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$599,900

21629 SILVER BAY PLACE, LAND O LAKES, FL 34637

3D Tour
Active65 days on market

Beds

3

Baths

2

Sq Ft

2,120 sq ft

Year Built

2004

Lot Size

0.35 acres

Garage

2

About This Property

PRICE REDUCTION!!!! Lakeside Paradise in Silver Lakes Welcome Home! Nestled on a quiet cul-de-sac in the highly coveted, private enclave of Silver Lakes, this 3-bedroom, 2-bath, plus office, 2,120 sq. ft. residence offers your own personal piece of paradise on a pristine, spring-fed lake. With only 36 homes in the entire community, you'll enjoy unmatched privacy, incredibly low HOA fees, and absolutely no CDD fees. The Lakeside Lifestyle Step out to your private patio and dock to nature-watch, fish, or launch a canoe into the tranquil waters. The backyard serves as a peaceful, maturely landscaped getaway, complete with ambient uplighting and an extended lanai with elegant paver stones. Residents also enjoy boat ramp access to the beautiful, 26-acre Curve Lake, as well as a short .57-mile bike or walking path to the nearby Caliente Resort. Premium Interior & Structural Upgrades Inside, an effortless open-concept floor plan connects to a bright kitchen—featuring custom glass panel windows—directly to the main living area. The thoughtful split-bedroom floor plan ensures ultimate privacy for the primary suite. This home has been meticulously updated with high-end features and crucial mechanical lifespans already taken care of: The Ultimate Home Office: Custom built-in shelving, bookcases, integrated filing cabinets, and an entertainment center equipped with surround sound and an amplifier. Elegant Touches: A stunning, genuine crystal chandelier imported from Sweden accents the home, while the primary shower boasts a luxurious heated towel rack and jacuzzi tub. Modern Flooring: Brand new laminate wood flooring runs through all three bedrooms. Big-Ticket Reliability: A brand-new HVAC system (2025), new water heater (2025), and a solid 2019 roof mean absolute peace of mind for years to come. Note to Buyers: Please verify all room measurements and specific HOA rules/regulations via Public Records.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8514131
StatusActive
Year Built2004
Stories1
Total Rooms9
ConstructionConcrete
RoofShingle
FoundationConcrete Perimeter, Slab
FacesNorth
SubdivisionSILVER LAKES
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Primary Bedroom Main Floor, Thermostat
FlooringCeramic Tile
AppliancesDishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
LaundryLaundry Room
WindowsRods
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorFrench Doors, Lighting
FencingWood
Lot Size0.35 acres (15,367 sq ft)
Road SurfacePaved
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Available, Phone Available

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$640 / Semi-Annually
Senior CommunityNo

Financial Details

List Price$599,900
Original Price$620,000
Annual Taxes$3,163 (2025)
FinancingCash, Conventional, FHA, Other, VA Loan
ZoningMPUD
Parcel #182601003.0000.00021.0

Directions

From Highway 41 go north , pass Ehren Cut-off, make a right onto Barcellona, then make a right on to Silver Lakes house on left.

Location

21629 SILVER BAY PLACE, LAND O LAKES, FL 34637

Listing Information

OfficeSUN N FUN REALTY
ListedJune 17, 2026

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Home Price

$599,900

20% ($119,980)
6.75%

Loan Term

Principal & Interest$3,113
Property Tax (est.)$550
Insurance (est.)$150
Total Monthly$3,813
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How to Buy This Home

Multiple financing options available for this $599,900 home in LAND O LAKES.

🏛️

FHA Loan

$20,997 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$29,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pasco County SHIP

Varies

Income-qualifying Pasco residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: August 21, 2026.

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