20544 SEA GLASS CIRCLE, LAND O LAKES, FL, 34638
Active5 days on marketListed Sep 18, 2026MLS #TB8549788
About this home
20544 SEA GLASS CIRCLE
TWO-SIDED WATER VIEWS + AMAZING OUTDOOR LIVING in Del Webb Bexley! This beautifully appointed 2-bedroom plus office, 2-bath home offers the Florida lifestyle you've been waiting for - peaceful water views, seamless indoor-outdoor living, and an incredible screened lanai, all within the gated 55+ community of Del Webb Bexley. From the moment you enter, the home's open design draws your eye toward the beautiful water views. The living room features a 90 degree pocket slider, allowing the doors to disappear and creating an effortless transition to the extended screened lanai, automated blinds provide privacy when needed. Finished with pavers and featuring a hot tub, this outdoor retreat is ideal for morning coffee, entertaining friends, or relaxing at the end of the day while enjoying the tranquil setting. At the center of this bright open floor plan is the designer kitchen. Beautiful stone counters, white wood soft close cabinets with modern backsplash, a gas range with designer vent hood and a large island open to the living areas will impress both chefs and entertainers alike! The living room has been thoughtfully designed with built in surround sound system and an in floor electrical outlet for easy furniture placement. The primary bedroom features an en-suite bathroom with a zero-threshold shower for easy entry, dual vanity sinks with stone counters, a separate water closet and an enormous walk-in closet. The home is thoughtfully equipped with natural gas for the stove, water heater, and heating system, adding convenience and efficiency. The three-car tandem garage with epoxy flooring offers plenty of room for vehicles, a golf cart, storage, hobbies, or whatever your Florida lifestyle requires. Only a block away from the home is the vibrant community center, with an array of opportunities for fitness, recreation, clubs, social activities, a café, and community events—all designed to make it easy to stay active, meet neighbors, and enjoy your next chapter. Located in Land Of Lakes for easy access to popular beaches, airports, shopping and dining.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,916
Sqft
0.14 ac
Lot size
3
Garage
2021
Year built
One
Levels
$303
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.
$4,571 /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
$4,571/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
$303 vs $205
Days on market
5 vs 43 typical
Where $303/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)
242 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 58% 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 20544 SEA GLASS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$410,000
20419 SEA GLASS CIRCLE · same community
2 bd · 2 ba · 1,916 sqft · $214/sqft · 25 DOM
Sold · Oct ’25$535,000
20344 SEA GLASS CIRCLE · same community
2 bd · 2 ba · 1,889 sqft · $283/sqft · 55 DOM
Sold · Feb ’26$415,000
19664 SHIP WHEEL WAY · same community
2 bd · 2 ba · 1,970 sqft · $211/sqft · 227 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20544 SEA GLASS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20544 SEA GLASS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20544 SEA GLASS CIRCLE FAQs
What would the monthly payment be for 20544 SEA GLASS CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,571/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 20544 SEA GLASS CIRCLE?+
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 20544 SEA GLASS CIRCLE?+
The most recent tax bill on record (2025) was $6,410. 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 20544 SEA GLASS CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $580,000, this home is listed about 38% 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 20544 SEA GLASS CIRCLE?+
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
Five things that matter here
01Positioned at the premium end
$580,000 runs 58% above the LAND O LAKES 34638 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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.
04Fresh on the market
Only 5 days on market in a Land O Lakes market that averages 43 — if it fits, move quickly.
05Strong 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 LPT REALTY, LLC · Amy Soto. MLS #TB8549788.
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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