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Overview

3 bd2 ba2,596 sqft2 car garageSingle Family
TypeSingle Family
HOA$212/qtr
Built2006
Lot5,500 sqft
Living area2,596 sqft
Price / sqft$154
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsWalk-in Closet(s)Window Treatments

10024 Coldwater Loop is a 2006-built home in Asbel Crk Ph 3, Land O Lakes. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,596 square feet of living space. Listed at $399,400 (about $154/sqft), 150 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $212 quarterly.

From the listing

Virtually Staged. Nearly 2,600 square feet for under $400,000! One of the largest and best values currently available in Asbel Creek. If you've been searching for a home that offers exceptional space, major updates, and outstanding value without exceeding your budget, this is one you won't want to miss. Designed with flexibility in mind, the popular floor plan features a desirable first-floor primary suite and an oversized upstairs flex room that can easily serve as a 4th bedroom, home office, media room, playroom, or home gym—perfect for today's lifestyle. The beautifully remodeled kitchen is the heart of the home, showcasing white cabinetry, striking stone countertops and backsplash, stainless steel appliances, a farmhouse sink, an oversized breakfast bar, and abundant cabinet space for both everyday living and entertaining. Major updates have already been completed, including a newer roof (2020), newer HVAC system (2023), remodeled bathrooms, fresh interior paint, updated lighting, recessed lighting, ceiling fans, and a custom walk-in closet in the primary suite, allowing you to move in with confidence. Step outside to the screened lanai overlooking the fully fenced backyard with plenty of room for entertaining, pets, gardening, or simply relaxing after a long day. With nearly 2,600 square feet, extensive updates already completed, low HOA fees, no CDD, and a price under $400,000, opportunities like this are becoming increasingly difficult to find. Conveniently located near the Suncoast Parkway, shopping, restaurants, and top-rated schools, this move-in-ready home delivers the space, flexibility, and value today's buyers have been waiting for.

The essentials

Built
2006
Price / sqft
$154
On market
150 days
Annual tax
$3,312
HOA
$212/qtr
Flood zone
X · Low risk
Lot
5,500 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
2 car garage
5,500 sqft lot
Lot size
2,596 sqft
Living area

Payment

Est. monthly payment
$2,630/mo
Down payment (20%)
$79,880
Property taxes
$276/mo
HOA
$212/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
5,500 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
150
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Walk-in Closet(s)
Window Treatments
Sidewalk
Deed Restrictions
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Washer
Elementary
Connerton Elem
Middle
Pine View Middle-PO
High
Land O' Lakes High-PO

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,312
Parcel #
18-25-16-0060-00D00-0330

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Asbel Crk Ph 3
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
5,500 sqft
HOA
$212/qtr
Wise Property Management / Jonah Galewitz

Price history

Date
Event
Price
10/9/2026
Price change
Source: Stellar MLS #TB8508788
$399,400
$154/sqft
-
Price change
Source: Stellar MLS #TB8508788
$399,500-9.2%
$154/sqft
5/15/2026
Listed for sale
Source: Stellar MLS #TB8508788
$440,000+4.8%
$169/sqft
12/29/2023
Sold
Source: Pasco County Public Record
$420,000
$162/sqft

Neighborhood

10024 Coldwater Loop
Land O Lakes, FL, 34638 · 34638 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $399,400
$397,500 – $399,400
99.5% – 100% of listTops out right at the list price
80% of listList price
194 of the last 336 home closings in 34638 landed at this number or higher (58%). The median one sat 43 days before it went under contract, and this one is on day 150 after a $40,600 cut.

Sample: 336 closed home sales in 34638 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,630/mo
Principal & interest$2,083
Property taxes$276
Insurance$200
HOA$71
Down payment20% · $79,880
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$399,400

$154 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,596 sq ft

Time on market

150 days

Year built

2006

Monthly payment

About $2,630/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,312 annual tax bill, insurance, and the $212/qtr HOA fee.

HOA fee

$212/qtr

Managed by Wise Property Management / Jonah Galewitz.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX ACTION FIRST OF FLORIDAListing agent: Peter GawienczukListing data from Stellar MLS, MLS# TB8508788.

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