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For sale
    • Price cut: $10K (7/3)
    $425,000

    20978 MONZA LOOP, LAND O LAKES, FL 34638

    4beds
    2,386sqft
    : 
    $2,928/mo
    Get pre-qualified
    Single Family Residence
    Built in 2022
    6,906 Square Feet Lot
    $-- Zestimate®
    $178/sqft
    $90/mo HOA

    What's special

    Covered lanaiGenerously sized bedroomsBright open-concept layoutPlenty of storageModern pendant lightingWindow blinds and curtainsSleek countertops
    ASSUMABLE 3% MORTGAGE! This loan can be assumed by a non-veteran or a veteran. The buyer will need roughly $40,000 difference between the payoff and loan amount plus closing cost. Interested buyers should have $50,000 available to bring to closing. This is a once in a lifetime opportunity to assume a 3% interest rate in a much higher market! Welcome to 20978 Monza Loop in the GATED COMMUNITY of Arden Preserve, where the major expenses of new construction have already been handled for you. Built in 2022, this home delivers immediate value with NO CDD fees and includes upgrades that typically cost thousands more through a builder, such as a FULLY VINYL FENCED backyard, EXTENDED PAVER PATIO and walkway, window blinds and curtains, and a fully owned WATER TREATMENT SYSTEM. Located in FLOOD ZONE X, it also offers the added benefit of potentially LOWER INSURANCE COSTS, making this a smart move both upfront and long-term. Inside, the home offers 4 bedrooms, 2.5 baths, and 2,386 square feet of thoughtfully designed living space with a BRIGHT, OPEN-CONCEPT layout. The main level is filled with NATURAL LIGHT and features a seamless flow between the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. The kitchen is anchored by a LARGE CENTER ISLAND with seating, complemented by sleek countertops, stainless steel appliances, ample cabinetry, and modern pendant lighting. Sliding glass doors open to the COVERED LANAI, enhancing the indoor-outdoor connection. Upstairs, a spacious loft provides FLEXIBLE LIVING SPACE for a second living area, media room, or home office, while the generously sized bedrooms offer comfort and privacy. The primary suite serves as a relaxing retreat with an en-suite bath featuring dual vanities, a walk-in shower, and plenty of storage, and a dedicated laundry room adds convenience. Out back, the covered lanai overlooks a PRIVATE YARD that backs to PEACEFUL GREENSPACE with NO REAR NEIGHBORS, creating a quiet setting to relax or entertain. The extended paver patio expands your outdoor living options, whether you’re hosting gatherings or simply enjoying the Florida lifestyle. Arden Preserve is a fully completed gated community with no ongoing construction, offering a more established and peaceful environment. Residents enjoy a PRIVATE WALKING PATH leading directly to Land O’ Lakes High School, a community dog park, and convenient access to nearby shopping, dining, and major roadways. This home combines modern construction, functional living space, and meaningful savings in one of Land O’ Lakes’ most desirable neighborhoods.
    124 days
    |
    555
    |
    64
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Michael Cinquemano, Jr. 813-960-2300,

    MIHARA & ASSOCIATES INC. 813-960-2300

    Source: Stellar MLS,MLS#: TB8500994MLS LogoOriginating MLS: Suncoast Tampa

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bonus Room, Den/Library/Office
      Primary bedroom
      • Features: En Suite Bathroom, Walk-In Closet(s)
      • Level: Second
      • Area: 238.09 Square Feet
      • Dimensions: 16.42x14.5
      Bedroom 2
      • Features: Built-in Closet
      • Level: Second
      • Area: 119.91 Square Feet
      • Dimensions: 10.5x11.42
      Bedroom 3
      • Features: Built-in Closet
      • Level: Second
      • Area: 127.81 Square Feet
      • Dimensions: 10.58x12.08
      Bedroom 4
      • Features: Built-in Closet
      • Level: Second
      • Area: 133.38 Square Feet
      • Dimensions: 12.5x10.67
      Primary bathroom
      • Features: Dual Sinks, Shower No Tub
      • Level: Second
      Bathroom 2
      • Features: Single Vanity, Tub With Shower
      • Level: Second
      Den
      • Features: No Closet
      • Level: First
      • Area: 127.46 Square Feet
      • Dimensions: 11.33x11.25
      Dining room
      • Level: First
      • Area: 142.28 Square Feet
      • Dimensions: 9.08x15.67
      Kitchen
      • Level: First
      Living room
      • Level: First
      • Area: 289.9 Square Feet
      • Dimensions: 18.5x15.67
      Loft
      • Level: Second
      • Area: 168.96 Square Feet
      • Dimensions: 12x14.08
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
      • Laundry: Laundry Room
      Features
      • Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Thermostat
      • Flooring: Carpet, Luxury Vinyl, Tile
      • Doors: Sliding Doors
      • Windows: Window Treatments
      • Has fireplace: No
      Interior area
      • Total structure area: 3,116
      • Total interior livable area: 2,386 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Front Porch, Patio, Rear Porch
      • Exterior features: Garden, Private Yard, Sidewalk
      • Fencing: Fenced,Vinyl
      • Has view: Yes
      • View description: Trees/Woods
      • Waterfront features: Lake
      Lot
      • Size: 6,906 Square Feet
      • Features: Conservation Area, Landscaped, Level, Sidewalk
      • Residential vegetation: Mature Landscaping
      Details
      • Parcel number: 1826020080004000110
      • Zoning: MPUD
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Block, Stucco, Wood Frame
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2022
      Details
      • Builder name: Pulte Homes

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected

      Community & HOA

      Community
      • Features: Lake, Community Mailbox, Dog Park, Gated Community - No Guard, Sidewalks
      • Security: Security System
      • Pet fee: $0 monthly
      • Subdivision: ARDEN PRESERVE
      HOA
      • Has HOA: Yes
      • HOA fee: $90 monthly
      • HOA name: Home River / Arden
      • HOA phone: 813-993-4000
      Location
      • Region: Land O Lakes

      Financial & listing details

      • Price per square foot: $178/sqft
      • Tax assessed value: $417,184
      • Annual tax amount: $6,271
      • Date on market: 4/25/2026
      • Cumulative days on market: 125 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved, Asphalt

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/3/2026Price change$425,000-2.3%$178/sqft
        Source: Stellar MLS #TB8500994 Report a problem
        5/11/2026Price change$435,000-2.2%$182/sqft
        Source: Stellar MLS #TB8500994 Report a problem
        4/26/2026Listed for sale$445,000+4.5%$187/sqft
        Source: Stellar MLS #TB8500994 Report a problem
        5/6/2022Sold$426,000+30.3%$179/sqft
        Source: Public Record Report a problem
        6/17/2021Listing removed--
        Source: Pulte Report a problem
        6/14/2021Listed for sale$326,990$137/sqft
        Source: Pulte Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$6,271 +2.4%$406,620 +2.9%
        2024$6,124 +2.2%$395,160 +3.2%
        2023$5,994 +826.8%$382,776 +10.2%
        2022$647 +19.9%$347,290 +926.3%
        2021$539 +112.5%$33,839 +112.8%
        2020$254 $15,905
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: Ivelmar Estates

        Getting around

        13 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Connerton Elem
        • Middle: Pine View Middle-PO
        • High: Land O' Lakes High-PO

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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