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20978 Monza Loop, Land O Lakes, FL 34638

Land O Lakes
Local realty services provided by:CENTURY 21 Results
20978 Monza Loop,Land O Lakes, FL 34638
$415,000
  • 4 Beds
  • 3 Baths
  • - sq. ft.
  • Single family
  • Sold
Listed by: michael cinquemano, jr.
Office: mihara & associates inc.
MLS#:TB8500994
Source:MFRMLS

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Price summary

  • Price:$415,000
  • Monthly HOA dues:$90

About this home

ASSUMABLE 3% MORTGAGE! This loan can be assumed by a non-veteran or a veteran. The buyer will need roughly $40,000 difference between the payoff and loan amount plus closing cost. Interested buyers should have $50,000 available to bring to closing. This is a once in a lifetime opportunity to assume a 3% interest rate in a much higher market! 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...

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Home facts

  • Year built:2022
  • Subdivision & Development:ARDEN PRESERVE
  • Listing ID #:TB8500994
  • Added:189 day(s) ago
  • Updated:November 01, 2026 at 02:59 AM

Rooms and interior

  • Bedrooms:4
  • Total bathrooms:3
  • Full bathrooms:2
  • Half bathrooms:1
  • Flooring:Carpet, Luxury Vinyl, Tile
  • Dining Description:Living Room/Dining Room Combo
  • Kitchen Description:Dishwasher, Kitchen/Family Room Combo, Microwave, Range, Refrigerator, Water Softener
  • Bedroom Description:Primary Bedroom Upstairs

Heating and cooling

  • Cooling:Central Air
  • Heating:Central
  • Central air:Yes

Structure and exterior

  • Roof:Shingle
  • Year built:2022
  • Lot Features:Landscaped, Level, Paved, Private, Sidewalk
  • Construction Materials:Block, Frame, Stucco
  • Exterior Features:Front Porch, Garden, Patio, Rear Porch, Sidewalk
  • Foundation Description:Slab
  • Levels:2 Story

Schools

  • High school:Land O' Lakes High-PO
  • Middle school:Pine View Middle-PO
  • Elementary school:Connerton Elem

Utilities

  • Water:Public, Water Connected
  • Sewer:Public, Public Sewer, Sewer Connected

Finances and disclosures

  • Price:$415,000
  • Tax amount:$6,271 (2025)

Features and amenities

  • Appliances:Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
  • Laundry features:Dryer, Laundry Room, Washer
  • Amenities:Cable Available, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Upstairs, Thermostat, Underground Utilities, Window Treatments
  • Pool features:Public Pool

Parking

  • Parking description:Attached Garage
  • Garage:Yes
  • Garage spaces:2
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