ActiveOpen House

20865 Drake Elm Dr, Land O Lakes, FL, 34638

$199/sqft·Whispering Pines Ph 1

5 bd3 ba2,615 sqft2 car garageSingle Family
Listed by RE/MAX ACTION FIRST OF FLORIDA· Last updated · MLS# TB8544179

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Est. monthly payment
$3,807/mo
Down payment (20%)
$103,980
Property taxes
$699/mo
HOA
$137/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2023
2 car garage
Garage Door Opener
4,800 sqft lot
Lot size
2,615 sqft
Living area

Open house

Sunday, Sep 13· 5:00 PM to 8:00 PM

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Wood CabinetsStone CountersWalk-in Closet(s)

20865 Drake Elm Dr is a 2023-built home in Whispering Pines Ph 1, Land O Lakes. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,615 square feet of living space. Listed at $519,900 (about $199/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $137 monthly.

From the listing

Welcome to this spacious 5-bedroom, 3-full-bath home offering 2,615 square feet of living space in the beautiful, well-maintained Whispering Pines gated community. Built in late 2023, this newer, move-in-ready home is a Talon model in excellent condition and offers the space, flexibility, and convenience today’s buyers are looking for. Built under modern Florida building codes, the home offers newer construction designed to meet current wind-resistance and hurricane-safety standards. One of its standout features is its prime location directly across from the community pool and clubhouse, just steps from the neighborhood’s main entrance, with the added privacy of no rear neighbors. Whispering Pines features two gated entrances and wonderful community amenities, including walking trails, a dog park, playground, swimming pool, and clubhouse. The clubhouse features comfortable seating areas, TVs, and grills, all overlooking the community’s beautiful central pond and pool. Inside, the bright, open-concept main living area connects the kitchen, dining area, and family room, creating an inviting layout for everyday living and entertaining. The kitchen features dark cabinetry, quartz countertops, stainless steel appliances, a pantry, and a large center island with seating. Sliding glass doors bring in abundant natural light and open to the covered lanai and fully fenced backyard, with gates on both sides of the house and no rear neighbors. Upstairs, a spacious loft provides valuable additional living space and can easily serve as a second family room, playroom, or home office. The primary suite features a large walk-in closet and private bathroom with dual sinks, a walk-in shower, and a large linen closet. Additional features include a 2-car garage, neutral finishes throughout, tile flooring downstairs, and beautifully maintained carpet upstairs. Conveniently located with easy access to shopping, dining, Tampa International Airport, and everything the Tampa Bay area has to offer. Come see everything this beautiful home and community have to offer!

The essentials

Built
2023
Price / sqft
$199
On market
8 days
Annual tax
$8,393
HOA
$137/mo
Flood zone
X · Low risk
Lot
4,800 sqft
Type
Single Family Residence

Location

20865 Drake Elm Dr
Land O Lakes, FL, 34638·34638 - Land O Lakes
Type
Single Family Residence
Year Built
2023
Lot
4,800 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
8
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Window Treatments
Sidewalk
Dishwasher
Disposal
Electric Water Heater
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 fileIn a CDD (Community Development District)Flood Zone X

Annual Tax (2025)

$8,393

Parcel #

18-26-23-0100-00000-0140

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 1

County

Pasco

MLS Area

34638 - Land O Lakes

Lot Size

4,800 sqft

HOA
$137/mo
Access Management / Nicole Ferguson
Date
Event
Price
9/3/2026
Listed for sale
Source: Stellar MLS #TB8544179
$519,900+5.7%
$199/sqft
11/3/2023
Sold
Source: Pasco County Public Record
$491,800
$188/sqft
Est. monthly payment$3,808/mo
Principal & interest$2,711
Property taxes$699
Insurance$260
HOA$137
Down payment20% · $103,980
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.

Offer Insights

Choose an offer strength

List price: $519,900
$515,000 – $519,900
99.5% – 100% of listTops out right at the list price
80% of listList price
151 of the last 264 home closings in 34638 landed at this number or higher (57%). The median one sat 43 days before it went under contract, and this one is on day 8.

Sample: 264 closed home sales in 34638 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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