22953 BAY CEDAR DRIVE, LAND O LAKES, FL, 34639
Active14 days on marketListed Sep 9, 2026MLS #TB8546457
About this home
22953 BAY CEDAR DRIVE
Virtually Staged. Welcome to This Exceptional Waterfront Pool Home Located Within the Highly Sought-After Gated Community of Valencia Gardens. Perfectly Positioned on a Nearly Quarter-Acre Homesite in a Non-Flood Zone, This Beautifully Maintained Residence Offers a 3-Car Garage & 2,625 Square Feet of Thoughtfully Designed Living Space With 4 Bedrooms, 3 Full Bathrooms, an Oversized Upstairs Bonus Room That Could Easily Serve as a Fifth Bedroom. From the Moment You Arrive, the Freshly Painted Exterior, Mature Landscaping, & Inviting Curb Appeal Set the Tone for What Awaits Inside. Soaring 10-Foot Ceilings & a Desirable Three-Way Split Floor Plan Create an Open, Comfortable Layout Ideal for Both Everyday Living & Entertaining. Formal Living & Dining Areas Provide Flexible Space, While the Expansive Family Room Opens Seamlessly to the Outdoor Living Area Through Triple Sliding Glass Doors. The Heart of the Home Is the Newly Renovated Kitchen, Showcasing New Beautiful Shaker-Style Cabinetry & Elegant Quartz Countertops plus Stainless Steel Appliances a Breakfast Bar, & a Casual Dining Area Overlooking the Family Room & Sparkling Pool. The Private Primary Suite Is a True Retreat, Complete With Tray Ceilings, New Luxury Vinyl Flooring, Dual Walk-In Closets, & Direct Access to the Lanai. The Spacious Primary Bathroom Has Been Refreshed With New Dual Vanities & Also Features a Large Walk-In Shower & Relaxing Garden Tub. Three Additional Bedrooms Are Located on the First Floor, Including a Private Guest Suite With Adjacent Full Pool Bath. Upstairs, the Oversized Bonus Room With Closet Offers Endless Possibilities as a Media Room, Game Room, or Optional Fifth Bedroom, Along With an Additional Finished Storage Room/Shown as a Great Home office Space. Outdoor Living Is Simply Spectacular. The Enormous Wrap Around Paver Lanai Surrounds a Heated Saltwater Pool, Creating the Perfect Setting to Relax While Enjoying Tranquil Waterfront Views & Breathtaking Sunsets. A Fully Fenced Side Yard Provides an Excellent Space for Pets or Play. Additional Highlights Include New Luxury Vinyl Flooring Throughout the Downstairs Secondary Bedrooms, New Upstairs Carpeting, Hurricane Shutters, Water Softener & Abundant Garage Storage. Enjoy Gated Security & Convenient Access to the Nearby 80-Acre Land O' Lakes Recreation Complex, Featuring Athletic Fields, Tennis & Basketball Courts, Dog Park, Playgrounds, Fishing Pier, Walking Areas, & Numerous Recreational Amenities. This Move-In-Ready Waterfront Home Offers the Perfect Combination of Modern Updates, Functional Living Space, & an Unbeatable Florida Lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,625
Sqft
0.24 ac
Lot size
3
Garage
2000
Year built
Two
Levels
$247
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.
$4,360 /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
$4,360/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
−0.3%
$/sqft vs Land O Lakes actives
$247 vs $204
Days on market
14 vs 43 typical
Where $247/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 34639 — neighborhood snapshot
Population
31,118
Median age
40.8
Median income
$99,959
Median home value
$361,100
Avg household
2.92
Households w/ children
3,955
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)
244 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 71% above the LAND O LAKES 34639 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 22953 BAY CEDAR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$595,000
22953 BAY CEDAR DRIVE · same community
4 bd · 3 ba · 2,625 sqft · $227/sqft · 3 DOM
Sold · Aug ’26$620,000
1739 LEICHESTER COURT
4 bd · 3 ba · 2,365 sqft · $262/sqft · 4 DOM
Sold · Mar ’26$616,000
2961 CALVANO DRIVE
4 bd · 3 ba · 2,893 sqft · $213/sqft · 74 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 22953 BAY CEDAR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22953 BAY CEDAR 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
22953 BAY CEDAR DRIVE FAQs
What would the monthly payment be for 22953 BAY CEDAR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,360/mo — principal and interest, the actual property-tax bill, the $63/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 22953 BAY CEDAR DRIVE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22953 BAY CEDAR DRIVE?+
The most recent tax bill on record (2025) was $4,700. 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 22953 BAY CEDAR 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 $649,000, this home is listed about 55% 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 22953 BAY CEDAR DRIVE?+
Denham Oaks Elementary School (elementary), Wiregrass Ranch High School (high), Dr. John Long Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$649,000 runs 71% above the LAND O LAKES 34639 median — but at 2,625 sqft it's also 28% larger than the typical Land O Lakes listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Denham Oaks Elementary School, Wiregrass Ranch High School, Dr. John Long Middle School — Wiregrass Ranch High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Warren Ring. MLS #TB8546457.
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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