CENTURY 21 Edge
$330,000$340,0003 bd2.5 ba1,862 sqft$177 /sqft$2,728 /mo all-in ↓

18941 SUNTERRA DRIVE, LAND O LAKES, FL, 34638

Active18 days on marketListed Sep 4, 2026MLS #TB8545597

Priced 10% below the LAND O LAKES 34638 medianReduced $10KSingle Family ResidenceTIERRA DEL SOL PH 2

About this home

18941 SUNTERRA DRIVE

PRICE IMPROVEMENT! PRICED TO SALE !Welcome to Sawgrass at Tierra Del Sol, a welcoming Land O’ Lakes community with no CDD fees and zoning for highly rated schools. This home also offers the incredible opportunity to assume an existing mortgage with a 3.5% interest rate, subject to lender approval and buyer qualification. Sidewalks wind throughout the neighborhood, leading you to this beautifully maintained 3 bedroom, 2 and a half bathroom home offering nearly 1,900 square feet of comfortable living space with peaceful pond and tree lined views. The freshly painted exterior completed in 2026 creates an inviting first impression. Stepping inside, the open layout offers plenty of room for everyday living and entertaining. The kitchen features stainless steel appliances, ample cabinetry and generous barstool seating, while a half bathroom on the first floor provides added convenience for guests. Make your way upstairs, where all three bedrooms are located along with a versatile loft that can serve as a media room, playroom, home office or additional living area. Double doors open to the oversized owner’s suite, complete with a large walk in closet and an ensuite bathroom. Both secondary bedrooms are generously sized with a full bathroom nearby. An indoor laundry room adds even more convenience to the thoughtfully designed floorplan. Step outside to the vinyl fenced backyard, where a charming white picket fence along the rear preserves the peaceful views of the pond and surrounding trees. Additional updates include a new roof installed in 2025 with a transferable warranty, a new water heater installed in 2026 with an applicable warranty and a new garage door system. Tierra Del Sol features wide sidewalks, scenic lakes, green spaces and a neighborhood park that hosts regular community events, including popular Friday night food trucks. Bike friendly streets and open recreation areas create an inviting atmosphere with a true sense of neighborhood pride. The home is within walking distance of Dayspring Academy and the Angeline Academy Athletic Complex, with Connerton Elementary and Land O’ Lakes High School just a short drive away. Located in one of Pasco County’s fastest growing areas, the property is less than 10 miles from the Moffitt Cancer Center Speros campus. The Ridge Road Extension will further improve access to US 41 and Sunlake Boulevard while adding new multiuse trails. With no CDD fees and an HOA of just $50 per month, this community offers an affordable lifestyle in a convenient location. Quick access to the Veterans Expressway and Interstate 75 makes commuting throughout the Tampa Bay area easy, while nearby shopping, dining and everyday conveniences are just minutes away. Schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,862

Sqft

0.26 ac

Lot size

2

Garage

2007

Year built

Two

Levels

$177

Per sqft

Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Electric Water Heater · Range · Refrigerator
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame
FoundationSlab
ViewWater
FacesSouthwest
ExteriorLighting · Sidewalk

Community & fees

HOA fee$50/mo
Taxes (2025)$5,156/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Public · Water Connected
WaterPublic

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.

$2,728 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,943
FHA mortgage insurance (est.)$146
Property tax — 2025 actual bill$430
HOA fee — from the listing$50
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,550Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,550
Interest rate6.00%
Loan term

Estimated payment

$2,728/mo

Principal & interest$1,943
FHA mortgage insurance (est.)$146
Property taxes (actual bill)$430
HOA / condo fee$50
Est. insurance$160

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.

List $330K
$273KedgeAI estimate $306,779 · range $284K$332K$345K

vs edgeAI estimate

+7.6%

$/sqft vs Land O Lakes actives

$177 vs $205

Days on market

18 vs 43 typical

Where $177/sqft sits among the 400 Land O Lakes actives

122 · this home
136
75
34
7
26
$153–186$186–219$219–252$252–284$284–317$317+

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

Downtown Tampa41 min
Tampa Int’l Airport (TPA)44 min

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

ElementaryConnerton Elementary School★★★★★
HighLand O' Lakes High School★★★★
MiddlePine View Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Land O Lakes market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s 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 10% below the LAND O LAKES 34638 median. See the full Land O Lakes market guide →

Paper trail

This home's history

CurrentPrice reduced to $330,000 $10K
Sep 4, 2026Listed at $340,000 · 18 days on market since
2007Built · TIERRA DEL SOL PH 2

Reality check

What actually sold near 18941 SUNTERRA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

18933 SUNTERRA DRIVESold · Oct ’25

$345,000

18933 SUNTERRA DRIVE · same community

3 bd · 2.5 ba · 2,112 sqft · $163/sqft · 412 DOM

9221 LOST MILL DRIVESold · Aug ’26

$387,500

9221 LOST MILL DRIVE · same community

3 bd · 2.5 ba · 2,692 sqft · $144/sqft · 26 DOM

9107 GABLEWOOD PLACESold · Oct ’25

$392,000

9107 GABLEWOOD PLACE

3 bd · 2.5 ba · 1,862 sqft · $211/sqft · 125 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.

Arlinda Gokyar

Your agent

Arlinda Gokyar

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 18941 SUNTERRA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18941 SUNTERRA DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

18941 SUNTERRA DRIVE FAQs

What would the monthly payment be for 18941 SUNTERRA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,728/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 18941 SUNTERRA 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 18941 SUNTERRA DRIVE?+

The most recent tax bill on record (2025) was $5,156. 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 18941 SUNTERRA 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 $330,000, this home is listed about 21% 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 18941 SUNTERRA 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

Four things that matter here

01Under the LAND O LAKES 34638 market on paper

$330,000 is 10% below the LAND O LAKES 34638 median of $367,563, and at $177/sqft it sits under the Land O Lakes average of $218.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Strong 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.

04The price has already moved

Listed at $340,000, now $330,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of KINSFOLK SIGNATURE REALTY, LLC · Manouchka Kuzmicki. MLS #TB8545597.

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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