21439 SOUTHERN CHARM DRIVE, LAND O LAKES, FL, 34637
Active108 days on marketListed Jul 2, 2026MLS #TB8524379
About this home
21439 SOUTHERN CHARM DRIVE
**BUY THIS HOME WITH ZERO MONEY OUT OF POCKET!*** Yes, it may be possible! **21439 Southern Charm Drive is USDA eligible**, offering qualified buyers the opportunity for **100% financing with NO DOWN PAYMENT**. Combine that with available **SELLER CREDITS toward allowable closing costs**, and qualified buyers may be able to purchase this home with **$0 out of pocket at closing!** Now let's talk about the home. What if you could get **4 BEDROOMS, 2.5 BATHROOMS, 2,245 SQ FT, a 2-CAR GARAGE, and a CONSERVATION HOMESITE in Connerton for $374,000?** Built by Ryland Homes, this spacious property offers the room you've been looking for without sacrificing privacy or outdoor space. The home is positioned on a desirable **CONSERVATION HOMESITE WITH NO REAR NEIGHBORS**, providing a peaceful green backdrop and added privacy. Inside, you'll find a bright, functional floor plan with generous living spaces designed for everyday living and entertaining. The open main living area flows naturally into the kitchen and dining spaces, while four true bedrooms provide plenty of flexibility for guests, a home office, playroom, fitness space, or whatever fits your lifestyle. An **UPDATED HVAC SYSTEM** adds another valuable improvement. Step outside to the large backyard overlooking conservation—plenty of room for entertaining, gardening, playing, or simply relaxing and enjoying the Florida lifestyle. And then there's **CONNERTON**. Residents enjoy resort-style pools, clubhouses, fitness facilities, pickleball and tennis courts, basketball courts, parks, playgrounds, dog parks, miles of walking and biking trails, fishing ponds, community activities, and more. Conveniently located near shopping, dining, recreation, major roadways, and the developing **Moffitt Speros campus near Ridge Road**, this home combines space, privacy, amenities, and an outstanding financing opportunity. **4 BEDROOMS • 2,245 SQ FT • CONSERVATION • NO REAR NEIGHBORS • CONNERTON • USDA 100% FINANCING** Don't assume you need thousands of dollars saved to become a homeowner. **You may be able to buy this home with ZERO MONEY OUT OF POCKET. Ask us how and schedule your private showing today!**
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,245
Sqft
0.17 ac
Lot size
2
Garage
2013
Year built
Two
Levels
$167
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.
$3,309 /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
$3,309/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
−10.2%
$/sqft vs Land O Lakes actives
$167 vs $201
Days on market
108 vs 53 typical
Where $167/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 34637 — neighborhood snapshot
Population
11,398
Median age
36.9
Median income
$114,328
Median home value
$385,700
Avg household
2.86
Households w/ children
1,491
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 → $412K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
257 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 4% below the LAND O LAKES 34637 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 21439 SOUTHERN CHARM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$495,000
21529 SOUTHERN CHARM DRIVE · same community
4 bd · 2.5 ba · 2,284 sqft · $217/sqft · 66 DOM
Sold · Sep ’26$660,000
8306 BLUEVINE SKY DRIVE · same community
3 bd · 2.5 ba · 2,408 sqft · $274/sqft · 134 DOM
Sold · Nov ’25$630,000
8449 BLUEVINE SKY DRIVE · same community
3 bd · 2.5 ba · 2,408 sqft · $262/sqft · 28 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 21439 SOUTHERN CHARM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21439 SOUTHERN CHARM 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
21439 SOUTHERN CHARM DRIVE FAQs
What would the monthly payment be for 21439 SOUTHERN CHARM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,309/mo — principal and interest, the actual property-tax bill, the $87/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 21439 SOUTHERN CHARM DRIVE?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21439 SOUTHERN CHARM DRIVE?+
The most recent tax bill on record (2025) was $8,335. 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 21439 SOUTHERN CHARM DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $374,000, this home is listed about 11% 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 21439 SOUTHERN CHARM 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.
The brief
Five things that matter here
01Under the LAND O LAKES 34637 market on paper
$374,000 is 4% below the LAND O LAKES 34637 median of $389,950, and at $167/sqft it sits under the Land O Lakes average of $221.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
108 days on market against a Land O Lakes median of 53 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Connerton Elementary School, Land O' Lakes High 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 $419,900, now $374,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRAINARD REALTY · Robert Zoller, Jr. MLS #TB8524379.
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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