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Overview

5 bd4 ba3,172 sqft2 car garageSingle Family
TypeSingle Family
HOA$137/mo
Built2024
Lot4,800 sqft
Living area3,172 sqft
Price / sqft$200
Garage2 car

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

About this home

Ceiling Fans(s)Chair RailEat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Surface Counters

20958 Drake Elm Dr is a 2024-built home in Whispering Pines Ph 2, Land O Lakes. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,172 square feet of living space. Listed at $634,990 (about $200/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $137 monthly.

From the listing

Experience modern Florida living in this stunning 2024 Pulte-built home offering 5 bedrooms, 4 bathrooms, and a spacious open-concept design perfect for everyday living and entertaining. Featuring natural gas, this home includes a tankless gas water heater along with the efficiency and convenience today’s buyers are looking for. The bright, open floor plan seamlessly connects the living, dining, and kitchen areas, while the expansive upstairs loft provides the perfect flex space for a media room, playroom, home office, or additional living area. The spacious primary suite is privately situated on the second floor and overlooks serene pond views, creating a peaceful retreat at the end of the day. Step outside to enjoy the screened-in lanai and fully fenced backyard, perfect for relaxing, entertaining, or letting pets and little ones play. Thoughtful upgrades completed in 2024 include a whole-home water softener, custom light fixtures, elegant custom molding throughout the downstairs living areas, durable epoxy garage floors, Govee permanent exterior lighting, and garage refrigerator and freezer. With modern finishes, premium upgrades, energy-efficient natural gas, and a thoughtfully designed layout, this exceptional home offers the perfect blend of comfort, style, and functionality. Conveniently located near shopping, dining, top-rated schools, and major roadways, this move-in-ready home is one you won’t want to miss!

The essentials

Built
2024
Price / sqft
$200
On market
102 days
Annual tax
$9,628
HOA
$137/mo
Flood zone
X · Low risk
Lot
4,800 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
2 car garage
4,800 sqft lot
Lot size
3,172 sqft
Living area

Payment

Est. monthly payment
$4,569/mo
Down payment (20%)
$126,998
Property taxes
$802/mo
HOA
$137/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
4,800 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
102
Ceiling Fans(s)
Chair Rail
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Cooktop
Dishwasher
Disposal
Microwave
Range
Refrigerator
Water Softener
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$9,628
Parcel #
18-26-23-011.0-000.00-168.0

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
Whispering Pines Ph 2
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
4,800 sqft
HOA
$137/mo
Access Difference management

Price history

Date
Event
Price
9/9/2026
Price change
Source: Stellar MLS #TB8524663
$634,990-0.5%
$200/sqft
-
Price change
Source: Stellar MLS #TB8524663
$638,000+1.3%
$201/sqft
6/30/2026
Listed for sale
Source: Stellar MLS #TB8524663
$629,998+5.6%
$199/sqft
2/21/2024
Sold
Source: Pasco County Public Record
$596,400
$188/sqft

Neighborhood

20958 Drake Elm Dr
Land O Lakes, FL, 34638 · 34638 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $634,990
$630,000 – $634,990
99.5% – 100% of listTops out right at the list price
80% of listList price
194 of the last 335 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 102.

Sample: 335 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
$4,569/mo
Principal & interest$3,312
Property taxes$802
Insurance$317
HOA$137
Down payment20% · $126,998
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 is the fee 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

$634,990

$200 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,172 sq ft

Time on market

102 days

Year built

2024

Monthly payment

About $4,569/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,628 annual tax bill, insurance, and the $137/mo HOA fee.

HOA fee

$137/mo

Managed by Access Difference management.

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 byTHE SOMERDAY GROUP PLListing agent: Erika NunezListing data from Stellar MLS, MLS# TB8524663.

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