19800 SHIP WHEEL WAY, LAND O LAKES, FL, 34638
Active15 days on marketListed Sep 5, 2026MLS #TB8545696
About this home
19800 SHIP WHEEL WAY
Virtually Staged. This home offers the POSSIBILITY OF MULTI-GENERATIONAL LIVING. THIS IS NOT YOUR TYPICAL DEL WEBB HOME! If you're not ready to downsize, this exceptional residence offers the space, sophistication and flexibility you've been looking for! Even better, the HOA INCLUDES LAWN MAINTENANCE, INTERNET & CABLE, adding tremendous value and convenience to your Florida lifestyle. With 4 BEDROOMS, 3 FULL BATHS, a FLEX ROOM, SUNROOM a huge UPSTAIRS BONUS ROOM with an ADDITIONAL BEDROOM & FULL BATH, there is plenty of room for entertaining, visiting guests, extended family or even a live-in caregiver. And IF YOU LOVED HAVING A BASEMENT UP NORTH, YOU'LL LOVE this INCREDIBLE BONUS ROOM! Offering exceptional value on a beautiful LARGE POND with peaceful conservation views beyond, this impeccably maintained home provides privacy, tranquility and a spectacular backdrop. Gorgeous curb appeal and extended brick pavers lead to the inviting FRONT PORCH perfect for morning coffee, relaxing or visiting with neighbors while adding wonderful outdoor living space. Inside, thoughtful upgrades are evident throughout, including ENGINEERED HARDWOOD FLOORING, PLANTATION SHUTTERS, 5¼-inch baseboards, 8-foot interior and exterior doors and a decorative glass front door. The spacious great room features a convenient floor outlet, perfect for motorized recliners or lamps. The GOURMET KITCHEN is an entertainer's dream, featuring QUARTZ countertops, EXTENDED ISLAND, KITCHENAID APPLIANCES, WALL OVEN and microwave, GAS COOKTOP, UNDER-CABINET LIGHTING, pull-out shelving and walk-in pantry. The spacious PRIMARY SUITE includes a luxurious ENSUITE BATH with QUARTZ counters, DUAL SINKS, SUPER-SIZED WALK-IN SHOWER with RAINHEAD and large walk-in closet. The laundry room includes washer, dryer and cabinetry. The EXTENDED LANAI with BRICK PAVERS and roll-down privacy screens is the perfect place to relax and enjoy the pond and conservation views. The home is also pre-wired for a 60-amp pool/spa. For incredible peace of mind, this home features a WHOLE- HOUSE GENERAC GENERATOR, so whether you're traveling or spending the summer up North, you can leave knowing your home has backup power when you need it. The 2-car GARAGE is EXTENDED 4 FEET and features an epoxy floor, while an ATTIC pull-down ladder with PLYWOOD FLOORING provides additional storage. An 85-inch TV in the great room and 65-inch TV in the primary bedroom may also convey, or can be removed if preferred. Del Webb Bexley offers an incredible active 55+ lifestyle with a RESORT- STYLE POOL, swim lanes, resistance pool, 24-HOUR FITNESS center, PICKELBALL, TENNIS, BOCCE BALL, DOG PARK and CLUBHOUSE. Conveniently located near major roads, restaurants and shopping, with approximately a 30-MINUTE COMMUTE TO DOWNTOWN TAMPA AND TAMPA INTERNATIONAL AIRPORT. Whether you're a full-time resident or a snowbird ready to leave Northern winters behind, this rare Del Webb home proves you don't have to sacrifice space to enjoy the Florida lifestyle! Large pond lots, exceptional space and this level of care don't come along often. Come see it before someone else does!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,070
Sqft
0.18 ac
Lot size
2
Garage
2020
Year built
Two
Levels
$243
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.
$5,765 /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
$5,765/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
+32%
$/sqft vs Land O Lakes actives
$243 vs $205
Days on market
15 vs 43 typical
Where $243/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 Del Webb Bexley
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 →
Del Webb Bexley — neighborhood snapshot
Population
1,229
Median age
40
Median income
$127,978
Median home value
$488,100
Avg household
3
Households w/ children
173
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 101% 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 19800 SHIP WHEEL WAY
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$539,000
19652 SHIP WHEEL WAY · same community
3 bd · 2 ba · 2,062 sqft · $261/sqft · 236 DOM
Sold · Mar ’26$579,000
19494 SEA GLASS CIRCLE · same community
3 bd · 2 ba · 2,054 sqft · $282/sqft · 141 DOM
Sold · Jul ’26$510,000
18466 COASTAL SHORE TERRACE · same community
2 bd · 2 ba · 1,916 sqft · $266/sqft · 4 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19800 SHIP WHEEL WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19800 SHIP WHEEL WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19800 SHIP WHEEL WAY FAQs
What would the monthly payment be for 19800 SHIP WHEEL WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,765/mo — principal and interest, the actual property-tax bill, the $530/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 19800 SHIP WHEEL WAY?+
The association fee works out to $530 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19800 SHIP WHEEL WAY?+
The most recent tax bill on record (2025) was $9,310. 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 19800 SHIP WHEEL WAY?+
The listing reports pets: Cats OK, Dogs OK. 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 $745,000, this home is listed about 78% 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 19800 SHIP WHEEL WAY?+
Oakstead Elementary School (elementary), Charles S. Rushe Middle School (middle), Sunlake High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$745,000 runs 101% above the LAND O LAKES 34638 median — but at 3,070 sqft it's also 50% larger than the typical Land O Lakes listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $530/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Oakstead Elementary School, Charles S. Rushe Middle School, Sunlake High School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Cynthia Filippi. MLS #TB8545696.
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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