
19604 TIMBERBLUFF DRIVE, LAND O LAKES, FL, 34638
Active26 days on marketListed Aug 28, 2026MLS #TB8541373
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Sat, Sep 26
11:00 AM – 2:00 PM
Market Price Correction. Come see this beautiful pond-view home with low HOA and no CDD.
Sun, Sep 27
11:00 AM – 2:00 PM
Market Price Correction. Come see this beautiful pond-view home with low HOA and no CDD.
About this home
19604 TIMBERBLUFF DRIVE
Virtually Staged. Market Correction. Welcome to 19604 Timberbluff Dr in Land O’ Lakes, a spacious 3-bedroom, 2.5-bath home with 2,091 square feet, a 2-car garage, and peaceful pond and conservation views. Set on a fenced lot in Tierra Del Sol, this two-story home gives you room to spread out inside and enjoy nature out back. Step inside to an open main living area with crown molding, a large family room, dining space, and a roomy kitchen with solid wood cabinets, a breakfast bar, and plenty of space to cook and gather. The walk-in pantry and laundry area near the garage add extra storage and make daily life easy. A half bath is also located on the first floor for guests. Upstairs, all three bedrooms are tucked away for added privacy, along with two full baths and a flexible loft that can be used as a home office, playroom, study area, game room, or cozy second living space. The primary bedroom is generous in size and includes a walk-in closet, while the secondary bedrooms offer good closet space as well. Outside, the covered and screened patio is a great place to relax, enjoy a meal, or take in the quiet pond and conservation setting. The fenced backyard adds space for pets, play, or simple outdoor fun, and the irrigation system helps keep the yard cared for. The backyard looks toward the water and wooded conservation area, giving the home a more private feel with no rear neighbor directly behind the view. Other features include central air, ceiling fans, sliding doors, a security system, driveway parking, garage door opener, and garage storage. The kitchen opens to the dining and living areas, helping the first floor feel connected and easy to use for both quiet nights and time with friends. With sidewalks, paved streets, pond views, and a location in an established community, this home brings together space, comfort, storage, and a calm outdoor setting. Come see how easily this home can fit your everyday life and give you room to make it your own.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,091
Sqft
0.12 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$165
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.
$2,688 /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
$2,688/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
−1.8%
$/sqft vs Land O Lakes actives
$165 vs $205
Days on market
26 vs 43 typical
Where $165/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 → $414K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
243 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 6% below 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 19604 TIMBERBLUFF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$331,000
19726 TIMBERBLUFF DRIVE · same community
3 bd · 2.5 ba · 2,091 sqft · $158/sqft · 41 DOM
Sold · May ’26$356,500
9317 WELLSTONE DRIVE · same community
3 bd · 2.5 ba · 2,091 sqft · $170/sqft · 0 DOM
Sold · Jul ’26$360,000
9314 BLACK THORN LOOP · same community
4 bd · 3 ba · 2,140 sqft · $168/sqft · 310 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 19604 TIMBERBLUFF DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19604 TIMBERBLUFF DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19604 TIMBERBLUFF DRIVE FAQs
What would the monthly payment be for 19604 TIMBERBLUFF DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,688/mo — principal and interest, the actual property-tax bill, the $50/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 19604 TIMBERBLUFF DRIVE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19604 TIMBERBLUFF DRIVE?+
The most recent tax bill on record (2025) was $3,607. 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 19604 TIMBERBLUFF DRIVE?+
The listing reports pets: Size 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 $344,070, this home is listed about 18% 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 19604 TIMBERBLUFF 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
Three things that matter here
01Under the LAND O LAKES 34638 market on paper
$344,070 is 6% below the LAND O LAKES 34638 median of $366,495, and at $165/sqft it sits under the Land O Lakes average of $218.
02Strong 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.
03The price has already moved
Listed at $361,618, now $344,070 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Juan Castro Jr PA. MLS #TB8541373.
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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