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Overview

3 bd2 ba1,735 sqft2 car garageSingle Family
TypeSingle Family
HOA$300/qtr
Built2007
Lot6,874 sqft
Living area1,735 sqft
Price / sqft$227
Garage2 car

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

About this home

High CeilingsPest Guard SystemPrivate MailboxPrivate YardClubhouseDeed RestrictionsDog ParkFitness Center

19406 Sunset Bay Dr is a 2007-built home in Lakeshore Ranch Ph I, Land O Lakes. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,735 square feet of living space. Listed at $394,000 (about $227/sqft), 110 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $300 quarterly.

From the listing

**BUY THIS HOME WITH ZERO MONEY OUT OF POCKET!*** Yes, it may be possible! **19406 Sunset Bay Drive is USDA eligible**, giving qualified buyers the opportunity for **100% FINANCING WITH NO DOWN PAYMENT**. Combine that with available **SELLER CREDITS toward allowable closing costs**, and qualified buyers may be able to purchase this home with **little to potentially $0 out of pocket at closing!** Now let's talk about the home! Welcome to this beautifully maintained **3-bedroom, 2-bath home in the gated Lakeshore Ranch community**, where major updates, comfortable living, and resort-style amenities come together. One of the biggest expenses has already been taken care of with a **BRAND NEW ROOF IN 2024!** The home was also **FRESHLY PAINTED IN 2024** and features an **A/C replaced in 2018 and water heater in 2020**, giving buyers even more reasons to take a closer look.Already Low HOA cover internet and cable. Step inside and you'll immediately notice the bright, open feel created by the impressive **12-FT VAULTED CEILINGS**. Luxury vinyl plank flooring flows throughout the home, while the spacious living area and versatile flex room provide plenty of options for a home office, formal dining room, playroom, or additional living space. The kitchen features stainless steel appliances, a **GAS RANGE**, ample cabinetry, and an open connection to the main living area—perfect for everyday living and entertaining. Step outside to the **COVERED LANAI and FULLY FENCED BACKYARD**, creating a great outdoor space for entertaining, relaxing, gardening, or simply enjoying the Florida weather. Then there's the **LAKESHORE RANCH LIFESTYLE**. This gated, master-planned community offers an impressive collection of amenities including resort-style pools, clubhouse, fitness center, **PICKLEBALL**, tennis and basketball courts, playgrounds, dog parks, scenic walking trails, conservation areas, and more. Pickleball enthusiasts will especially appreciate the opportunity to enjoy the game right within the community. Conveniently located in Land O' Lakes near shopping, dining, medical facilities, recreation, and major commuter routes, this home offers much more than just a place to live—it's an opportunity to enjoy the Florida lifestyle while potentially purchasing with **NO DOWN PAYMENT**. **3 BEDROOMS • 2 BATHS • NEW ROOF 2024 • 12-FT VAULTED CEILINGS • FENCED YARD • GAS RANGE • LAKESHORE RANCH • USDA 100% FINANCING** Don't assume you need thousands of dollars saved to become a homeowner. **You may be able to BUY THIS HOME WITH ZERO MONEY OUT OF POCKET!** Ask us how and schedule your private showing today!

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The essentials

Built
2007
Price / sqft
$227
On market
110 days
Annual tax
$7,850
HOA
$300/qtr
Flood zone
X · Low risk
Lot
6,874 sqft
Type
Single Family Residence

At a glance

Single family
Built 2007
2 car garage
6,874 sqft lot
Lot size
1,735 sqft
Living area

Payment

Est. monthly payment
$3,006/mo
Down payment (20%)
$78,800
Property taxes
$654/mo
HOA
$300/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2007
Lot
6,874 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
110
High Ceilings
Pest Guard System
Private Mailbox
Private Yard
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Irrigation-reclaimed Water
Dishwasher
Disposal
Ice Maker
Microwave
Range
Refrigerator
Elementary
Connerton Elem
Middle
Angeline Academy of Innovation (8-12)
High
Land O' Lakes High-PO

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,850
Parcel #
18-25-27-002.0-000.00-165.0

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
Lakeshore Ranch Ph I
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
6,874 sqft
HOA
$300/qtr
Dawn Archambault

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #TB8523863
$394,000-0.2%
$227/sqft
-
Price change
Source: Stellar MLS #TB8523863
$394,900-1.3%
$228/sqft
6/26/2026
Listed for sale
Source: Stellar MLS #TB8523863
$399,900+0.3%
$230/sqft
12/7/2023
Sold
Source: Pasco County Public Record
$398,900
$230/sqft

Neighborhood

19406 Sunset Bay Dr
Land O Lakes, FL, 34638 · 34638 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $394,000
$392,500 – $394,000
99.5% – 100% of listTops out right at the list price
80% of listList price
196 of the last 339 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 110 after a $5,900 cut.

Sample: 339 closed home sales in 34638 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,006/mo
Principal & interest$2,055
Property taxes$654
Insurance$197
HOA$100
Down payment20% · $78,800
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

$394,000

$227 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,735 sq ft

Time on market

110 days

Year built

2007

Monthly payment

About $3,006/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,850 annual tax bill, insurance, and the $300/qtr HOA fee.

HOA fee

$300/qtr

Managed by Dawn Archambault.

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 byBRAINARD REALTYListing agent: Robert Zoller, JrListing data from Stellar MLS, MLS# TB8523863.

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