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21865 Ocean Pines Dr, Land O Lakes, FL, 34639

3beds
2baths
2,005sqft
$469,900
$234price/sqft
$3,607/moest. monthly cost
$144,280/yrincome needed

About This Home

Ocean Pines Drive in Lake Padgett Estates is a community where everyday living includes access to lakes, parks, and recreational amenities, including private boat ramps, playgrounds, picnic areas, and horse boarding barns and stables. Set on a nearly quarter-acre lot, this home showcases inviting curb appeal with a manicured lawn, freshly mulched landscaping, decorative columns at the garage, and a welcoming portico entrance accented by a transom window and sidelights. Offering 3 bedrooms, 2 bathrooms, a 2-car garage, and 2,005 square feet of living space, the layout includes a window-enclosed, air-conditioned Florida room for year-round enjoyment. Inside, wide plank porcelain tile floors, high ceilings, recessed lighting, and an open-concept design create a bright and spacious feel. Just off the foyer is a formal dining area, while straight ahead the space flows seamlessly into the family room, highlighted by two sets of French doors opening to the Florida room. The kitchen, beautifully updated in 2023, features staggered wood cabinetry with crown molding, frosted glass door accents, tile backsplash, quartz countertops, a built-in pantry, and a center island with breakfast bar seating and pendant lighting. A sunlit café area with bay windows overlooks the Florida room, adding a warm and inviting space for everyday dining. The primary suite offers luxury wide plank vinyl flooring, a tray ceiling, French doors to the Florida room, and a hallway with two closets, including a walk-in. The ensuite bath showcases a double vanity with undermount sinks, a tiled shower, and a jetted tub that has never been used set under a window. Secondary bedrooms are generously sized with ample closet space and durable luxury vinyl flooring. The second bathroom, updated in 2023, features a quartz countertop, a custom vanity with built-in shelving, and a floor-to-ceiling tiled shower with a seamless glass enclosure and designer contrast detail. The Florida room is a standout feature, offering a bright, versatile space with tiled flooring and its own mini-split system—ideal for relaxing, entertaining, or enjoying year-round indoor-outdoor living in total comfort. Mechanicals and major updates provide peace of mind, including a new roof (2023), A/C system (2023), and mini-split (2023), all recently serviced in 2025. Additional improvements include new windows (2024), doors (2023), flooring (2023), gutters (2023), a fully updated kitchen (2023), and a renovated second bathroom (2023). The water treatment system was installed in 2022, the septic system was pumped in February 2025, and a new water heater was installed in 2025. Located in the highly desirable Lake Padgett Estates, this home includes access to private ski lakes—Lake Padgett, Lake Saxon, and East Lake, and boating/recreational Lake Joyce—all reserved exclusively for residents and their guests. Enjoy boating, water skiing, wakeboarding, jet skiing, and fishing, along with private lakefront parks, boat ramps, and picnic areas throughout the community, all with no HOA or CDD. Don’t miss the opportunity to enjoy space, upgrades, and lake-access living—schedule your private showing today.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
7/10
7/10
Sunlake High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Water Softener
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 134.47
  • Dimensions: 11.3x11.9

Bedroom3

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 134.55
  • Dimensions: 11.7x11.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 145.59
  • Dimensions: 21.1x6.9

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Living Room/Dining Room Combo,Open Floorplan,Solid Surface Counters,Solid Wood Cabinets,Split Bedroom,Tray Ceiling(s),Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Carpet,Luxury Vinyl,Porcelain Tile

Florida Room

  • Level: First
  • Area: 401.72
  • Dimensions: 33.2x12.1

Heating & Cooling

  • Heating features: Central,Electric,Wall Units / Window Unit
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,385
  • Total interior livable area: 2,005 sqft

Kitchen

  • Level: First
  • Area: 259.55
  • Dimensions: 14.5x17.9

Living Room

  • Level: First
  • Area: 255.5321
  • Dimensions: 14.11x18.11

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 214.23
  • Dimensions: 11.1x19.3

Property

Details

  • Parcel number: 242618006000000B030
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Rain Gutters
  • Fencing: Other
  • Waterfront features: Lake,Lake Privileges,Skiing Allowed
  • Waterbody name: LAKE PADGETT, LAKE SAXON
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 10,000 sqft
  • Features: In County

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Tornado
Lightning
Tsunami

FEMA Declared Disasters in Pasco County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,376$28,512
Home Insurance *$297$3,564
Property Taxes $733$8,796
Electricity $201$2,421
Total$3,607$43,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,668/yr
40% on housing$108,210/yr
45% on housing$96,186/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 34639$196
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 34639$212
Pasco County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-11Price change$469,900
2026-04-10Listed for sale$479,900
2025-11-03Listing removed$479,000
2025-10-30Price change$479,000
2025-09-19Price change$495,900
2025-08-18Listed for sale$518,900
2022-12-20Sold$359,000
2022-12-01Pending sale$359,000
2022-11-28Price change$359,000
2022-11-24Listed for sale$369,000
2022-11-18Pending sale$369,000
2022-11-08Price change$369,000
2022-11-01Price change$379,000
2022-10-19Price change$389,000
2022-10-06Price change$399,000
2022-09-30Listed for sale$425,000
2005-10-03Sold$230,900
2003-10-22Sold$160,900
1996-09-30Sold$13,400

For Sale by Agent

AgentJennifer Dobbs, MIHARA & ASSOCIATES INC.
BrokerageMIHARA & ASSOCIATES INC.

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