5128 HARTWELL LOOP, LAND O LAKES, FL, 34638
Active148 days on marketListed Mar 12, 2026MLS #TB8479838
About this home
5128 HARTWELL LOOP
One or more photo(s) has been virtually staged. Major updates include a newer roof (2024), two A/C systems(2024), and water heater (2023). Beautiful 5-bedroom plus flex room, plus upstairs loft, 3 full bathrooms (one connects to the exterior), heated salt-water pool home with no rear neighbors, located in the desirable gated community of Lake Talia, offering NO CDD and a low HOA in a non-flood zone. The home features a spacious family room and casual dining space overlooking the pool, and an upstairs extended loft. The kitchen offers granite countertops, a lazy-susan corner organizer, pull-out cabinet organizers, a walk-in pantry, and ample preparation space, with luxury vinyl flooring throughout. Enjoy outdoor living with a screened lanai, covered patio, pavers pool deck, and heated pool overlooking a serene pond with illuminated fountain. Additional highlights include a three-car garage, large lot with a decent separation between homes, A-rated schools, and convenient access to shopping, dining, and major roadways. Located within a walking distance to Sanders Memorial Elementary School (A+ charter school). Community offers a basketball court, shaded playground, open green fields and a great scenery for your morning or afternoon walks around its multiple ponds.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,923
Sqft
0.2 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$224
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.
$4,740 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,740/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+11.5%
$/sqft vs Land O Lakes actives
$224 vs $205
Days on market
148 vs 42 typical
Where $224/sqft sits among the 400 Land O Lakes actives
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 → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
211 of 400
Land O Lakes actives have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 79% 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 5128 HARTWELL LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$640,000
4810 PATAGONIA PLACE · same community
5 bd · 3 ba · 3,662 sqft · $175/sqft · 15 DOM
Sold · May ’26$582,000
5703 GOLDEN OWL LOOP
4 bd · 4 ba · 2,976 sqft · $196/sqft · 142 DOM
Sold · Nov ’25$578,000
5103 RUSHBROOK ROAD
4 bd · 3.5 ba · 3,033 sqft · $191/sqft · 149 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5128 HARTWELL LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5128 HARTWELL LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5128 HARTWELL LOOP FAQs
What would the monthly payment be for 5128 HARTWELL LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,740/mo — principal and interest, the actual property-tax bill, the $100/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 5128 HARTWELL LOOP?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5128 HARTWELL LOOP?+
The most recent tax bill on record (2025) was $8,403. 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 5128 HARTWELL 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 $655,000, this home is listed about 56% above the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5128 HARTWELL 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
Five things that matter here
01Positioned at the premium end
$655,000 runs 79% above the LAND O LAKES 34638 median — but at 2,923 sqft it's also 43% larger than the typical Land O Lakes listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
148 days on market against a Land O Lakes median of 42 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $690,000, now $655,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AGILE GROUP REALTY · Shayra Feliciano. MLS #TB8479838.
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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