16657 SHELL BAY DRIVE, LAND O LAKES, FL, 34638
Active11 days on marketListed Jul 23, 2026MLS #TB8531651
About this home
16657 SHELL BAY DRIVE
55+ Beautiful Villa! Located in Angeline's Active Adult Lifestyle Community! This single-story home features 2 bedrooms / 2 bathrooms. The primary bedroom suite is spacious with a walk-in closet and a private bathroom. The open floor plan showcases the stylish kitchen, spacious dining room and welcoming living room for a cohesive flow that leads to a covered patio for outdoor dining and entertaining. The community features a private swimming pool with a patio, well-lit tennis courts and pickleball courts. The Angeline community is close to many shopping centers, golf courses, and I-275, which is an easy route to Tampa International Airport and the beaches too!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,614
Sqft
0.1 ac
Lot size
1
Garage
2022
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$183 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$183/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Land O Lakes actives
$2 vs $205
Days on market
11 vs 32 typical
Where $2/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 34638 — neighborhood snapshot
Population
35,900
Median age
37.7
Median income
$117,931
Median home value
$378,200
Avg household
3.15
Households w/ children
5,294
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 → $422K
Land O Lakes median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
220 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 99% below the LAND O LAKES 34638 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Reality check
What actually sold near 16657 SHELL BAY DRIVE
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$380,000
17738 ACORN DROP ROAD
3 bd · 2 ba · 1,560 sqft · $244/sqft · 0 DOM
Sold · Mar ’26$349,990
17819 ACORN DROP ROAD
3 bd · 2 ba · 1,560 sqft · $224/sqft · 33 DOM
Sold · Mar ’26$349,000
17789 ACORN DROP ROAD
3 bd · 2 ba · 1,560 sqft · $224/sqft · 52 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 16657 SHELL BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16657 SHELL BAY DRIVE — 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
16657 SHELL BAY DRIVE FAQs
What would the monthly payment be for 16657 SHELL BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $183/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 16657 SHELL BAY DRIVE?+
The listing reports pets: No. 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 $3,200, this home is listed about 99% below the Land O Lakes median of $413,946. The market section on this page shows how the area is trending.
Which schools are assigned to 16657 SHELL BAY DRIVE?+
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
01Under the LAND O LAKES 34638 market on paper
$3,200 is 99% below the LAND O LAKES 34638 median of $360,500, and at $2/sqft it sits under the Land O Lakes average of $216.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
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 FUTURE HOME REALTY INC · Janice Wolfman. MLS #TB8531651.
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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