15914 CEDAR ELM TERRACE, LAND O LAKES, FL, 34638
Pending71 days on marketListed Jun 4, 2026MLS #TB8504680
About this home
15914 CEDAR ELM TERRACE
Move-in ready home in Land O Lakes. Just unpack and start living! Major updates done in 2022. As soon as you walk in you'll notice how bright and fresh the space feels due to updated interior paint and gorgeous tile flooring that runs throughout the house. The heart of the home is definitely the totally remodeled kitchen. It's perfectly set up for cooking and entertaining, featuring beautiful stainless steel appliances, including a double oven that comes in handy for holiday cooking, and custom under and below cabinet lighting that adds a really warm inviting glow to your countertops! But what really sets this property apart is the total piece of mind you get from the updated big ticket items. Along with fresh exterior paint, 2022, that gives the house fantastic curb appeal, the 2022 remodel also includes new HVAC 2021, new roof 10/2022, solar 2022 (no more high electric bills, paid off at closing), washer 10/22, dryer 8/23. The updates don't stop there either. A new Craftsman garage door opener installed 9/23 and they even installed permanent customizable Govee house lights 12/25. You'll never have to climb a ladder again to hang holiday lights. You won't have to stress about major maintenance costs anytime soon! House set on a conservation lot with relaxing backyard pond view and gorgeous moonlight view. Location is everything right? If you enjoy the outdoors, the spot is hard to beat. The entrance to beautiful Starkey Trail is just one block from your front door, making it incredibly easy to head out for a morning walk, a weekend bike ride, or evening jog. This is a fantastic opportunity to own a fully updated,, worry free home in a highly sought after zip code. Reach out today and let's get your private showing scheduled!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,973
Sqft
0.13 ac
Lot size
2
Garage
2006
Year built
One
Levels
$190
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.
$2,793 /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
$2,793/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
+9.3%
Days on market
71 vs 44 typical
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 Suncoast 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 →
Suncoast Lakes — neighborhood snapshot
Population
1,915
Median age
40
Median income
$127,978
Median home value
$488,100
Avg household
3
Households w/ children
214
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 5% above the LAND O LAKES 34638 median. See the full Land O Lakes market guide →
Paper trail
This home's history
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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 15914 CEDAR ELM TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15914 CEDAR ELM TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15914 CEDAR ELM TERRACE FAQs
What would the monthly payment be for 15914 CEDAR ELM TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,793/mo — principal and interest, the actual property-tax bill, the $90/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 15914 CEDAR ELM TERRACE?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15914 CEDAR ELM TERRACE?+
The most recent tax bill on record (2025) was $2,037. 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 15914 CEDAR ELM TERRACE?+
The listing reports pets: Breed Restrictions. 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 $375,000, this home is listed about 11% 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 15914 CEDAR ELM TERRACE?+
Dr. Mary Giella Elementary School (elementary), Crews Lake Middle School. (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of REDFIN CORPORATION · Kevin Mize. MLS #TB8504680.
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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