21629 SILVER BAY PLACE, LAND O LAKES, FL, 34637
Active53 days on marketListed Jun 17, 2026MLS #TB8514131
About this home
21629 SILVER BAY PLACE
Lakeside Paradise in Silver Lakes Welcome Home! Nestled on a quiet cul-de-sac in the highly coveted, private enclave of Silver Lakes, this 3-bedroom, 2-bath, plus office, 2,120 sq. ft. residence offers your own personal piece of paradise on a pristine, spring-fed lake. With only 36 homes in the entire community, you'll enjoy unmatched privacy, incredibly low HOA fees, and absolutely no CDD fees. The Lakeside Lifestyle Step out to your private patio and dock to nature-watch, fish, or launch a canoe into the tranquil waters. The backyard serves as a peaceful, maturely landscaped getaway, complete with ambient uplighting and an extended lanai with elegant paver stones. Residents also enjoy boat ramp access to the beautiful, 26-acre Curve Lake, as well as a short .57-mile bike or walking path to the nearby Caliente Resort. Premium Interior & Structural Upgrades Inside, an effortless open-concept floor plan connects to a bright kitchen—featuring custom glass panel windows—directly to the main living area. The thoughtful split-bedroom floor plan ensures ultimate privacy for the primary suite. This home has been meticulously updated with high-end features and crucial mechanical lifespans already taken care of: The Ultimate Home Office: Custom built-in shelving, bookcases, integrated filing cabinets, and an entertainment center equipped with surround sound and an amplifier. Elegant Touches: A stunning, genuine crystal chandelier imported from Sweden accents the home, while the primary shower boasts a luxurious heated towel rack and jacuzzi tub. Modern Flooring: Brand new laminate wood flooring runs through all three bedrooms. Big-Ticket Reliability: A brand-new HVAC system (2025), new water heater (2025), and a solid 2019 roof mean absolute peace of mind for years to come. Note to Buyers: Please verify all room measurements and specific HOA rules/regulations via Public Records.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,120
Sqft
0.35 ac
Lot size
2
Garage
2004
Year built
One
Levels
$292
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.
$4,109 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,109/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+42.3%
$/sqft vs Land O Lakes actives
$292 vs $203
Days on market
53 vs 42 typical
Where $292/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 34637 — neighborhood snapshot
Population
11,398
Median age
36.9
Median income
$114,328
Median home value
$385,700
Avg household
2.86
Households w/ children
1,491
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 → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
208 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 58% above the LAND O LAKES 34637 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 21629 SILVER BAY PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$479,800
21729 MCCALLIE COURT · same community
3 bd · 2 ba · 2,148 sqft · $223/sqft · 13 DOM
Sold · Jan ’26$645,000
6428 BARCELLONA ROAD · same community
4 bd · 2 ba · 2,228 sqft · $289/sqft · 96 DOM
Sold · Mar ’26$510,000
21547 SILVER BAY PLACE · same community
3 bd · 2 ba · 2,241 sqft · $228/sqft · 0 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 21629 SILVER BAY PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21629 SILVER BAY PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
21629 SILVER BAY PLACE FAQs
What would the monthly payment be for 21629 SILVER BAY PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,109/mo — principal and interest, the actual property-tax bill, the $107/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 21629 SILVER BAY PLACE?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21629 SILVER BAY PLACE?+
The most recent tax bill on record (2025) was $3,163. 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 21629 SILVER BAY PLACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $620,000, this home is listed about 48% above the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 21629 SILVER BAY PLACE?+
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
Three things that matter here
01Positioned at the premium end
$620,000 runs 58% above the LAND O LAKES 34637 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of SUN N FUN REALTY · Sophia Necker. MLS #TB8514131.
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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