20978 MONZA LOOP Land O Lakes, FL $ 445,000
20978 MONZA LOOP
$ 445,000
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20978 MONZA LOOP

Land O Lakes, FL, 34638
$ 445,000
Bedrooms4 Baths2.1 Sq 2,386

Monthly Estimate*

$ 2,740

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Single Family Home for sale in Land O Lakes, FL

for $445,000 with 4 bedrooms and 2 full baths, 1 half bath. This 2,386 square foot home was built in 2022 on a lot size of 0.16.

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.

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Single Family Active

Price

$ 445,000

Bedrooms

4

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 6,271

Style

Single Family Residence

Lot Size

0.16

Year Built

2022

Town/City

Land O Lakes

County/Region

Pasco

MLS | Web ID

TB8500994

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Cable Available Electricity Connected Public Sewer Connected Underground Utilities Water Connected
Roof Shingle
Appliances Dishwasher Dryer Electric Water Heater Microwave Range Refrigerator Washer Water Softener
Zoning MPUD
HOA Fee 90
Garage Spaces 2
Patio/Porch Features Front Porch Patio Rear Porch
Security Features Security System
Construction Materials Block Stucco Wood Frame
Pets Allowed Yes
Year Built 2022
View Trees/Woods
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Lake
Community Features Lake Community Mailbox Dog Park Gated Community - No Guard Sidewalks
Assoc Fee Paid Per Monthly
County Pasco
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name ARDEN PRESERVE
Facing Direction Northeast
Garage Y/N true
Total Rooms 11
Full Baths 2
Status Active
Directions From FL-54 head North on Land O Lakes Blvd Left on Wisteria Loop Right on Matero Way Left on Monza Loop
High School Land O' Lakes High-PO
City LAND O LAKES
Association Name Home River / Arden
Senior Community Y/N false
MLS Area 34638 - Land O Lakes
Lot Size Units Square Feet
Lot Size Square Feet 6906
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Elementary School Connerton Elem
Land Lease Y/N false
Tax Annual Amount 6271
Middle/Junior High School Pine View Middle-PO
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/TB8500994
Building Area Units Square Feet
Living Area Units Square Feet
Builder Name Pulte Homes
Standard Status Active
Occupancy Type Owner
Tax Lot 11
Legal Description ARDEN PRESERVE PB 82 PG 112 BLOCK 4 LOT 11
Minimum Lease 1-2 Years
Water Access Y/N false
Monthly HOA Amount 90
Additional Rooms Bonus Room Den/Library/Office
Water View Y/N false
Flood Zone Code X
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Interior
Interior Amenities Kitchen/Family Room Combo Living Room/Dining Room Combo Open Floorplan PrimaryBedroom Upstairs Thermostat Window Treatments
Flooring Carpet Luxury Vinyl Tile
Furnished Y/N Unfurnished
Air Conditioning Y/N true
Heating Y/N true
Window Features Blinds Drapes Rods
Fireplace Y/N false
Half Baths 1
Laundry Features Laundry Room
Total Bedrooms 4
Total Baths 3
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Exterior
Exterior Amenities Garden Private Yard Sidewalk Sliding Doors
Vegetation Mature Landscaping
Fencing Fenced Vinyl
Lot Features Conservation Area Landscaped Level Sidewalk
Water Source Public
Lot Size Area 6906
Foundation Details Slab
Building Area Total 3116
Lot Size Acres 0.16
Road Surface Type Paved Asphalt
Private Pool false
Waterfront Y/N false
Covered Spaces 2
Road Frontage Type Street Paved Private Road
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* Excluded Features
List By
Mihara & Associates Inc.

Broker

lmcinquemano@gmail.com

Email

Affordability Calculator

$3,263
Per Month
84%
16%
0%
Monthly Principal & Interest
$2,740
Monthly Property Taxes
$523
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
0 Elementary School
0 Middle School
Land O' Lakes High-PO High School High School
Pricing History
DatePricePrice ChangeDescription
4/26/2026$445,000 Listed Price

Map


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20978 MONZA LOOP, Land O Lakes, FL, 34638 is a Single Family Home for sale at $445,000 with 2,386 sqft and a lot size of 0.16. 20978 MONZA LOOP has 4 bedrooms, 2.1 baths, and was built in 2022. The property's zip code is 34638 which is in Land O Lakes, FL