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$329,900

10902 Tree Cactus Loop

Land O Lakes, FL 34638

Listing updated: June 26, 2026 at 7:51 PM ET

Active

Listing courtesy of Homesmart · Cheryl Kypreos · MLS #TB8499856 · Active · 407-476-0461

Beds

Baths

2,440

Sq Ft

0.13

Acres

2005

Built

◆$135/sqft◆360° tour

Single Family Residence

Property type

2005

Year built

5,500 sqft

Lot size

$135

Price / sq ft

$80/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

Virtually Staged. Welcome to this inviting home featuring nice curb appeal and a well-designed layout. Inside, you’ll find an open living room with direct access to the backyard, creating a seamless indoor-outdoor flow. A separate dining room offers the perfect space for gatherings and everyday meals. The home features a blend of luxury vinyl plank, tile, and carpet flooring throughout for both style and comfort. The spacious primary suite includes dual sinks and a separate tub, providing a relaxing retreat. Additional highlights include a versatile loft upstairs, a separate laundry room, and a two-car garage for added convenience. This home offers a great combination of functionality and comfort—an opportunity you won’t want to miss.

Local Insight

At $135/sqft in Land O Lakes, you're getting solid value for a well-maintained 2005 home in a flood-free zone with decent schools, though the 0.13-acre lot is tight and the $80 monthly HOA is on top of your mortgage. The three full baths are a practical plus for a three-bedroom, but this property's appeal really hinges on whether you're comfortable in a dense subdivision setting—this is built-out suburban living, not much breathing room. Take a hard look at the 360° tour to assess the actual condition inside, since a nearly 20-year-old home at this price point could go either way depending on how well it's been maintained.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$1,668

Property taxes$505

Home insurance (est.)$151

HOA dues$80

Down payment

20%

$65,980 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history60 days on market

Status: Active
Jun 26, 2026
Listed$359,900
Apr 23, 2026
Price reduced$329,900

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 60
Subdivision: Suncoast Lakes Ph 01
County: Pasco
Year built: 2005
Living area: 2,440 sq ft
Price/sq ft: $135
Lot size: 5,500 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12101C0208F)
Garage: 2 spaces
Annual taxes: $6,055 (2025)
Parcel #: 13-25-17-0010-00900-0020
Zoning: MPUD
MLS #: TB8499856

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Interior Details

Bedrooms: 3
Full bathrooms: 3
Flooring: Carpet, Luxury Vinyl, Tile
Appliances: Dishwasher, Microwave, Range, Refrigerator
Interior features: Ceiling Fans(s), Primary Bedroom Main Floor, Walk-In Closet(s), Window Treatments
Laundry: Laundry Room
Stories / Levels: Two
Direction faces: Southeast

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $240 / Quarterly
Monthly HOA: $80/mo
Total monthly fees: $80/mo
Total annual fees: $960
HOA name: Suncoast Lakes HOA/Qualified Property Management
CDD: No
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: No
Additional lease restrictions: Buyer and Buyer's Agent to verify leasing restrictions directly with HOA.
Approval process: Buyer and Buyer's Agent to verify approval process directly with HOA.

Exterior & Construction

Exterior features: Sidewalk
Construction materials: Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Electricity Connected, Sewer Connected, Underground Utilities, Water Connected

Community

Pets allowed: No

Schools

ElementaryMary Giella Elementary-POGreatSchools ↗

MiddleCrews Lake Middle-POGreatSchools ↗

High SchoolHudson High-POGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Primary Bedroom	First	12x24
Bedroom 1	First	12x12
Bedroom 2	Second	10x14
Dining Room	First	12x10
Kitchen	First	12x16
Living Room	First	15x27
Laundry	First	7x5
Loft	Second	16x15

Listing Details

Listing date: 2026-04-20
On market date: 2026-04-23
Original list price: $359,900
Occupant type: Vacant
MLS area: 34638 - Land O Lakes
Listing AOR: Suncoast Tampa
Status changed: 2026-06-26
Tax legal description: SUNCOAST LAKES PHASE 1 PB 47 PG 001 BLOCK 9 LOT 2 OR 9127 PG 1112 OR 9199 PG 1646

Flood risk

Minimal riskFEMA Zone XPanel 12101C0208F

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Head south on US-19, then go east on Hudson Ave and continue south on Fivay Rd. Turn west on Little Rd, then east on State Rd 52. Turn south onto Silver Palm Blvd, continue east through the circle onto Burning Bush Terrace, then turn north onto Tree Cactus Loop; the destination will be on the left.

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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.

Based on information submitted to the MLS GRID as of June 26, 2026 at 7:51 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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