KARLOTTA LANE, LAND O LAKES, FL, 34639
Active11 days on marketListed Sep 12, 2026MLS #TB8548132
About this home
KARLOTTA LANE
THE ULTIMATE BLANK CANVAS: 2.43 ACRES OF EQUESTRIAN FREEDOM! Welcome to Karlotta Lane! Tucked away at the end of a private road, this stunning 2.43-acre flat, cleared lot is the exact property you have been waiting for to build your luxury custom estate or private equestrian compound. THE LAND & THE LAKE Boasting ownership of a portion of a serene, private pond, this gorgeous parcel offers picturesque water views and a tranquil, natural setting. Zoned AR (Agricultural-Residential) with absolutely NO HOA, NO CDD, and NO DEED RESTRICTIONS, you have total freedom to bring your horses, park your RV, and design your perfect rural retreat. THE ULTIMATE HEAD START While the land is a completely blank slate with no utilities currently connected (and no impact fees paid), it features one massive, highly valuable upgrade: a beautifully constructed, sturdy existing barn! This gives you a massive head start on your equestrian dream. Because the infrastructure isn't entrenched yet, you aren't forced to build around 40-year-old septic lines or a poorly placed well. You have absolute freedom to position your dream home, your paddocks, and your guest house exactly where the topography suits you best. THE PORTFOLIO BUNDLE OPPORTUNITY ?? Looking to build a massive multi-generational compound or supercharge your investment portfolio? This property can be purchased individually or seamlessly bundled with three neighboring properties from the same estate just down the street: 8000 Belcher Lane, 8010 Belcher Lane, and 8030 Belcher Lane! Pristine, 2+ acre lots with water features and existing barns are incredibly rare in Land O' Lakes. Stop compromising and start building—schedule your private land tour today!
Facts & features
The home at a glance
2.43 ac
Lot size
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 — not generic estimates.
$1,883 /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
$1,883/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.
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)
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below 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 KARLOTTA LANE
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$160,000
5627 INDIANA DRIVE · same community
2 bd · 1 ba · 844 sqft · $190/sqft · 118 DOM
Sold · Jan ’26$450,000
740 STONER ROAD · same community
3 bd · 1 ba · 850 sqft · $529/sqft · 5 DOM
Sold · Dec ’25$116,000
5131 W 11TH STREET W · same community
2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about KARLOTTA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for KARLOTTA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
KARLOTTA LANE FAQs
What would the monthly payment be for KARLOTTA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,883/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on KARLOTTA LANE?+
The most recent tax bill on record (2025) was $176. 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 KARLOTTA LANE?+
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 $269,900, this home is listed about 36% 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 KARLOTTA LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER PICKETT FENCES REALTY · Edna Goldberg. MLS #TB8548132.
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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