23227 CLUB VILLAS DRIVE UNIT 38, LAND O LAKES, FL, 34639
Active2 days on marketListed Oct 16, 2026MLS #TB8551263
About this home
23227 CLUB VILLAS DRIVE UNIT 38
YOU MUST TAKE A LOOK AT THIS BEAUTIFUL CONDO PLUS GET $5,000 TOWARD CLOSING COSTS or RATE BUYDOWN!!! Welcome to maintenance free living!! This two bedroom, two bath single car attached garage condo in sought after Club Villas Condominiums is the perfect place to call home. A beautiful stone, wood burning, fireplace graces the large high ceilinged living room and dining room combination and overlooks a large eat-in kitchen that features plenty of cabinets and counter space. A small pantry adjoins the area or add doors on the end wall for a larger pantry. The master bedroom has an en-suite bathroom with double sinks, a walk-in shower, and a large walk-in closet. The second bedroom has a built-in closet and the hall bathroom with a tub shower is just outside the door. Expensive upgrades have been done with all of the windows and the storm door being replaced with storm impact glass. The newly replaced roofs (7/24) are paid by the association. With no outside maintenance, you will have plenty of time to enjoy the clubhouse, lounge, pool, basketball, tennis and racquet ball courts, plus shuffleboard courts. The quarter mile walking track and batting cages are great for exercise or stop in the exercise room on the lower level of the clubhouse and lift some weights! The family can also enjoy the playground, skateboard area or a drink and sandwich in the clubhouse restaurant! Driving to any of these amenities might not be necessary as they are all very close by. The Land O'Lakes area is also great for shopping, great restaurants, nearby beaches and easy access to airports as well as theme parks! Come and check out the perfect location to call home and RECEIVE $5,000 FROM SELLER TOWARD CLOSING COSTS OR RATE BUY DOWN!!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,192
Sqft
0.03 ac
Lot size
1
Garage
1989
Year built
One
Levels
$189
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.
$1,894 /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
$1,894/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.
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
+43.2%
$/sqft vs Land O Lakes actives
$189 vs $201
Days on market
2 vs 53 typical
Where $189/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 Lake Padgett Estates East
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 →
Lake Padgett Estates East — neighborhood snapshot
Population
1,884
Median age
39
Median income
$86,033
Median home value
$297,979
Avg household
2
Households w/ children
167
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 → $412K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
253 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 43% 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 23227 CLUB VILLAS DRIVE UNIT 38
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$225,000
23215 CLUB VILLAS DRIVE · same community
2 bd · 2 ba · 1,218 sqft · $185/sqft · 86 DOM
Sold · Sep ’26$291,000
3828 HOLLOW OAK PLACE
3 bd · 2 ba · 1,162 sqft · $250/sqft · 50 DOM
Sold · Mar ’26$315,000
22126 BREAKER POINT LANE
3 bd · 2 ba · 1,352 sqft · $233/sqft · 0 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 23227 CLUB VILLAS DRIVE UNIT 38 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23227 CLUB VILLAS DRIVE UNIT 38 — 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
23227 CLUB VILLAS DRIVE UNIT 38 FAQs
What would the monthly payment be for 23227 CLUB VILLAS DRIVE UNIT 38?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,894/mo — principal and interest, the actual property-tax bill, the $52/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 23227 CLUB VILLAS DRIVE UNIT 38?+
The association fee works out to $52 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23227 CLUB VILLAS DRIVE UNIT 38?+
The most recent tax bill on record (2025) was $3,093. 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 23227 CLUB VILLAS DRIVE UNIT 38?+
The listing reports pets: Breed Restrictions, 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 $225,000, this home is listed about 46% below the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 23227 CLUB VILLAS DRIVE UNIT 38?+
Pine View Elementary School (elementary), Pine View Middle School (middle), Land O' Lakes High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAND O LAKES 34639 market on paper
$225,000 is 43% below the LAND O LAKES 34639 median of $397,000, and at $189/sqft it sits under the Land O Lakes average of $221.
02Fresh on the market
Only 2 days on market in a Land O Lakes market that averages 53 — if it fits, move quickly.
03Strong assigned schools
Pine View Elementary School, Pine View Middle School, Land O' Lakes High School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ADVANTAGE REAL ESTATE SERVICES · Linda Ruhlig. MLS #TB8551263.
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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