15731 CEDAR ELM TERRACE, LAND O LAKES, FL, 34638
Active27 days on marketListed Aug 24, 2026MLS #TB8540846
About this home
15731 CEDAR ELM TERRACE
I am pleased to share the details for a fantastic 4-bedroom, 3 bath, 2-story home located on a fenced cul-de-sac lot overlooking conservation and a small pond view. This spacious home features high ceilings, a flex space currently used as a home office, dining room and a kitchen equipped with wood cabinets, recessed lighting, a kitchen island, granite countertops, stainless steel appliances, kitchen window over the sink, a large walk-in pantry, and an eat-in nook positioned under bay windows with views of the oversized backyard. The family room features surround sound speakers, engineered bamboo wood flooring and opens directly to the kitchen along with sliding glass doors to the covered rear lanai, bringing in even more natural light. Additionally, there is a half bath on the main floor with an access door leading to the oversized backyard which is perfectly designed for outdoor entertaining and provides ample space to accommodate a future pool if desired. All 4 bedrooms are spacious and located upstairs with the nursery having Luxury Vinyl flooring. The master suite features a tray ceiling, bamboo engineered flooring, and a master bath with dual vanities, a large soaking tub, a separate shower, and 2 walk-in closets. Additional features include a new roof, a sprinkler system, garage door opener, rain gutters, ceiling fans that are Wi-Fi and remote controlled, keyless lock, door inside the garage leading to outside, garage keypad, ring camera, Wi-Fi sprinklers and interior Wi-Fi thermostat, fruit trees ( citrus, dragon fruit and guava ), 2 rain water collectors, curbing, motion lights, surround sound wired at back lanai, private mailbox, water softener and more. Located in the Suncoast Lakes Community, this property features NO CDD fees and a very low HOA fee of $275 per quarter. Community amenities include a pool, tennis and basketball courts, a playground, a picnic area, and a clubhouse available for event rentals. The location is also just minutes from the Suncoast Parkway and a stroll to the Suncoast Trails. Schedule your appointment today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,352
Sqft
0.18 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$170
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.
$3,108 /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
$3,108/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
+10.1%
$/sqft vs Land O Lakes actives
$170 vs $205
Days on market
27 vs 43 typical
Where $170/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 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 → $414K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
239 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 8% 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 15731 CEDAR ELM TERRACE
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$386,000
15925 POND RUSH COURT · same community
4 bd · 3 ba · 2,588 sqft · $149/sqft · 333 DOM
Sold · Jul ’26$360,000
15950 LEATHERLEAF LANE · same community
4 bd · 2 ba · 2,081 sqft · $173/sqft · 12 DOM
Sold · May ’26$365,000
15762 CEDAR ELM TERRACE · same community
3 bd · 2 ba · 1,973 sqft · $185/sqft · 245 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 15731 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 15731 CEDAR ELM TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15731 CEDAR ELM TERRACE FAQs
What would the monthly payment be for 15731 CEDAR ELM TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,108/mo — principal and interest, the actual property-tax bill, the $92/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 15731 CEDAR ELM TERRACE?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15731 CEDAR ELM TERRACE?+
The most recent tax bill on record (2025) was $3,972. 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 15731 CEDAR ELM TERRACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $399,000, this home is listed about 5% 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 15731 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Monique Holston-Greene, PA. MLS #TB8540846.
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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