4543 COBB ROAD, LAND O LAKES, FL, 34638
Active15 days on marketListed Jul 27, 2026MLS #A4701134
About this home
4543 COBB ROAD
Rare opportunity to own 2.1 acres with direct lake frontage! This beautiful waterfront parcel offers endless potential for your next project or future homesite. The property includes a private dock (in need of repair), as well as an existing well and septic system. Enjoy peaceful surroundings, stunning water views, and plenty of space to bring your vision to life. Whether you're looking to build, invest, or create a private retreat, this property offers exceptional potential in a scenic setting. The single-family structure is a tear down.
Facts & features
The home at a glance
2.08 ac
Lot size
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.
$1,406 /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
$1,406/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.
Where it sits
Inside Land O Lakes
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 →
LAND O LAKES 34638 — neighborhood snapshot
Population
35,900
Median age
37.7
Median income
$117,931
Median home value
$378,200
Avg household
3.15
Households w/ children
5,294
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)
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the LAND O LAKES 34638 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 4543 COBB ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$355,000
19635 BELLEHURST LOOP
3 bd · 2 ba · 1,505 sqft · $236/sqft · 12 DOM
Sold · Jul ’26$300,000
19438 EVERTON PLACE
2 bd · 2 ba · 1,557 sqft · $193/sqft · 112 DOM
Sold · May ’26$325,000
3647 SIMONTON COURT
3 bd · 2 ba · 1,557 sqft · $209/sqft · 3 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4543 COBB ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4543 COBB ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4543 COBB ROAD FAQs
What would the monthly payment be for 4543 COBB ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,406/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 4543 COBB ROAD?+
The most recent tax bill on record (2025) was $1,359. 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 $179,000, this home is listed about 58% below the Land O Lakes median of $422,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4543 COBB ROAD?+
Land O' Lakes High School (high), Connerton Elementary School (elementary), Pine View Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAND O LAKES 34638 market on paper
$179,000 is 52% below the LAND O LAKES 34638 median of $369,495.
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
Land O' Lakes High School, Connerton Elementary School, Pine View Middle School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLATFEE.COM · Cliff Glansen. MLS #A4701134.
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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