3520 Stable Ridge Ln, photo 1
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Overview

3 bd2 ba1,663 sqft2 car garageSingle Family
TypeSingle Family
HOA$25/yr
Built1973
Lot13,861 sqft
Living area1,663 sqft
Price / sqft$234
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorStable(s)PlaygroundTennis Court(s)Dishwasher

3520 Stable Ridge Ln is a 1973-built home in Paddock Grove Estates Unrec, Land O Lakes. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,663 square feet of living space. Listed at $389,000 (about $234/sqft), 116 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $25 annually.

From the listing

Welcome to this inviting 3-bedroom, 2-bathroom pool home with a 2-car garage, perfectly situated in the highly sought-after Lake Padgett Estates. This community is a water lover’s paradise, offering exclusive access to three ski-sized lakes and a dedicated fishing lake. Bring your boat and jet skis, and start living the Florida lifestyle you’ve always dreamed of! Inside, the home features an expansive family and dining room combination, ideal for entertaining. The beautifully upgraded kitchen is a chef's delight, showcasing stunning granite countertops, ample cabinetry, a built-in wine rack, and a cozy adjacent eating space. Just off the kitchen, you’ll find a versatile bonus room—perfect for a home office—along with a dedicated laundry room that provides convenient access to the attached garage. Step outside to your private oasis. Relax on the covered lanai or take a dip in the large, screen-enclosed pool, all surrounded by a serene and exceptionally private backyard.

The essentials

Built
1973
Price / sqft
$234
On market
116 days
Annual tax
$3,772
HOA
$25/yr
Flood zone
X · Low risk
Lot
13,861 sqft
Type
Single Family Residence

At a glance

Single family
Built 1973
Private pool
Child Safety Fence
2 car garage
0.32 acres
Lot size
1,663 sqft
Living area

Payment

Est. monthly payment
$2,540/mo
Down payment (20%)
$77,800
Property taxes
$314/mo
HOA
$25/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1973
Lot
13,861 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Child Safety Fence, Gunite, In Ground
Days on Market
116
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Stable(s)
Playground
Tennis Court(s)
Dishwasher
Microwave
Range
Refrigerator
Elementary
Lake Myrtle Elementary-PO
Middle
Charles S. Rushe Middle-PO
High
Sunlake High School-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)
$3,772
Parcel #
19-26-19-056.0-000.01-111.0

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
Paddock Grove Estates Unrec
County
Pasco
MLS Area
34639 - Land O Lakes
Lot Size
13,861 sqft
In County
HOA
$25/yr

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #TB8520686
$389,000-2.5%
$234/sqft
-
Price change
Source: Stellar MLS #TB8520686
$399,000-2.7%
$240/sqft
6/19/2026
Listed for sale
Source: Stellar MLS #TB8520686
$410,000+74.5%
$247/sqft
8/24/2018
Sold
Source: Pasco County Public Record
$234,900
$141/sqft

Neighborhood

3520 Stable Ridge Ln
Land O Lakes, FL, 34639 · 34639 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $389,000
$385,000 – $389,000
99% – 100% of listTops out right at the list price
80% of listList price
70 of the last 138 home closings in 34639 landed at this number or higher (51%). The median one sat 21 days before it went under contract, and this one is on day 116 after a $21,000 cut.

Sample: 138 closed home sales in 34639 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,540/mo
Principal & interest$2,029
Property taxes$314
Insurance$195
HOA$2
Down payment20% · $77,800
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

$389,000

$234 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,663 sq ft

Time on market

116 days

Year built

1973

Monthly payment

About $2,540/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,772 annual tax bill, insurance, and the $25/yr HOA fee.

HOA fee

$25/yr

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?

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Brokered bySTELLAR REAL ESTATE GROUPListing agent: Lisa CarmanListing data from Stellar MLS, MLS# TB8520686.

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