18345 FISH LOOP, LAND O LAKES, FL, 34638
Active212 days on marketListed Jan 2, 2026MLS #TB8460014
About this home
18345 FISH LOOP
$10,000 price decrease. Buyer will receive a FREE 1-0 interest rate buydown with the use of the seller's preferred lender. Welcome to Asbel Creek Estates, located in the heart of Land O’ Lakes. This home offers an incredible opportunity to be part of one of the fastest-growing areas in the region. Asbel Creek Estates will be surrounded by new development, future dining and recreational spaces. New residents will then enjoy the charm of an established neighborhood. The Moffitt Cancer Center Speros project is well on its way. A 775 - acre global innovation center for cancer research, treatment and life sciences. With major roadways nearby, property values are poised for strong appreciation as the Speros campus continues to get built out. This charming 4-bedroom, 2.5-bathroom home sits on a spacious lot, perfect for entertaining, relaxing, or letting pets play. The lot has plenty of room to add a large pool and deck. Inside, you'll find an open-concept layout. The perfect blend of space, style and comfort. Enjoy wood flooring on the first floor and staircase. Stainless steel appliances, wood cabinetry, and a walk-in pantry. The large primary suite offers a walk-in closet and an en-suite bathroom with double vanities and a generous walk-in shower. Additional features include a bonus office space downstairs and loft area upstairs. Mature landscaping, an irrigation system, and plenty of natural light throughout. Asbel Creek Estates is a highly sought-after, family-friendly community with amenities such as a playground, basketball courts, a beach volleyball court, dog park, and covered picnic area. EXTRA BONUS: enjoy a low HOA and NO CDD fees. This home was updated with new LED lighting throughout. Fully fenced back yard. New air unit in 2022. Located close to top-rated schools, shopping, parks, and major commuter routes like the Veterans Expressway, US 41, SR 52 & SR 54. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,621
Sqft
0.1 ac
Lot size
2
Garage
2010
Year built
Two
Levels
$172
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.
$3,390 /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
$3,390/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
+0.2%
$/sqft vs ASBEL ESTATES
$172 vs $172
Days on market
212 vs 32 typical
Where $172/sqft sits among the 6 homes for sale in ASBEL ESTATES
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 → $428K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
4 of 6
ASBEL ESTATES have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above 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 18345 FISH LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$318,500
9759 SIMEON DRIVE · same community
5 bd · 3 ba · 2,250 sqft · $142/sqft · 9 DOM
Sold · Jun ’26$365,000
9645 JAYBIRD LANE · same community
3 bd · 2 ba · 2,217 sqft · $165/sqft · 3 DOM
Sold · Oct ’25$369,000
9528 BATON ROUGE LANE · same community
4 bd · 3 ba · 2,136 sqft · $173/sqft · 43 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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 18345 FISH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18345 FISH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18345 FISH LOOP FAQs
What would the monthly payment be for 18345 FISH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,390/mo — principal and interest, the actual property-tax bill, the $73/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 18345 FISH LOOP?+
The association fee works out to $73 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18345 FISH LOOP?+
The most recent tax bill on record (2024) was $3,703. 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 18345 FISH LOOP?+
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 $450,000, this home is listed about 9% above the Land O Lakes median of $413,946. The market section on this page shows how the area is trending.
Which schools are assigned to 18345 FISH LOOP?+
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
01Positioned at the premium end
$450,000 runs 25% above the LAND O LAKES 34638 median — but at 2,621 sqft it's also 30% larger than the typical Land O Lakes listing.
02Time on market is leverage
212 days on market against a Land O Lakes median of 32 — sellers in this position are usually ready to negotiate.
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 EXP REALTY LLC · Clive Saunders. MLS #TB8460014.
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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