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4422 Havelocke Dr, Land O Lakes, FL, 34638

$192/sqft·Oakstead Prcl 05

5 bd2 ba2,444 sqft2 car garageSingle Family
Listed by FUTURE HOME REALTY INC· Last updated · MLS# TB8528701

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

Est. monthly payment
$3,315/mo
Down payment (20%)
$94,000
Property taxes
$623/mo
HOA
$70/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2005
2 car garage
8,156 sqft lot
Lot size
2,444 sqft
Living area

About this home

Ceiling Fans(s)Kitchen/Family Room ComboSolid Wood CabinetsSplit BedroomStone CountersDeed RestrictionsGated Community - No GuardDishwasher

4422 Havelocke Dr is a 2005-built home in Oakstead Prcl 05, Land O Lakes. Inside you'll find 5 bedrooms, 2 bathrooms, and 2,444 square feet of living space. Listed at $470,000 (about $192/sqft), 39 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $70 annually.

From the listing

FHA ASSUMABLE LOAN — 3.625% INTEREST RATE Welcome home to this beautifully maintained 5-bedroom, 2-bathroom property in the sought-after, gated community of Oakstead. Tucked away with no rear neighbors, this home offers true privacy — with deer wandering by for that peaceful, nature-close feel. Step inside to an open, split floor plan designed for both everyday living and entertaining, featuring gorgeous vinyl flooring throughout. Upstairs, a spacious loft offers endless flexibility — perfect as a bonus room, playroom, or home office. Abundant natural light fills every room, creating warm, inviting spaces for the whole family. Enjoy peace of mind with a new roof (2024) and a recently replaced one of the AC units (2 years old). Add to that fantastic curb appeal, and this home is as move-in ready as it is beautiful. Living in Oakstead means resort-style amenities right outside your door: a sparkling community pool and kiddie pool, tennis and basketball courts, a clubhouse with a fitness center, and scenic nature trails — all within a secure, gated setting. Don't miss this rare opportunity to own a home with an incredibly low, assumable interest rate in one of the area's most desirable communities!

The essentials

Built
2005
Price / sqft
$192
On market
56 days
Annual tax
$7,473
HOA
$70/yr
Flood zone
X · Low risk
Lot
8,156 sqft
Type
Single Family Residence

Location

4422 Havelocke Dr
Land O Lakes, FL, 34638·34638 - Land O Lakes
Type
Single Family Residence
Year Built
2005
Lot
8,156 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
56
Ceiling Fans(s)
Kitchen/Family Room Combo
Solid Wood Cabinets
Split Bedroom
Stone Counters
Deed Restrictions
Gated Community - No Guard
Dishwasher
Microwave
Range
Refrigerator

Elementary

Oakstead Elementary-PO

Middle

Charles S. Rushe Middle-PO

High

Sunlake High School-PO

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileIn a CDD (Community Development District)Flood Zone X

Annual Tax (2025)

$7,473

Parcel #

15-26-18-0010-02100-0170

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

Oakstead Prcl 05

County

Pasco

MLS Area

34638 - Land O Lakes

Lot Size

8,156 sqft

HOA
$70/yr
Rebecca Anderson
Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #TB8528701
$470,000-1.9%
$192/sqft
7/17/2026
Listed for sale
Source: Stellar MLS #TB8528701
$479,000
$196/sqft
Est. monthly payment$3,315/mo
Principal & interest$2,451
Property taxes$623
Insurance$235
HOA$6
Down payment20% · $94,000
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

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List price: $470,000
$467,500 – $470,000
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 56 after a $9,000 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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