20978 MONZA LOOP, LAND O LAKES, FL, 34638
Active95 days on marketListed Apr 25, 2026MLS #TB8500994
About this home
20978 MONZA LOOP
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.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,386
Sqft
0.16 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$178
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.
$3,462 /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
$3,462/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
−0.2%
$/sqft vs Land O Lakes actives
$178 vs $207
Days on market
95 vs 32 typical
Where $178/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 → $428K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
216 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 17% above 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 20978 MONZA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$465,000
20948 MONZA LOOP · same community
3 bd · 3 ba · 2,259 sqft · $206/sqft · 104 DOM
Sold · Sep ’25$435,000
20472 MONZA LOOP · same community
5 bd · 3 ba · 2,615 sqft · $166/sqft · 124 DOM
Sold · Jun ’26$435,000
20402 MONZA LOOP · same community
5 bd · 3 ba · 2,615 sqft · $166/sqft · 49 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20978 MONZA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20978 MONZA LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
20978 MONZA LOOP FAQs
What would the monthly payment be for 20978 MONZA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,462/mo — principal and interest, the actual property-tax bill, the $90/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 20978 MONZA LOOP?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20978 MONZA LOOP?+
The most recent tax bill on record (2025) was $6,271. 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 20978 MONZA LOOP?+
The listing reports pets: Yes. 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 $425,000, this home is listed about 3% above the Land O Lakes median of $413,946. The market section on this page shows how the area is trending.
Which schools are assigned to 20978 MONZA LOOP?+
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.
The brief
Five things that matter here
01Positioned at the premium end
$425,000 runs 17% above the LAND O LAKES 34638 median — but at 2,386 sqft it's also 18% larger than the typical Land O Lakes listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
95 days on market against a Land O Lakes median of 32 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Land O' Lakes High School, Connerton Elementary School, Pine View Middle School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $445,000, now $425,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Michael Cinquemano, Jr.. MLS #TB8500994.
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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