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Overview

5 bd3 ba3,315 sqft2 car garageSingle Family
TypeSingle Family
HOA$195/yr
Built2008
Lot5,500 sqft
Living area3,315 sqft
Price / sqft$179
Garage2 car

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About this home

Ceiling Fans(s)Crown MoldingKitchen/Family Room ComboPrimarybedroom UpstairsStone CountersWalk-in Closet(s)Outdoor KitchenDishwasher

2904 Trinity Cottage Dr is a 2008-built home in Concord Station Ph 04 Units A & B, Land O Lakes. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,315 square feet of living space. Listed at $595,000 (about $179/sqft), 67 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $195 annually.

From the listing

Exceptionally Detailed custom craftsmanship, and peaceful water and conservation views distinguish this impressive 5-bedroom, 3-bath residence in Land O’ Lakes. Offering approximately 3,315 square feet, a dedicated media theater, an upstairs game room, a first-floor bedroom with full bath, and a two-car garage, this home provides generous space for everyday living, multigenerational needs, entertaining, and working from home. From the columned entry and paver courtyard, the interior opens to soaring two-story sightlines, graceful arches, extensive custom millwork, and richly finished formal living and dining areas. Premium features include 3/4-inch solid-hardwood flooring installed over a dedicated subfloor, natural travertine flooring and bath surrounds, approximately 60 recessed lights and chandeliers, and a completely rebuilt solid-wood staircase accented with ornamental ironwork. The open Tuscan-inspired kitchen features warm wood cabinetry, stone countertops, stainless-steel appliances, a natural-stone backsplash, generous workspace, and a substantial center island overlooking the adjoining living and breakfast areas. Upstairs, the expansive primary suite includes an impressive travertine-clad bathroom with dual vanities, granite countertops, a deep soaking tub, and a spacious glass-enclosed shower. Secondary bedrooms, a large recreation room, and an open gallery with custom iron railings complete the upper level. Outside, the covered Tuscan-inspired outdoor kitchen extends the entertaining space toward a tranquil water and conservation outlook, creating a private setting with open skies and no immediate rear neighbor.

The essentials

Built
2008
Price / sqft
$179
On market
67 days
Annual tax
$10,839
HOA
$195/yr
Flood zone
X · Low risk
Lot
5,500 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Waterfront
Pond
2 car garage
5,500 sqft lot
Lot size
3,315 sqft
Living area

Payment

Est. monthly payment
$4,320/mo
Down payment (20%)
$119,000
Property taxes
$903/mo
HOA
$195/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
5,500 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Pond
Days on Market
67
Ceiling Fans(s)
Crown Molding
Kitchen/Family Room Combo
Primarybedroom Upstairs
Stone Counters
Walk-in Closet(s)
Outdoor Kitchen
Dishwasher
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$10,839
Parcel #
18-26-28-003.0-00G.00-032.0

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
Concord Station Ph 04 Units A & B
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
5,500 sqft
HOA
$195/yr
Kathleen Wasburn

Price history

Date
Event
Price
9/29/2026
Price change
Source: Stellar MLS #TB8536100
$595,000-3.3%
$179/sqft
-
Price change
Source: Stellar MLS #TB8536100
$615,000-6.7%
$186/sqft
8/5/2026
Listed for sale
Source: Stellar MLS #TB8536100
$659,000+158.4%
$199/sqft
1/1/2009
Sold
Source: Pasco County Public Record
$255,000
$77/sqft

Neighborhood

2904 Trinity Cottage Dr
Land O Lakes, FL, 34638 · 34638 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $595,000
$590,000 – $595,000
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 67 after a $64,000 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
$4,320/mo
Principal & interest$3,103
Property taxes$903
Insurance$298
HOA$16
Down payment20% · $119,000
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 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

$595,000

$179 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,315 sq ft

Time on market

67 days

Year built

2008

Monthly payment

About $4,320/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,839 annual tax bill, insurance, and the $195/yr HOA fee.

HOA fee

$195/yr

Managed by Kathleen Wasburn.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byHANNIBAL SHABO REALTYListing agent: Hannibal ShaboListing data from Stellar MLS, MLS# TB8536100.

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