$435,000

20978 Monza Loop

Land O Lakes, FL 34638

Listing updated: May 11, 2026 at 2:52 PM ET

Active

Beds

Baths

2,386

Sq Ft

0.16

Acres

2022

Built

◆$182/sqft◆360° tour

Single Family Residence

Property type

2022

Year built

6,906 sqft

Lot size

$182

Price / sq ft

$90/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

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 of thoughtfully designed living space with a BRIGHT, OPEN-CONCEPT layout. The main level is filled with NATURAL LIGHT and features a seamless flow between the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. The kitchen is anchored by a LARGE CENTER ISLAND with seating, complemented by sleek countertops, stainless steel appliances, ample cabinetry, and modern pendant lighting. Sliding glass doors open to the COVERED LANAI, enhancing the indoor-outdoor connection. Upstairs, a spacious loft provides FLEXIBLE LIVING SPACE for a second living area, media room, or home office, while the generously sized bedrooms offer comfort and privacy. The primary suite serves as a relaxing retreat with an en-suite bath featuring dual vanities, a walk-in shower, and plenty of storage, and a dedicated laundry room adds convenience. Out back, the covered lanai overlooks a PRIVATE YARD that backs to PEACEFUL GREENSPACE with NO REAR NEIGHBORS, creating a quiet setting to relax or entertain. The extended paver patio expands your outdoor living options, whether you’re hosting gatherings or simply enjoying the Florida lifestyle. Arden Preserve is a fully completed gated community with no ongoing construction, offering a more established and peaceful environment. Residents enjoy a PRIVATE WALKING PATH leading directly to Land O’ Lakes High School, a community dog park, and convenient access to nearby shopping, dining, and major roadways. This home combines modern construction, functional living space, and meaningful savings in one of Land O’ Lakes’ most desirable neighborhoods.

Estimated monthly payment

Principal & interest$2,200

Property taxes$523

Home insurance (est.)$199

HOA dues$90

Down payment

20%

$87,000 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 history16 days on market

Status: Active
Apr 26, 2026
Listed$445,000
Apr 25, 2026
Price reduced$435,000

Virtual Tour

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 16
Subdivision: Arden Preserve
County: Pasco
Year built: 2022
Living area: 2,386 sq ft
Price/sq ft: $182
Building area: 3,116 sq ft (Public Records)
Lot size: 6,906 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12101C0238F)
Garage: 2 spaces
Annual taxes: $6,271 (2025)
Parcel #: 18-26-02-0080-00400-0110
Zoning: MPUD
MLS #: TB8500994

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Interior Details

Bedrooms: 4
Full bathrooms: 2
Half bathrooms: 1
Flooring: Carpet, Luxury Vinyl, Tile
Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
Interior features: Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Thermostat, Window Treatments
Laundry: Laundry Room
Stories / Levels: Two
Direction faces: Northeast

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $90 / Monthly
Monthly HOA: $90/mo
Total monthly fees: $90/mo
Total annual fees: $1,080
HOA name: Home River / Arden
CDD: No
Homestead exemption: Yes
Min lease term: 1-2 Years
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: Buyer to verify lease restrictions with HOA
Approval process: Buyer to verify approval procces with HOA

Exterior & Construction

Exterior features: Garden, Private Yard, Sidewalk, Sliding Doors
Construction materials: Block, Stucco, Frame
Roof: Shingle
Foundation: Slab
Road surface: Asphalt, Paved

Utilities

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

Community

Pets allowed: Yes

Schools

ElementaryConnerton ElemGreatSchools ↗

MiddlePine View Middle-POGreatSchools ↗

High SchoolLand O' Lakes 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
Den	First	11.33x11.25
Living Room	First	18.5x15.67
Dining Room	First	9.08x15.67
Kitchen	First
Primary Bedroom	Second	16.42x14.5
Primary Bathroom	Second
Loft	Second	12x14.08
Bedroom 2	Second	10.5x11.42
Bedroom 3	Second	10.58x12.08
Bedroom 4	Second	12.5x10.67
Bathroom 2	Second

Listing Details

Listing date: 2026-04-24
On market date: 2026-04-25
Original list price: $445,000
Occupant type: Owner
MLS area: 34638 - Land O Lakes
Listing AOR: Suncoast Tampa
Status changed: 2026-04-26
Tax legal description: ARDEN PRESERVE PB 82 PG 112 BLOCK 4 LOT 11

Flood risk

Minimal riskFEMA Zone XPanel 12101C0238F

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

From FL-54 head North on Land O Lakes Blvd, Left on Wisteria Loop, Right on Matero Way, Left on Monza Loop

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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 May 11, 2026 at 2:52 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.

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