21629 Silver Bay Pl, photo 1
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Overview

3 bd2 ba2,120 sqft2 car garageSingle Family
TypeSingle Family
HOA$640/yr
Built2004
Lot15,367 sqft
Living area2,120 sqft
Price / sqft$283
Garage2 car

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

About this home

Ceiling Fans(s)Primary Bedroom Main FloorThermostatLightingDishwasherDisposalDryerMicrowave

21629 Silver Bay Pl is a 2004-built home in Silver Lakes, Land O Lakes. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,120 square feet of living space. Listed at $599,900 (about $283/sqft), 119 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $640 semi-annually.

From the listing

Virtually Staged..... PRICE REDUCTION!!!! Lakeside Paradise in Silver Lakes Welcome Home! Nestled on a quiet cul-de-sac in the highly coveted, private enclave of Silver Lakes, this 3-bedroom, 2-bath, plus office, 2,120 sq. ft. residence offers your own personal piece of paradise on a pristine, spring-fed lake. With only 36 homes in the entire community, you'll enjoy unmatched privacy, incredibly low HOA fees, and absolutely no CDD fees. The Lakeside Lifestyle Step out to your private patio and dock to nature-watch, fish, or launch a canoe into the tranquil waters. The backyard serves as a peaceful, maturely landscaped getaway, complete with ambient uplighting and an extended lanai with elegant paver stones. Residents also enjoy boat ramp access to the beautiful, 26-acre Curve Lake, as well as a short .57-mile bike or walking path to the nearby Caliente Resort. Premium Interior & Structural Upgrades Inside, an effortless open-concept floor plan connects to a bright kitchen—featuring custom glass panel windows—directly to the main living area. The thoughtful split-bedroom floor plan ensures ultimate privacy for the primary suite. This home has been meticulously updated with high-end features and crucial mechanical lifespans already taken care of: The Ultimate Home Office: Custom built-in shelving, bookcases, integrated filing cabinets, and an entertainment center equipped with surround sound and an amplifier. Elegant Touches: A stunning, genuine crystal chandelier imported from Sweden accents the home, while the primary shower boasts a luxurious heated towel rack and jacuzzi tub. Modern Flooring: Brand new laminate wood flooring runs through all three bedrooms. Big-Ticket Reliability: A brand-new HVAC system (2025), new water heater (2025), and a solid 2019 roof mean absolute peace of mind for years to come. Note to Buyers: Please verify all room measurements and specific HOA rules/regulations via Public Records.

The essentials

Built
2004
Price / sqft
$283
On market
119 days
Annual tax
$3,163
HOA
$640/yr
Flood zone
X · Low risk
Lot
15,367 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Water views
Water
2 car garage
Driveway
0.35 acres
Lot size
2,120 sqft
Living area

Payment

Est. monthly payment
$3,746/mo
Down payment (20%)
$119,980
Property taxes
$264/mo
HOA
$640/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
15,367 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
119
Ceiling Fans(s)
Primary Bedroom Main Floor
Thermostat
Lighting
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,163
Parcel #
18-26-01-003.0-000.00-021.0

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
Silver Lakes
County
Pasco
MLS Area
34637 - Land O Lakes
Lot Size
15,367 sqft
HOA
$640/yr
Angela Hester

Price history

Date
Event
Price
8/10/2026
Price change
Source: Stellar MLS #TB8514131
$599,900+0.2%
$283/sqft
-
Price change
Source: Stellar MLS #TB8514131
$599,000-3.4%
$283/sqft
6/17/2026
Listed for sale
Source: Stellar MLS #TB8514131
$620,000
$292/sqft

Neighborhood

21629 Silver Bay Pl
Land O Lakes, FL, 34637 · 34637 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $599,900
$595,000 – $599,900
99.5% – 100% of listTops out right at the list price
80% of listList price
56 of the last 110 home closings in 34637 landed at this number or higher (51%). The median one sat 36 days before it went under contract, and this one is on day 119 after a $20,100 cut.

Sample: 110 closed home sales in 34637 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,745/mo
Principal & interest$3,129
Property taxes$264
Insurance$300
HOA$53
Down payment20% · $119,980
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

$599,900

$283 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,120 sq ft

Time on market

119 days

Year built

2004

Monthly payment

About $3,746/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,163 annual tax bill, insurance, and the $640/yr HOA fee.

HOA fee

$640/yr

Managed by Angela Hester.

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 bySUN N FUN REALTYListing agent: Sophia NeckerListing data from Stellar MLS, MLS# TB8514131.

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