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5128 Hartwell Loop, Land O Lakes, FL, 34638

$224/sqft·Lake Talia Ph 1

5 bd3 ba2,923 sqft3 car garageSingle Family
Listed by AGILE GROUP REALTY· Last updated · MLS# TB8479838

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$4,544/mo
Down payment (20%)
$131,000
Property taxes
$700/mo
HOA
$301/qtr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2005
Waterfront
Pond
Private pool
Heated
3 car garage
Driveway
8,932 sqft lot
Lot size

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboPrimarybedroom UpstairsSplit BedroomStone CountersThermostat

5128 Hartwell Loop is a 2005-built home in Lake Talia Ph 1, Land O Lakes. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,923 square feet of living space. Listed at $655,000 (about $224/sqft), 165 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $301 quarterly.

From the listing

One or more photo(s) has been virtually staged. Fresh exterior paint just finished in July 2026!! Major updates include a newer roof (2024), two newer A/C systems(2024), and newer water heater (2023). With a total of 4,178 sqft, you have room for everything! With almost 3,000 heated sqft, this 5-bedroom plus flex room, plus upstairs loft, 3 full bathrooms (one connects to the exterior), heated salt-water pool home with no rear neighbors, is located in the desirable gated community of Lake Talia, offering NO CDD and a low HOA in a non-flood zone. The home features a spacious family room and casual dining space overlooking the pool, and an upstairs extended loft. The kitchen offers granite countertops, a lazy-susan corner organizer, pull-out cabinet organizers, a walk-in pantry, and ample preparation space, with luxury vinyl flooring throughout. Enjoy outdoor living with a screened lanai, covered patio, pavers pool deck, and heated pool overlooking a serene pond with illuminated fountain. Additional highlights include a three-car garage, large lot with a decent separation between homes, A-rated schools, and convenient access to shopping, dining, and major roadways. Located within a walking distance to Sanders Memorial Elementary School (A+ charter school). Community offers a basketball court, shaded playground, open green fields and a great scenery for your morning or afternoon walks around its multiple ponds.

The essentials

Built
2005
Price / sqft
$224
On market
183 days
Annual tax
$8,403
HOA
$301/qtr
Flood zone
X · Low risk
Lot
8,932 sqft
Type
Single Family Residence

Location

5128 Hartwell Loop
Land O Lakes, FL, 34638·34638 - Land O Lakes
Type
Single Family Residence
Year Built
2005
Lot
8,932 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Pool
Deck, Heated, Screen Enclosure
Waterfront
Pond
Days on Market
183
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Primarybedroom Upstairs
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sprinkler Metered
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X

Annual Tax (2025)

$8,403

Parcel #

12-26-18-0090-00300-0140

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Lake Talia Ph 1

County

Pasco

MLS Area

34638 - Land O Lakes

Lot Size

8,932 sqft

SidewalkPavedPrivate
HOA
$301/qtr
Angel McCarthy LCAM / Lake Talia HOA
Date
Event
Price
5/22/2026
Price change
Source: Stellar MLS #TB8479838
$655,000-2.9%
$224/sqft
Price change
Source: Stellar MLS #TB8479838
$674,900-2.2%
$231/sqft
3/12/2026
Listed for sale
Source: Stellar MLS #TB8479838
$690,000+15.2%
$236/sqft
4/26/2023
Sold
Source: Pasco County Public Record
$599,000
$205/sqft
Est. monthly payment$4,544/mo
Principal & interest$3,416
Property taxes$700
Insurance$328
HOA$100
Down payment20% · $131,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $655,000
$650,000 – $655,000
99.5% – 100% of listTops out right at the list price
80% of listList price
151 of the last 264 home closings in 34638 landed at this number or higher (57%). The median one sat 43 days before it went under contract, and this one is on day 183 after a $35,000 cut.

Sample: 264 closed home sales in 34638 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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