3128 ASHMONTE DRIVE, LAND O LAKES, FL, 34638
Active10 days on marketListed Sep 10, 2026MLS #TB8546487
About this home
3128 ASHMONTE DRIVE
Welcome to this beautifully updated and meticulously maintained single-family home in the sought-after master-planned community of Oakstead in Land O' Lakes. 2025 ROOF!!!! Offering just over 2,600 square feet of single-story living in a GATED subdivision, this impressive 4-bedroom, 3-bath pool home combines a spacious split floor plan with extensive 2025 improvements and a wonderful Florida outdoor living space. At the heart of the home is the beautifully remodeled kitchen featuring quartz countertops, Whirlpool stainless steel appliances, and a Moen MotionSense hands-free faucet. Porcelain tile flooring was installed throughout the entire home, including all bedrooms, closets, and pantry, complemented by new 5½-inch baseboards for a clean, cohesive finish. The interior was freshly painted throughout in 2025, including all rooms, closets, doors, and casings. The primary bathroom was completely refreshed with a desirable soaking tub, polished porcelain tile in the shower, a heavy-glass shower enclosure and door, quartz countertops, and Moen fixtures. Both the guest bathroom and convenient pool bath were also updated with quartz countertops and Moen fixtures. Step outside to your own private Florida retreat featuring a beautiful swimming pool and waterfall spa surrounded by a pavered lanai—an inviting setting for relaxing, entertaining, and enjoying the outdoors year-round. Additional improvements extend well beyond the cosmetic updates. Newer double pane windows and double pane sliding doors provide peace of mind. The exterior of the home was freshly painted, including the trim and front door. A Sentricon system for treatment of subterranean termites protects the exterior with a transferable warranty from Hughes Exterminators. The HVAC system received extensive air-duct supply and coil cleaning along with new supply lines, return, supply plenum, and return-air plenum. A HALO-LED Whole Home Air Purification System was also installed, adding another thoughtful enhancement to this exceptionally well-cared-for home. Oakstead offers an amenity-rich lifestyle with a community clubhouse, fitness center, resort-style pool with splash pad, tennis and basketball courts, playgrounds, and walking trails. Conveniently located just off State Road 54 near the Suncoast Parkway, this beautifully improved Land O' Lakes pool home offers the space, updates, amenities, and single-story living that make Florida living so appealing.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,613
Sqft
0.2 ac
Lot size
2
Garage
2003
Year built
One
Levels
$233
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.
$4,132 /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
$4,132/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
−6.2%
$/sqft vs Land O Lakes actives
$233 vs $205
Days on market
10 vs 43 typical
Where $233/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 65% 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 3128 ASHMONTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$582,000
3312 ASHMONTE DRIVE · same community
4 bd · 3 ba · 2,613 sqft · $223/sqft · 9 DOM
Sold · Dec ’25$553,000
3322 ASHMONTE DRIVE · same community
3 bd · 3 ba · 2,153 sqft · $257/sqft · 27 DOM
Sold · Jul ’26$815,000
3408 RUSSETT PLACE · same community
5 bd · 3 ba · 3,514 sqft · $232/sqft · 17 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3128 ASHMONTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3128 ASHMONTE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3128 ASHMONTE DRIVE FAQs
What would the monthly payment be for 3128 ASHMONTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,132/mo — principal and interest, the actual property-tax bill, the $6/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 3128 ASHMONTE DRIVE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3128 ASHMONTE DRIVE?+
The most recent tax bill on record (2025) was $5,356. 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 3128 ASHMONTE 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 $609,900, this home is listed about 45% 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 3128 ASHMONTE 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
Three things that matter here
01Positioned at the premium end
$609,900 runs 65% above the LAND O LAKES 34638 median — but at 2,613 sqft it's also 28% larger than the typical Land O Lakes listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY · Wendy Ross. MLS #TB8546487.
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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