Active
$1,399,000
Est. $9,065/mo

20902 Ragan Ln, Land O Lakes, FL, 34638

$464/sqft·Lake Thomas Estates

3 bd3 ba3,013 sqft3 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8536718

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Est. monthly payment
$9,065/mo
Down payment (20%)
$279,800
Property taxes
$1,069/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2020
Waterfront
Lake Front
3 car garage
1.03 acres
Lot size
3,013 sqft
Living area

About this home

Crown MoldingHigh CeilingsStone CountersWalk-in Closet(s)Wet BarLightingPrivate EntrancePrivate Mailbox

20902 Ragan Ln is a 2020-built home in Lake Thomas Estates, Land O Lakes. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,013 square feet of living space. Listed at $1,399,000 (about $464/sqft), 10 days on market. Flood zone X, AE - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

LAKEFRONT on highly sought after BIG LAKE THOMAS. Custom built in 2020. Private ski lake with walk in access, dock, boatlift and private boat ramp. Home features gourmet kitchen with large island, gas range with double ovens, and side by side refrigerator and freezer. Wet bar with stainless sink and ice machine. Primary suite features sitting area and stunning spa-like en suite with double vanities, soaker tub and double walk in shower with 3 shower heads on each side. Therapeutic Hot Tub on back Lanai. Three way split floorplan with separate 1 car garage with 50AMP Electric car charger and 2 car garage. Enjoy peaceful resort style living with breathtaking waterfront views. NO HOA

The essentials

Built
2020
Price / sqft
$464
On market
21 days
Annual tax
$12,829
Flood zone
X, AE · Low risk
Lot
44,687 sqft
Type
Single Family Residence

Location

20902 Ragan Ln
Land O Lakes, FL, 34638·34638 - Land O Lakes
Type
Single Family Residence
Year Built
2020
Lot
44,687 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Lake Front
Days on Market
21
Crown Molding
High Ceilings
Stone Counters
Walk-in Closet(s)
Wet Bar
Lighting
Private Entrance
Private Mailbox
Private Yard
Rain Gutters
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Water Softener

Elementary

Connerton Elem

Middle

Pine View Middle-PO

High

Land O' Lakes High-PO

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

Homestead exemption on fileFlood Zone X, AE

Annual Tax (2025)

$12,829

Parcel #

18-26-02-0010-00000-0080

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 Thomas Estates

County

Pasco

MLS Area

34638 - Land O Lakes

Lot Size

44,687 sqft

Date
Event
Price
8/21/2026
Listed for sale
Source: Stellar MLS #TB8536718
$1,399,000
$464/sqft
Est. monthly payment$9,065/mo
Principal & interest$7,296
Property taxes$1,069
Insurance$700
Down payment20% · $279,800
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%. 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: $1,399,000
$1.39M – $1.40M
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 21.

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

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