$374,000
21439 Southern Charm DriveLand O Lakes, FL 34637
Listing updated: October 6, 2026 at 7:35 PM ET
Listing courtesy of Brainard Realty · Robert Zoller, Jr · MLS #TB8524379 · Active · 813-922-2891Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
**BUY THIS HOME WITH ZERO MONEY OUT OF POCKET!*** Yes, it may be possible! **21439 Southern Charm Drive is USDA eligible**, offering qualified buyers the opportunity for **100% financing with NO DOWN PAYMENT**. Combine that with available **SELLER CREDITS toward allowable closing costs**, and qualified buyers may be able to purchase this home with **$0 out of pocket at closing!** Now let's talk about the home. What if you could get **4 BEDROOMS, 2.5 BATHROOMS, 2,245 SQ FT, a 2-CAR GARAGE, and a CONSERVATION HOMESITE in Connerton for $374,000?** Built by Ryland Homes, this spacious property offers the room you've been looking for without sacrificing privacy or outdoor space. The home is positioned on a desirable **CONSERVATION HOMESITE WITH NO REAR NEIGHBORS**, providing a peaceful green backdrop and added privacy. Inside, you'll find a bright, functional floor plan with generous living spaces designed for everyday living and entertaining. The open main living area flows naturally into the kitchen and dining spaces, while four true bedrooms provide plenty of flexibility for guests, a home office, playroom, fitness space, or whatever fits your lifestyle. An **UPDATED HVAC SYSTEM** adds another valuable improvement. Step outside to the large backyard overlooking conservation—plenty of room for entertaining, gardening, playing, or simply relaxing and enjoying the Florida lifestyle. And then there's **CONNERTON**. Residents enjoy resort-style pools, clubhouses, fitness facilities, pickleball and tennis courts, basketball courts, parks, playgrounds, dog parks, miles of walking and biking trails, fishing ponds, community activities, and more. Conveniently located near shopping, dining, recreation, major roadways, and the developing **Moffitt Speros campus near Ridge Road**, this home combines space, privacy, amenities, and an outstanding financing opportunity. **4 BEDROOMS • 2,245 SQ FT • CONSERVATION • NO REAR NEIGHBORS • CONNERTON • USDA 100% FINANCING** Don't assume you need thousands of dollars saved to become a homeowner. **You may be able to buy this home with ZERO MONEY OUT OF POCKET. Ask us how and schedule your private showing today!**
Estimated monthly payment
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 history96 days on market
- Status: ActiveJul 2, 2026
- Listed$419,900Jul 2, 2026
- Price reduced$374,000
Property Documents
Documents the listing agent has made public for this property. Free to view and download.
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 96
- Subdivision
- Connerton Village 2 Prcl 211
- County
- Pasco
- Year built
- 2013
- Living area
- 2,245 sq ft
- Price/sq ft
- $167
- Building area
- 2,665 sq ft (Owner)
- Lot size
- 7,475 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X* (12101C0239F)
- Garage
- 2 spaces
- Annual taxes
- $8,335 (2025)
- Parcel #
- 18-25-25-008.0-016.00-022.0
- Zoning
- MPUD
- MLS #
- TB8524379
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Ceramic Tile, Vinyl
- Appliances
- Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater, Washer, Water Softener
- Interior features
- Ceiling Fans(s), High Ceilings, In Wall Pest System
- Laundry
- Laundry Room
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $261 / Quarterly
- Monthly HOA
- $87/mo
- Total monthly fees
- $87/mo
- Total annual fees
- $1,044
- HOA name
- Castle Group/Jesmeri Ortiz
- CDD
- Yes
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer or Buyers agent is required to do their due diligence with the HOA lease restrictions.
- Approval process
- Buyer or Buyers agent is required to do their due diligence with the HOA lease restrictions.
Exterior & Construction
- Exterior features
- Hurricane Shutters, Private Mailbox, Rain Gutters
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt, Concrete
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, Number Limit
Schools
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 |
|---|---|---|
| Living Room | First | 17x16 |
| Kitchen | First | 19x13 |
| Dining Room | First | 13x12 |
| Primary Bedroom | Second | 17x14 |
| Bedroom 2 | Second | 12x12 |
| Bedroom 3 | Second | 12x12 |
| Bedroom 4 | Second | 12x12 |
| Bonus Room | Second | 16x13 |
Listing Details
- Listing date
- 2026-07-02
- On market date
- 2026-07-02
- Original list price
- $419,900
- Occupant type
- Vacant
- MLS area
- 34637 - Land O Lakes
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-07-02
- Tax legal description
- CONNERTON VILLAGE TWO PARCEL 211 PB 58 PG 056 BLOCK 16 LOT 22
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Take Exit 279 for State Road 54. Head west on SR 54 for approximately 4.5 miles. Turn right onto US-41 (Land O' Lakes Blvd). Continue north for about 3 miles. Turn right onto Pleasant Plains Parkway (Connerton entrance). At the first traffic circle, take the 1st exit to stay on Pleasant Plains Parkway. Continue as the road curves and becomes Wonderment Way. Turn right onto Southern Charm Drive. 21439 Southern Charm Dr will be on your right.
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Listing provided by Stellar MLS
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 October 6, 2026 at 7:35 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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