3202 PINE SHADOW DRIVE
Land O Lakes, FL 34639
$449,000
Waterfront Under $450K | Lake Padgett Estates | Land O' Lakes
Bring the ski boat, the fishing boat, and the jet ski! This updated 3-bed, 2-bath, 1,500 sq ft home with a 2-car garage sits on the shore of Lake Saxon in Lake Padgett Estates, with a private dock, canal access, and no backyard neighbors. It's the only waterfront home in the area currently offered under $450,000.
The Home
3 bedrooms, 2 updated bathrooms, large 2-car garage
Newer tile flooring throughout
Roof is only 6 years old
$6,000 water softening system
Solar panels keep utilities under $75/month, even in summer
2-year-old dock
Fruit trees: 3 mango trees and a Meyer lemon tree that bear fruit every year
Not in a flood zone
No HOA fees
Financing Opportunity -
Potential assumable FHA loan at approximately 4%, which could mean significant savings compared with current market rates. Assumption is subject to lender approval, buyer qualification, and FHA requirements.
The Lifestyle
Lake Padgett Estates gives you private access to 3 additional lakes, two of them ski lakes, with community boat ramps on all 4. Amenities include:
5 community parks and horse stables
Tennis and pickleball courts
Basketball court
Children's playgrounds
Covered picnic pavilions
Waterfront living. Private dock. Ski lakes. No flood zone. No HOA. Solar-low utilities. Potential 4% assumable FHA loan. Opportunities like this don't last. Home is on a lockbox, so schedule your showing today!
Listing Courtesy of: AMETHYST PROPERTY ADVISORS LLC
954-842-8683
| Listing Id: | TB8561275 |
|---|---|
| List Price: | $449,000 |
| Property Type: | Residential |
| Property Sub Type: | Single Family Residence |
| Status: | Active |
| Bedrooms Total: | 3 |
| Bathrooms Full: | 2 |
| Living Area: | 1,176 |
| Tax Annual Amount: | $5,830 |
| Lot Size Square Feet: | 11,000 |
| Lot Size Acres: | 0.25 |
| Waterfront?: | Yes |
| City: | Land O Lakes |
| County Or Parish: | Pasco |
| Subdivision Name: | Lake Padgett Estates |
| Postal Code: | 34639 |
| Year Built: | 1984 |
| Appliances: | Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer |
| Attached Garage?: | Yes |
| Bathrooms Total Integer: | 2 |
| Building Area Source: | Public Records |
| Building Area Total: | 2008 |
| Building Area Units: | Square Feet |
| Direction Faces: | West |
| Foundation Details: | Slab |
| Construction Materials: | Block |
| Cooling: | Central Air |
| Directions: | From US 41 (Land O Lakes Boulevard), head east on Bell Lake Road. Turn right onto Pine Shadow Drive and continue to 3202 Pine Shadow Drive. |
| Exterior Features: | Other, Private Mailbox |
| Flooring: | Tile |
| Furnished: | Unfurnished |
| Garage Spaces: | 2 |
| Garage?: | Yes |
| Heating: | Electric |
| Interior Features: | High Ceilings, Open Floorplan, Stone Counters, Thermostat |
| Laundry Features: | In Garage |
| Levels: | One |
| Ownership: | Fee Simple |
| Living Area Source: | Public Records |
| Living Area Units: | Square Feet |
| Lot Size Acres: | 0.25 |
| Postal Code Plus4: | 4516 |
| MLS Area Major: | 34639 - Land O Lakes |
| MLS Area Major: | 34639 - Land O Lakes |
| Original List Price: | $449,000 |
| Parcel Number: | 18-26-24-006.0-000.00-A28.0 |
| Parking Features: | Driveway |
| Stories Total: | 1 |
| Township: | 26S |
| Road Surface Type: | Asphalt |
| Roof: | Shingle |
| Listing Terms: | Assumable, Cash, Conventional, FHA, VA Loan |
| Tax Year: | 2025 |
| Sewer: | Public Sewer |
| Special Listing Conditions: | None |
| Water Body Name: | LAKE SAXON |
| State Or Province: | FL |
| Green Energy Generation: | Solar |
| Utilities: | Electricity Connected |
| View: | Water |
| Water Source: | Public |
| Public Survey Range: | 18E |
| Public Survey Section: | 24 |
| Zoning: | PUD |
| Possession: | Close Of Escrow |
| Waterfront Features: | Canal - Freshwater |
| Alternate Key Folio Num: | 182624006000000A280 |
| Association Approval Required Yn: | No |
| Available For Lease Yn: | Yes |
| Building Area Total Srch Sq M: | 186.55 |
| Calculated List Price By Calcula: | 381.80 |
| Cddyn: | No |
| Exist Lse Tenant Yn: | No |
| Flood Zone Code: | X |
| Flood Zone Date: | 2014-09-26 |
| Flood Zone Panel: | 12101C0404F |
| Green Verification Count: | 0 |
| Homestead Yn: | Yes |
| Lease Restrictions Yn: | No |
| Listing Exclusion Yn: | No |
| Living Area Meters: | 109.25 |
| Lot Size Square Meters: | 1022 |
| Minimum Lease: | 1 Month |
| Room Count: | 7 |
| Sdeo yn: | No |
| Total Acreage: | 1/4 to less than 1/2 |
| Unit Number Yn: | No |
| Water Access: | Canal - Freshwater |
| Water Access Yn: | Yes |
| Water Extras Yn: | No |
| Water Frontage Feet Canal Fresh: | 100 |
| Waterfront Feet Total: | 100 |
| Water View: | Yes |
| Yrs Of Owner Prior To Leasing Re: | 0 |
| Road Responsibility: | Public Maintained Road |
| Association 2 Yn: | 0 |
| Attribution Contact: | 954-842-8683 |
| Originating System Name : | Stellar MLS |
| Dock Description: | Dock - Wood |
| Dock Dimensions: | 8' x 8' |
| Dock Yn: | Yes |
| In Law Suite Yn: | No |
| Solar Panel Ownership: | Leased |
| Green Energy Generation Yn: | Yes |
| Solar Lease Finance Terms: | Assumable |
| Listing Contract Date: | 2026-10-25 |
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Property Last Updated: October 26, 2026 04:09 AM - ET
