20622 BROADWATER DRIVE, LAND O LAKES, FL, 34638
Active20 days on marketListed Sep 3, 2026MLS #TB8543277
Come see it
Upcoming open house
Sun, Sep 27
12:00 PM – 2:30 PM
Please contact listing agent, Megan Narkiewicz for gate access and to address any questions. 813-340-4118
About this home
20622 BROADWATER DRIVE
Arthur Rutenberg Pool Home with Paid-Off Solar, Executive Office & Private Backyard Oasis. Enjoy Florida living at its finest in this beautifully maintained Arthur Rutenberg home located in the Gated community of Pasco Sunset Lakes. Set behind mature landscaping for exceptional privacy, this 4-bedroom, 3-bath residence offers 3,314 square feet of thoughtfully designed living space, a dedicated executive office with custom built-ins, bonus/media room potential, and an outdoor retreat featuring a resort-style pool, spa, outdoor kitchen, and expansive lanai. One of the home's most valuable features is a fully paid-off 43-panel solar system, complemented by a new roof (2021), upgraded electrical panel (2024), water heater (2022), and dual HVAC systems (2025 and 2019), delivering peace of mind and long-term savings few homes can match. Inside, large-format ceramic tile flooring flows throughout the main living areas. The warm and inviting formal dining and living rooms provide immediate views of the outdoors. Designed with a desirable three-way split floor plan, the home provides ideal privacy and flexibility for families and guests alike. The oversized primary suite features two walk-in closets and an ensuite bathroom complete with an enclosed shower, soaking tub, dual vanities, and a private water closet. The second and third bedrooms are equal in size and share a stylish bathroom with floating cabinets and an expansive countertop. The fourth bedroom is perfectly suited as a guest room or flex space and is located next to another full bathroom that also provides direct access to the outdoor patio. The spacious office, located behind double entry doors at the front of the home, features beautiful display shelving and an oversized built-in desk perfect for homeschooling or work-from-home professionals. This room also includes a closet, so it could easily be used as a fifth bedroom if desired. This beautiful property features a fully refreshed kitchen at the heart of the home. It includes granite countertops, newly painted cabinets, stunning stacked stone backsplash, gas range, a KitchenAid built-in double oven (that also air fries) and microwave, GE dishwasher, and Samsung stainless refrigerator, all arranged in an open, airy layout, perfect for entertaining and family gatherings. The outdoor oasis was designed for year-round Florida living. The large, angled pool with spill over spa is surrounded by an expansive lanai within a private backyard. Pasco Sunset Lakes is a golf cart–friendly, gated community known for its pristine lakes, private boat ramp with 42-acre ski-lake access, playground, and peaceful setting—minutes from top-rated schools, shopping, dining, major highways, and the Veterans Expressway for easy access to Tampa, Clearwater, and the beaches. Rarely does a home combine this much space, flexibility, privacy, and long-term efficiency. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,314
Sqft
0.28 ac
Lot size
3
Garage
2007
Year built
One
Levels
$276
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.
$6,144 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,144/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−11.8%
$/sqft vs Land O Lakes actives
$276 vs $205
Days on market
20 vs 43 typical
Where $276/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.
The investor lens
Two ways this home pays
This home sits inside Sunset Lakes, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,395/mo median
Live Land O Lakes rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Sunset Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Sunset Lakes is a short-term-rental community. See the full 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)
241 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 150% 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 20622 BROADWATER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$930,000
21111 LAKE VIENNA DRIVE · same community
4 bd · 3 ba · 3,215 sqft · $289/sqft · 4 DOM
Sold · Sep ’25$925,000
3212 SUNSET LAKES BOULEVARD · same community
4 bd · 3 ba · 3,500 sqft · $264/sqft · 107 DOM
Sold · Sep ’26$940,000
21127 LAKE VIENNA DRIVE · same community
4 bd · 3.5 ba · 3,503 sqft · $268/sqft · 15 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
Moe Thouk Oo
Licensed Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 20622 BROADWATER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20622 BROADWATER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20622 BROADWATER DRIVE FAQs
What would the monthly payment be for 20622 BROADWATER DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,144/mo — principal and interest, the actual property-tax bill, the $108/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 20622 BROADWATER DRIVE?+
The association fee works out to $108 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20622 BROADWATER DRIVE?+
The most recent tax bill on record (2025) was $7,145. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 20622 BROADWATER DRIVE be rented short-term?+
Yes — this home sits inside Sunset Lakes, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 20622 BROADWATER DRIVE?+
The listing reports pets: Breed Restrictions. 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 $915,000, this home is listed about 118% above 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 20622 BROADWATER 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
01Positioned at the premium end
$915,000 runs 150% above the LAND O LAKES 34638 median — but at 3,314 sqft it's also 62% larger than the typical Land O Lakes listing.
02Zoned for nightly rentals
Sunset Lakes is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $935,000, now $915,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Megan Narkiewicz. MLS #TB8543277.
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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