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Active
$1,399,000
20902 Ragan Ln, Land O Lakes, FL, 34638
$464/sqft·Lake Thomas Estates
Est. $7,296/moSee payment3
beds
3
baths
3,013
sqft
3
garage
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8536718
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About this home
Crown MoldingHigh CeilingsStone CountersWalk-in Closet(s)Wet BarLightingPrivate EntrancePrivate Mailbox
20902 Ragan Ln is a 2020-built home in Lake Thomas Estates, Land O Lakes. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,013 square feet of living space. Listed at $1,399,000 (about $464/sqft), 1 days on market. Flood zone X, AE - outside the FEMA high-risk areas, which keeps insurance manageable.
From the listing
LAKEFRONT on highly sought after BIG LAKE THOMAS. Custom built in 2020. Private ski lake with walk in access, dock, boatlift and private boat ramp. Home features gourmet kitchen with large island, gas range with double ovens, and side by side refrigerator and freezer. Wet bar with stainless sink and ice machine. Primary suite features sitting area and stunning spa-like en suite with double vanities, soaker tub and double walk in shower with 3 shower heads on each side. Therapeutic Hot Tub on back Lanai. Three way split floorplan with separate 1 car garage with 50AMP Electric car charger and 2 car garage. Enjoy peaceful resort style living with breathtaking waterfront views. NO HOA
The essentials
Built
2020
Price / sqft
$464
On market
5 days
Annual tax
$12,829
Flood zone
X, AE · Low risk
Lot
44,687 sqft
Type
Single Family Residence
Location
Type
Single Family Residence
Year Built
2020
Lot
44,687 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Lake Front
Days on Market
5
Crown Molding
High Ceilings
Stone Counters
Walk-in Closet(s)
Wet Bar
Lighting
Private Entrance
Private Mailbox
Private Yard
Rain Gutters
Sliding Doors
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Water Softener
Elementary
Connerton Elem
Middle
Pine View Middle-PO
High
Land O' Lakes High-PO
Districts can re-zone, so verify directly with the district before relying on these.
Homestead exemption on fileFlood Zone X, AE
Annual Tax (2025)
$12,829
Parcel #
18-26-02-0010-00000-0080
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
Lake Thomas Estates
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
44,687 sqft
Date
Event
Price
8/21/2026
Listed for sale
Source: Stellar MLS #TB8536718
$1,399,000
$464/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$8,665
Principal, interest, tax, insurance
- P&I$7,296
- Tax$1,069
- Insurance$300
Loan Amount
$1,119,200
Down Payment %
20.0%
First Year Summary
Principal
$11,814
Interest
$75,742
Balance
$1,107,386
Total Interest
$1,507,485
Total Cost
$2,626,685
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