16660 SHELL BAY DRIVE, LAND O LAKES, FL, 34638
Active23 days on marketListed Aug 31, 2026MLS #A4704561
About this home
16660 SHELL BAY DRIVE
Fantastic opportunity to own a newer, beautifully finished home “ Like New” in Angeline at an incredible value! Step inside this pristine residence and discover a thoughtfully designed floor plan featuring 2 bedrooms, 2.5 baths, a spacious loft, and an oversized 2-car garage. Situated on a desirable conservation lot with a peaceful private view, this home offers a tranquil setting to relax and enjoy throughout the day. The well-appointed kitchen features elegant quartz countertops and stainless steel appliances, while its open layout provides a wonderful view of the adjoining living and dining areas—perfect for everyday living and entertaining. The primary suite is conveniently located on the first floor, while upstairs you'll find a private second bedroom and loft, creating an ideal separate space for guests, a home office, or additional living space. Additional features include a washer and dryer, new carpet in the bedrooms and loft, and epoxy flooring in the garage. Don't miss your opportunity to enjoy the Angeline lifestyle in Land O' Lakes! This active 55+ community offers a resort-style clubhouse packed with amenities, including an on-site restaurant, community pool, fitness center, pickleball courts, shuffleboard, bocce ball, and so much more. Come see all this exceptional home and community and make it your own!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,747
Sqft
0.08 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$188
Per sqft
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 and the real association fee — not generic estimates.
$3,084 /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
$3,084/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+27.4%
$/sqft vs ANGELINE
$188 vs $181
Days on market
23 vs 43 typical
Where $188/sqft sits among the 37 homes for sale in ANGELINE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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 → $414K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
12 of 37
ANGELINE have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% 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 16660 SHELL BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$308,990
11138 TREASURE SWALE WAY · same community
3 bd · 2.5 ba · 1,758 sqft · $176/sqft · 26 DOM
Sold · Dec ’25$311,790
11382 VELVET APRICOT DRIVE · same community
3 bd · 2.5 ba · 1,673 sqft · $186/sqft · 72 DOM
Sold · Jul ’26$294,990
11158 VELVET APRICOT DRIVE · same community
3 bd · 2.5 ba · 1,673 sqft · $176/sqft · 48 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 16660 SHELL BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16660 SHELL BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16660 SHELL BAY DRIVE FAQs
What would the monthly payment be for 16660 SHELL BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,084/mo — principal and interest, the actual property-tax bill, the $265/mo association fee 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.
How much are the HOA fees at 16660 SHELL BAY DRIVE?+
The association fee works out to $265 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16660 SHELL BAY DRIVE?+
The most recent tax bill on record (2025) was $6,998. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 16660 SHELL BAY DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Land O Lakes?+
At $328,000, this home is listed about 22% below the Land O Lakes median of $419,450. The market section on this page shows how the area is trending.
Which schools are assigned to 16660 SHELL BAY DRIVE?+
Connerton Elementary School (elementary), Land O' Lakes High School (high), Pine View Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LIST WITH 1 REALTY · Mark Borg. MLS #A4704561.
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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