
19420 SUNSET BAY DRIVE, LAND O LAKES, FL, 34638
Active26 days on marketListed Aug 28, 2026MLS #TB8543218
Come see it
Upcoming open house
Sat, Sep 26
11:00 AM – 2:00 PM
About this home
19420 SUNSET BAY DRIVE
Set behind the gates of Lakeshore Ranch, this 4-bedroom, 2-bath home offers a spacious, light-filled floor plan, an exceptional screened outdoor living area, and a fully fenced backyard distinguished by years of thoughtfully developed Florida-native landscaping. High ceilings enhance the sense of space throughout the main living areas, where the kitchen, dining area, and great room come together in an open layout designed for both everyday living and entertaining. The kitchen provides abundant cabinetry and workspace, a breakfast bar for casual seating, and natural gas cooking. The generously sized primary suite features a large walk-in closet and private bath with dual vanities, a soaking tub, and separate walk-in shower. Three additional bedrooms offer flexibility for family, guests, home offices, or hobby space. Outdoor living is a standout feature of the property. The oversized 30' x 10' screened patio creates a substantial extension of the home, with brick pavers added in 2024 and ample room for both dining and lounge areas. Beyond the patio, the fenced backyard reflects thoughtful landscaping that has been cultivated and expanded. Approximately 75% of the plantings are Florida-native, including a butterfly garden and pollinator-friendly selections that bring texture, color, and seasonal interest to the landscape. Characteristics include a NEW ROOF (2024), water softener (2025), water heater (2023), AC (2019), and exterior paint (2020). The property is also located in a NON-FLOOD ZONE. Lakeshore Ranch is known for an extensive collection of amenities centered around its 12,000+ sq. ft. clubhouse. Residents enjoy resort-style and children's pools, a heated 5-lane lap pool, fitness center, tennis and pickleball courts, basketball courts, playground, dog park, and dedicated spaces for gatherings, meetings, and remote work. Miles of walking trails extend through the community's conservation areas, while the lake provides opportunities for kayaking and fishing, along with a waterfront deck and outdoor amphitheater. A 24-hour staffed gate provides controlled access, and HOA fees of $300 per quarter include cable, high-speed internet, and trash service. Convenient to shopping, dining, medical facilities, and major commuter routes, this home combines comfortable everyday living, a distinctive outdoor setting, and the extensive amenities that make Lakeshore Ranch one of Land O' Lakes' most established gated communities.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,930
Sqft
0.18 ac
Lot size
2
Garage
2008
Year built
One
Levels
$218
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.
$3,419 /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
$3,419/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
+22.1%
$/sqft vs LAKESHORE RANCH PH I
$218 vs $217
Days on market
26 vs 43 typical
Where $218/sqft sits among the 12 homes for sale in LAKESHORE RANCH PH I
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)
8 of 12
LAKESHORE RANCH PH I have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% 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 19420 SUNSET BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$419,900
8531 MAY PORT COURT · same community
4 bd · 2 ba · 2,003 sqft · $210/sqft · 102 DOM
Sold · May ’26$533,500
19411 SUNSET BAY DRIVE · same community
4 bd · 2 ba · 2,047 sqft · $261/sqft · 20 DOM
Sold · Apr ’26$387,500
19341 SUNSET BAY DRIVE · same community
3 bd · 2 ba · 1,789 sqft · $217/sqft · 7 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
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 19420 SUNSET BAY DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19420 SUNSET BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19420 SUNSET BAY DRIVE FAQs
What would the monthly payment be for 19420 SUNSET BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,419/mo — principal and interest, the actual property-tax bill, the $100/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 19420 SUNSET BAY DRIVE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19420 SUNSET BAY DRIVE?+
The most recent tax bill on record (2025) was $6,007. 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 19420 SUNSET BAY DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $420,000, this home is priced right at the Land O Lakes median.
Which schools are assigned to 19420 SUNSET BAY 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.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED SHORE REAL ESTATE · Derek Golden Llc. MLS #TB8543218.
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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