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Overview

5 bd2 ba2,444 sqft2 car garageSingle Family
TypeSingle Family
HOA$70/yr
Built2005
Lot8,156 sqft
Living area2,444 sqft
Price / sqft$188
Garage2 car

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About this home

Ceiling Fans(s)Kitchen/Family Room ComboSolid Wood CabinetsSplit BedroomStone CountersDeed RestrictionsGated Community - No GuardDishwasher

4422 Havelocke Dr is a 2005-built home in Oakstead Prcl 05, Land O Lakes. Inside you'll find 5 bedrooms, 2 bathrooms, and 2,444 square feet of living space. Listed at $460,000 (about $188/sqft), 88 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $70 annually.

From the listing

FHA ASSUMABLE LOAN — 3.625% INTEREST RATE Welcome home to this beautifully maintained 5-bedroom, 2-bathroom property in the sought-after, gated community of Oakstead. Tucked away with no rear neighbors, this home offers true privacy — with deer wandering by for that peaceful, nature-close feel. Step inside to an open, split floor plan designed for both everyday living and entertaining, featuring gorgeous vinyl flooring throughout. Upstairs, a spacious loft offers endless flexibility — perfect as a bonus room, playroom, or home office. Abundant natural light fills every room, creating warm, inviting spaces for the whole family. Enjoy peace of mind with a new roof (2024) and a recently replaced one of the AC units (2 years old). Add to that fantastic curb appeal, and this home is as move-in ready as it is beautiful. Living in Oakstead means resort-style amenities right outside your door: a sparkling community pool and kiddie pool, tennis and basketball courts, a clubhouse with a fitness center, and scenic nature trails — all within a secure, gated setting. Don't miss this rare opportunity to own a home with an incredibly low, assumable interest rate in one of the area's most desirable communities!

The essentials

Built
2005
Price / sqft
$188
On market
88 days
Annual tax
$7,473
HOA
$70/yr
Flood zone
X · Low risk
Lot
8,156 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
2 car garage
8,156 sqft lot
Lot size
2,444 sqft
Living area

Payment

Est. monthly payment
$3,258/mo
Down payment (20%)
$92,000
Property taxes
$623/mo
HOA
$70/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
8,156 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
88
Ceiling Fans(s)
Kitchen/Family Room Combo
Solid Wood Cabinets
Split Bedroom
Stone Counters
Deed Restrictions
Gated Community - No Guard
Dishwasher
Microwave
Range
Refrigerator
Elementary
Oakstead 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 In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,473
Parcel #
15-26-18-0010-02100-0170

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
Oakstead Prcl 05
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
8,156 sqft
HOA
$70/yr
Rebecca Anderson

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #TB8528701
$460,000-2.1%
$188/sqft
-
Price change
Source: Stellar MLS #TB8528701
$470,000-1.9%
$192/sqft
7/15/2026
Listed for sale
Source: Stellar MLS #TB8528701
$479,000
$196/sqft

Neighborhood

4422 Havelocke Dr
Land O Lakes, FL, 34638 · 34638 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $460,000
$457,500 – $460,000
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 88 after a $19,000 cut.

Sample: 336 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
$3,258/mo
Principal & interest$2,399
Property taxes$623
Insurance$230
HOA$6
Down payment20% · $92,000
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

$460,000

$188 per sq ft

Beds and baths

5 beds, 2 baths

Size

2,444 sq ft

Time on market

88 days

Year built

2005

Monthly payment

About $3,258/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,473 annual tax bill, insurance, and the $70/yr HOA fee.

HOA fee

$70/yr

Managed by Rebecca Anderson.

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 byFUTURE HOME REALTY INCListing agent: Brandon AndersonListing data from Stellar MLS, MLS# TB8528701.

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