1 | 0 | $224,999 | $224,999 |
| Covington Sub | 1 | 0 | $129,000 | $129,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Land O Lakes?
What do waterfront homes cost in Land O Lakes?
Which Land O Lakes community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Land O Lakes
- All homes for sale in Land O Lakes
- Land O Lakes ZIP codes with prices
- Land O Lakes pool homes
- Waterfront Homes in every city
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Land O Lakes, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.