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3651 GREATWOOD COURT, Land O Lakes, FL, 34639

4beds
2baths
1,850sqft
$440,000
$238price/sqft
$3,405/moest. monthly cost
$136,200/yrincome needed

About This Home

Welcome to Lake Padgett Estates — a place where life slows down and every day feels like you're on vacation. Tucked away on a quiet cul-de-sac, this fully renovated 4-bedroom, 2-bath home blends comfort, style, and laid-back Florida living on a spacious quarter-acre-plus lot. Best of all, there's no HOA, no flood insurance required, and plenty of room for RV and boat parking. Offering approximately 1,850 square feet, this home features a desirable split floor plan designed for both privacy and functionality. The true primary suite serves as a private retreat, complete with a beautifully renovated ensuite bathroom featuring dual his-and-hers vanities and an oversized walk-in closet. On the opposite side of the home, you'll find three spacious guest bedrooms and a beautifully updated guest bathroom. At the heart of the home is the stunning designer kitchen, showcasing two-tone soft-close wood cabinetry, elegant gold accents, gorgeous quartz countertops, bar seating, and new stainless steel appliances. The spacious living and dining areas create the perfect setting for everyday living and entertaining. French doors lead to a large enclosed patio, offering additional living space and a seamless transition to the private backyard. An oversized two-car garage provides plenty of room for vehicles, storage, and recreational equipment. For added peace of mind, the home features a 2019 roof and a 2024 AC system. Step outside to enjoy the covered patio and backyard oasis — the perfect spot for morning coffee before hitting the lake or evening cookouts after a day on the water. Lake Padgett Estates spans roughly 775 acres and connects approximately a dozen unique neighborhoods that share a passion for waterfront living. Residents enjoy access to four private lakes, three of which are ski-sized, along with five lakefront parks featuring boat ramps, picnic pavilions, grills, playgrounds, basketball courts, tennis courts, pickleball courts, and community horse stables. For water enthusiasts, Lake Padgett — approximately 200 acres — is the heart of it all. Cruise across to Tiki Cove, a favorite local gathering spot with live music, lakeside events, and waterfront fun, or boat over to Hungry Harry's BBQ, a Land O' Lakes landmark serving award-winning barbecue for more than 40 years. On any given day, you may see a seaplane glide in for lunch or families enjoying the sunshine and an impromptu show on the water. Throughout the year, the Lake Padgett Civic Association brings neighbors together through beloved traditions such as the Christmas Boat Parade, Golf Cart Christmas Parade, and the ever-popular Witches Paddle on Halloween. Whether you're boating, water skiing, paddleboarding, jet skiing, or simply enjoying the sunset, this home offers the coveted Lake Padgett lifestyle without the premium price tag of direct lakefront ownership. Here, neighbors wave from their boats, the water is always calling, and life simply feels right.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

6/10
7/10
7/10
Sunlake High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1977

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Split Bedroom,Thermostat,Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,910
  • Total interior livable area: 1,850 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 192619027.0000.00701.0
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Private Mailbox,Private Yard

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 2
  • Parking features: Boat,Driveway,Golf Cart Parking,Off Street,On Street,Open,Oversized,RV Access/Parking
  • 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 $2,224$26,688
Home Insurance *$278$3,336
Property Taxes $706$8,472
Electricity $197$2,366
Total$3,405$40,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,742/yr
40% on housing$102,150/yr
45% on housing$90,800/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

$238This 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)

Price History

DateEventPrice
2026-08-04Price change$435,000
2026-07-22Price change$440,000
2026-07-06Price change$444,000
2026-07-03Listed for sale$449,000
2026-06-26Pending sale$449,000
2026-06-16Listed for sale$449,000
2026-03-04Sold$266,500
1996-09-30Sold$80,000

For Sale by Agent

AgentKeaton Coyle
BrokerageDALTON WADE INC

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