10024 COLDWATER LOOP, LAND O LAKES, FL, 34638
Active81 days on marketListed May 15, 2026MLS #TB8508788
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Upcoming open house
Sun, Aug 9
12:00 PM – 2:00 PM
About this home
10024 COLDWATER LOOP
Virtually Staged. Nearly 2,600 square feet for under $400,000! One of the largest and best values currently available in Asbel Creek. If you've been searching for a home that offers exceptional space, major updates, and outstanding value without exceeding your budget, this is one you won't want to miss. Designed with flexibility in mind, the popular floor plan features a desirable first-floor primary suite and an oversized upstairs flex room that can easily serve as a 4th bedroom, home office, media room, playroom, or home gym—perfect for today's lifestyle. The beautifully remodeled kitchen is the heart of the home, showcasing white cabinetry, striking stone countertops and backsplash, stainless steel appliances, a farmhouse sink, an oversized breakfast bar, and abundant cabinet space for both everyday living and entertaining. Major updates have already been completed, including a newer roof (2020), newer HVAC system (2023), remodeled bathrooms, fresh interior paint, updated lighting, recessed lighting, ceiling fans, and a custom walk-in closet in the primary suite, allowing you to move in with confidence. Step outside to the screened lanai overlooking the fully fenced backyard with plenty of room for entertaining, pets, gardening, or simply relaxing after a long day. With nearly 2,600 square feet, extensive updates already completed, low HOA fees, no CDD, and a price under $400,000, opportunities like this are becoming increasingly difficult to find. Conveniently located near the Suncoast Parkway, shopping, restaurants, and top-rated schools, this move-in-ready home delivers the space, flexibility, and value today's buyers have been waiting for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,596
Sqft
0.13 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$154
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.
$3,038 /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
$3,038/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
−16.5%
$/sqft vs Land O Lakes actives
$154 vs $205
Days on market
81 vs 41 typical
Where $154/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 → $422K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
219 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 11% 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 10024 COLDWATER LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$470,000
19123 SUNSET BAY DRIVE
4 bd · 2.5 ba · 2,588 sqft · $182/sqft · 122 DOM
Sold · May ’26$465,000
9208 LOST MILL DRIVE
4 bd · 2.5 ba · 2,654 sqft · $175/sqft · 197 DOM
Sold · Oct ’25$330,000
9126 LANTERN OAK WAY
3 bd · 2.5 ba · 2,657 sqft · $124/sqft · 50 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10024 COLDWATER LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10024 COLDWATER LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10024 COLDWATER LOOP FAQs
What would the monthly payment be for 10024 COLDWATER LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,038/mo — principal and interest, the actual property-tax bill, the $71/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 10024 COLDWATER LOOP?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10024 COLDWATER LOOP?+
The most recent tax bill on record (2025) was $3,312. 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 10024 COLDWATER 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 $399,900, this home is listed about 5% below 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 10024 COLDWATER 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
$399,900 runs 11% above the LAND O LAKES 34638 median — but at 2,596 sqft it's also 27% larger than the typical Land O Lakes listing.
02Strong 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.
03The price has already moved
Listed at $440,000, now $399,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Peter Gawienczuk. MLS #TB8508788.
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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