20873 Drake Elm Dr, photo 1
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Overview

4 bd2 ba1,580 sqft2 car garageSingle Family
TypeSingle Family
HOA$135/mo
Built2023
Lot4,800 sqft
Living area1,580 sqft
Price / sqft$247
Garage2 car

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

About this home

Ceiling Fans(s)Living Room/Dining Room ComboSplit BedroomClubhouseDeed RestrictionsPoolSidewalksDishwasher

20873 Drake Elm Dr is a 2023-built home in Whispering Pines, Land O Lakes. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,580 square feet of living space. Listed at $390,000 (about $247/sqft), 34 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $135 monthly.

From the listing

One or more photos virtually modified - Modern Florida living starts here! Step inside this beautifully presented residence where natural light, contemporary finishes, and an effortless open layout create an inviting place to call home. The spacious living area flows seamlessly into the dining space and well-appointed kitchen, featuring rich cabinetry, ample counter space, a generous center island with seating, stainless steel appliances, and stylish pendant lighting. The thoughtfully designed layout offers a private primary retreat along with three additional bedrooms, providing plenty of flexibility for guests, hobbies, or a home office. Sliding doors extend the living space to the screened lanai and fully fenced backyard—an ideal setting for morning coffee, outdoor dining, entertaining, or simply relaxing in your own private space. Residents also enjoy a resort-style community pool, while the convenient location puts shopping, dining, schools, and major roadways close by. Beautifully maintained, move-in ready, and offering the lifestyle buyers are looking for, this home is one you won’t want to miss!

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The essentials

Built
2023
Price / sqft
$247
On market
34 days
Annual tax
$5,638
HOA
$135/mo
Flood zone
X · Low risk
Lot
4,800 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
Driveway
4,800 sqft lot
Lot size
1,580 sqft
Living area

Payment

Est. monthly payment
$2,834/mo
Down payment (20%)
$78,000
Property taxes
$470/mo
HOA
$135/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
4,800 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
34
Ceiling Fans(s)
Living Room/Dining Room Combo
Split Bedroom
Clubhouse
Deed Restrictions
Pool
Sidewalks
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)
$5,638
Parcel #
23-26-18-0100-00000-0130

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
County
Pasco
MLS Area
34638 - Land O Lakes
Lot Size
4,800 sqft
HOA
$135/mo
Whispering Pines Community Association, Inc.

Price history

Date
Event
Price
9/11/2026
Listed for sale
Source: Stellar MLS #TB8548284
$390,000-1.1%
$247/sqft
10/18/2023
Sold
Source: Pasco County Public Record
$394,300
$250/sqft

Neighborhood

20873 Drake Elm Dr
Land O Lakes, FL, 34638 · 34638 - Land O Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $390,000
$387,500 – $390,000
99.5% – 100% of listTops out right at the list price
80% of listList price
197 of the last 341 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 34.

Sample: 341 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
$2,834/mo
Principal & interest$2,034
Property taxes$470
Insurance$195
HOA$135
Down payment20% · $78,000
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

$390,000

$247 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,580 sq ft

Time on market

34 days

Year built

2023

Monthly payment

About $2,834/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,638 annual tax bill, insurance, and the $135/mo HOA fee.

HOA fee

$135/mo

Managed by Whispering Pines Community Association, Inc..

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 byORCHARD BROKERAGE, LLCListing agent: Adrian Castillo, LLCListing data from Stellar MLS, MLS# TB8548284.

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