19657 SHADY OAK DRIVE, LAND O LAKES, FL, 34638
Active11 days on marketListed Jul 27, 2026MLS #TB8533237
About this home
19657 SHADY OAK DRIVE
Opportunity to own a tenant-occupied 2-bedroom, 2.5-bath townhome with an established rental history in a gated Land O’ Lakes community. The property has been continuously leased since 2022 and currently generates $2,150 per month, providing immediate income for an investor. Owner-provided records reflect 54 months of continuous occupancy with no reported income gaps. The well-designed two-story floor plan features an open kitchen, dining, and living area with white cabinetry, granite countertops, stainless-steel appliances, breakfast-bar seating, and abundant natural light. Both bedrooms and two full bathrooms are located upstairs, along with a conveniently placed laundry area. A half bathroom serves the main living level. Additional features include an attached garage, private entry, generous storage, and HOA-maintained exterior and grounds. Investors can benefit from an income-producing property with an established rental history, while buyers considering future primary occupancy will appreciate the comfortable layout and low-maintenance setting. The property is currently tenant-occupied, and all lease terms, financial information, and future occupancy options should be independently verified by the buyer. An investor information sheet is available upon request.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,451
Sqft
0.03 ac
Lot size
1
Garage
2021
Year built
Two
Levels
$207
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,621 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,621/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+3.7%
$/sqft vs Land O Lakes actives
$207 vs $205
Days on market
11 vs 42 typical
Where $207/sqft sits among the 400 Land O Lakes actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Land O Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Land O Lakes. See the full Land O Lakes guide →
LAND O LAKES 34638 — neighborhood snapshot
Population
35,900
Median age
37.7
Median income
$117,931
Median home value
$378,200
Avg household
3.15
Households w/ children
5,294
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Land O Lakes market
$423K → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
212 of 400
Land O Lakes actives have cut their price
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% below the LAND O LAKES 34638 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 19657 SHADY OAK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$240,000
1849 ABRICO DRIVE UNIT K7
3 bd · 3 ba · 1,476 sqft · $163/sqft · 20 DOM
Sold · Nov ’25$430,500
18879 DEER TRACKS LOOP
2 bd · 2 ba · 1,542 sqft · $279/sqft · 12 DOM
Sold · Nov ’25$87,000
1916 ANDREWS LOOP
3 bd · 2 ba · 1,344 sqft · $65/sqft · 13 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19657 SHADY OAK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19657 SHADY OAK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
19657 SHADY OAK DRIVE FAQs
What would the monthly payment be for 19657 SHADY OAK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,621/mo — principal and interest, the actual property-tax bill, the $181/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 19657 SHADY OAK DRIVE?+
The association fee works out to $181 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19657 SHADY OAK DRIVE?+
The most recent tax bill on record (2025) was $4,577. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 19657 SHADY OAK DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Land O Lakes?+
At $300,000, this home is listed about 29% below the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 19657 SHADY OAK DRIVE?+
Land O' Lakes High School (high), Connerton Elementary School (elementary), Pine View Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Matthew Troncone. MLS #TB8533237.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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