20865 DRAKE ELM DRIVE, LAND O LAKES, FL, 34638
Active17 days on marketListed Sep 3, 2026MLS #TB8544179
About this home
20865 DRAKE ELM DRIVE
Welcome to this spacious 5-bedroom, 3-full-bath home offering 2,615 square feet of living space in the beautiful, well-maintained Whispering Pines gated community. Built in late 2023, this newer, move-in-ready home is a Talon model in excellent condition and offers the space, flexibility, and convenience today’s buyers are looking for. Built under modern Florida building codes, the home offers newer construction designed to meet current wind-resistance and hurricane-safety standards. One of its standout features is its prime location directly across from the community pool and clubhouse, just steps from the neighborhood’s main entrance, with the added privacy of no rear neighbors. Whispering Pines features two gated entrances and wonderful community amenities, including walking trails, a dog park, playground, swimming pool, and clubhouse. The clubhouse features comfortable seating areas, TVs, and grills, all overlooking the community’s beautiful central pond and pool. Inside, the bright, open-concept main living area connects the kitchen, dining area, and family room, creating an inviting layout for everyday living and entertaining. The kitchen features dark cabinetry, quartz countertops, stainless steel appliances, a pantry, and a large center island with seating. Sliding glass doors bring in abundant natural light and open to the covered lanai and fully fenced backyard, with gates on both sides of the house and no rear neighbors. Upstairs, a spacious loft provides valuable additional living space and can easily serve as a second family room, playroom, or home office. The primary suite features a large walk-in closet and private bathroom with dual sinks, a walk-in shower, and a large linen closet. Additional features include a 2-car garage, neutral finishes throughout, tile flooring downstairs, and beautifully maintained carpet upstairs. Conveniently located with easy access to shopping, dining, Tampa International Airport, and everything the Tampa Bay area has to offer. Come see everything this beautiful home and community have to offer!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,615
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$199
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.
$4,287 /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
$4,287/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
+5%
$/sqft vs Land O Lakes actives
$199 vs $205
Days on market
17 vs 43 typical
Where $199/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)
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 41% 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 20865 DRAKE ELM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$525,000
3938 MAPLE BAY LANE · same community
3 bd · 3 ba · 2,259 sqft · $232/sqft · 92 DOM
Sold · Sep ’25$665,000
3886 MAPLE BAY LANE · same community
5 bd · 4.5 ba · 3,416 sqft · $195/sqft · 3 DOM
Sold · Feb ’26$510,000
3549 IVY SPRINGS LANE
5 bd · 3 ba · 2,615 sqft · $195/sqft · 89 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20865 DRAKE ELM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20865 DRAKE ELM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20865 DRAKE ELM DRIVE FAQs
What would the monthly payment be for 20865 DRAKE ELM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,287/mo — principal and interest, the actual property-tax bill, the $137/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 20865 DRAKE ELM DRIVE?+
The association fee works out to $137 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20865 DRAKE ELM DRIVE?+
The most recent tax bill on record (2025) was $8,393. 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 20865 DRAKE ELM DRIVE?+
The listing reports pets: 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 $519,900, this home is listed about 24% 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 20865 DRAKE ELM 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 RE/MAX ACTION FIRST OF FLORIDA · Peter Gawienczuk. MLS #TB8544179.
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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