3125 ASHMONTE DRIVE, LAND O LAKES, FL, 34638
Active4 days on marketListed Sep 16, 2026MLS #W7889475
About this home
3125 ASHMONTE DRIVE
Enjoy peaceful pond and conservation views from this beautifully maintained 4-bedroom, 4-bath pool home offering 3,095 square feet, a 3-car garage, and a private upstairs suite/bonus room in the highly desirable gated section of Oakstead. Ideally situated near a cul-de-sac, this home is perfect for enjoying Florida living, whether you’re sipping your morning coffee by the pool, watching deer and birds along the pond, or entertaining family and friends on the spacious screened lanai. Inside, the gourmet kitchen features upgraded granite countertops, 42-inch maple cabinetry with molding, a center island, breakfast bar, breakfast nook, closet pantry, recessed lighting, and premium appliances. The main living area and kitchen feature 16-inch ceramic tile, while the spacious primary suite offers a relaxing retreat with a garden tub, separate shower, walk-in closet, and dual vanities. Step outside to your private pool area featuring a stone waterfall spa and tranquil water views. Major updates include a roof replaced in 2019, upstairs AC in 2020, main AC in 2025, water heater in 2024, water softener in 2026, and most pool equipment replaced within the last two years, with the pool heater replaced in 2019. The home also features reclaimed-water irrigation and gas connections for the stove and outdoor grill. Oakstead residents enjoy a community pool, fitness center, tennis courts, park, and recreational facilities, all conveniently located near major roadways, shopping, dining, and everything the area has to offer. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,095
Sqft
0.18 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$239
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.
$5,009 /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
$5,009/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
+13.5%
$/sqft vs Land O Lakes actives
$239 vs $205
Days on market
4 vs 43 typical
Where $239/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 100% 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 3125 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 · Jul ’26$815,000
3408 RUSSETT PLACE · same community
5 bd · 3 ba · 3,514 sqft · $232/sqft · 17 DOM
Sold · Nov ’25$582,000
3312 ASHMONTE DRIVE · same community
4 bd · 3 ba · 2,613 sqft · $223/sqft · 9 DOM
Sold · Mar ’26$653,275
3243 ASHMONTE DRIVE · same community
5 bd · 3 ba · 3,760 sqft · $174/sqft · 278 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 3125 ASHMONTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3125 ASHMONTE 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
3125 ASHMONTE DRIVE FAQs
What would the monthly payment be for 3125 ASHMONTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,009/mo — principal and interest, the actual property-tax bill, the $5/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 3125 ASHMONTE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3125 ASHMONTE DRIVE?+
The most recent tax bill on record (2025) was $6,894. 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 3125 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 $739,900, this home is listed about 76% 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 3125 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
Four things that matter here
01Positioned at the premium end
$739,900 runs 100% above the LAND O LAKES 34638 median — but at 3,095 sqft it's also 51% larger than the typical Land O Lakes listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Land O Lakes market that averages 43 — if it fits, move quickly.
04Strong 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 BHHS FLORIDA PROPERTIES GROUP · Jim Steele, Pa. MLS #W7889475.
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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