18801 SUNTERRA DRIVE, LAND O LAKES, FL, 34638
Active2 days on marketListed Oct 16, 2026MLS #TB8558313
About this home
18801 SUNTERRA DRIVE
Welcome Home! This impressive two-story home offers 4 bedrooms, 3 full bathrooms, a versatile upstairs bonus room, and a thoughtfully designed floor plan with room for everyone and everything! From the moment you step inside, you'll appreciate the expansive, open-concept design that makes this home as functional as it is inviting. At the heart of the home is a huge kitchen featuring an oversized island with breakfast bar seating, abundant workspace, and plenty of room for gathering. Whether you're hosting holiday celebrations, entertaining friends, or enjoying a casual evening at home, this kitchen is ready for it all! The generously sized dining room offers even more space to bring everyone together, making this home an entertainer's dream. A downstairs bedroom and full bathroom provide wonderful flexibility for overnight guests, multigenerational living, or a private home office. Upstairs, prepare to be impressed by the enormous primary suite, a true retreat featuring a walk-in closet so spacious it rivals the size of some bedrooms! The primary bathroom offers a spa-inspired escape with a relaxing soaking tub, separate shower, and dual-sink vanity. The upstairs loft adds yet another dimension to this home's versatility. Imagine a fabulous media room, game room, playroom, home office, or cozy second living area. The possibilities are endless! An oversized upstairs laundry room, two additional bedrooms, and abundant storage throughout the home make everyday living that much easier. Of course, Florida living is all about enjoying the outdoors, and this home delivers! Step outside to your private pool and screened lanai, where you can unwind, entertain, or simply enjoy the peaceful pond views. Imagine morning coffee overlooking the water, afternoons spent poolside, and evenings enjoying the beautiful Florida weather. With a pond offering opportunities for fishing, there's something special to enjoy right in your own backyard! This home has been thoughtfully maintained and updated, including a roof replaced in 2022, dishwasher replaced in 2022, updated washer and dryer in 2021, upgraded A/C system and carpet in 2021, updated primary bathroom flooring and toilet in 2024, security system added in 2024, and refreshed landscaping and enhanced curb appeal in 2026. Located in Tierra Del Sol, residents enjoy scenic lakes, green spaces, and a neighborhood park that hosts regular community events, including popular Friday night food trucks. All this comes with very low HOA fees and NO CDD fees. Convenient access to the Veterans Expressway and Interstate 75 makes commuting throughout the Tampa Bay area easy. If you're looking for a spacious pool home with beautiful water and conservation views, privacy, a flexible floor plan, and numerous updates, this Tierra Del Sol home offers an exceptional opportunity.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,652
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$168
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.
$3,511 /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
$3,511/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
−10.4%
$/sqft vs Land O Lakes actives
$168 vs $201
Days on market
2 vs 53 typical
Where $168/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 → $412K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
258 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 27% 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 18801 SUNTERRA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$395,000
9225 SEEGER LANE · same community
4 bd · 2.5 ba · 2,213 sqft · $178/sqft · 35 DOM
Sold · Nov ’25$490,000
19028 NARIMORE DRIVE · same community
5 bd · 3 ba · 3,412 sqft · $144/sqft · 111 DOM
Sold · Jan ’26$349,000
18930 NARIMORE DRIVE · same community
4 bd · 2 ba · 1,805 sqft · $193/sqft · 6 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 18801 SUNTERRA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18801 SUNTERRA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18801 SUNTERRA DRIVE FAQs
What would the monthly payment be for 18801 SUNTERRA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,511/mo — principal and interest, the actual property-tax bill, the $50/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 18801 SUNTERRA DRIVE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18801 SUNTERRA DRIVE?+
The most recent tax bill on record (2025) was $5,813. 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 18801 SUNTERRA 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 $445,000, this home is listed about 6% above 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 18801 SUNTERRA DRIVE?+
Land O' Lakes High School (high), Connerton Elementary School (elementary), Pine View Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$445,000 runs 27% above the LAND O LAKES 34638 median — but at 2,652 sqft it's also 30% 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.
03Fresh on the market
Only 2 days on market in a Land O Lakes market that averages 53 — if it fits, move quickly.
04Strong assigned schools
Land O' Lakes High School, Connerton Elementary 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 KELLER WILLIAMS SUBURBAN TAMPA · Daniel Henzler. MLS #TB8558313.
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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