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$1,399,000

20902 Ragan Lane

Land O Lakes, FL 34638

Listing updated: August 22, 2026 at 6:51 AM ET

Active

Listing courtesy of Charles Rutenberg Realty Inc · Linda Wright · MLS #TB8536718 · Active · 727-538-9200

Beds

Baths

3,013

Sq Ft

1.03

Acres

2020

Built

◆Waterfront◆Water access◆3-car garage◆1.03 acres◆$464/sqft◆360° tour

Single Family Residence

Property type

2020

Year built

44,687 sqft

Lot size

$464

Price / sq ft

No HOA

HOA dues

Day on market

Garage spaces

X, AE

Flood zone

About this home

LAKEFRONT on highly sought after BIG LAKE THOMAS. Custom built in 2020. Private ski lake with walk in access, dock, boatlift and private boat ramp. Home features gourmet kitchen with large island, gas range with double ovens, and side by side refrigerator and freezer. Wet bar with stainless sink and ice machine. Primary suite features sitting area and stunning spa-like en suite with double vanities, soaker tub and double walk in shower with 3 shower heads on each side. Therapeutic Hot Tub on back Lanai. Three way split floorplan with separate 1 car garage with 50AMP Electric car charger and 2 car garage. Enjoy peaceful resort style living with breathtaking waterfront views. NO HOA

Estimated monthly payment

Principal & interest$7,074

Property taxes$1,069

Home insurance (est.)$641

Down payment

20%

$279,800 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 history1 days on market

Status: Active
Aug 21, 2026
Listed$1,399,000
Aug 21, 2026
Price increased$1,399,000

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 1
Subdivision: Lake Thomas Estates
County: Pasco
Year built: 2020
Living area: 3,013 sq ft
Price/sq ft: $464
Building area: 4,796 sq ft (Owner)
Lot size: 44,687 sq ft
Lot category: 1 to less than 2
Flood zone: X, AE (12101C0401F)
Garage: 3 spaces
Annual taxes: $12,829 (2025)
Parcel #: 18-26-02-0010-00000-0080
Zoning: R1
MLS #: TB8536718

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Interior Details

Bedrooms: 3
Full bathrooms: 3
Flooring: Carpet, Hardwood, Tile
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer, Water Softener
Interior features: Crown Molding, High Ceilings, Stone Counters, Walk-In Closet(s), Wet Bar
Laundry: Inside, Laundry Room
Stories / Levels: One
Direction faces: North

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 3
Attached garage: Yes

HOA & Financial

Total monthly fees: $0/mo
Total annual fees: $0
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: Lighting, Private Entrance, Private Mailbox, Private Yard, Rain Gutters, Sliding Doors
Construction materials: Block, Stone, Stucco
Roof: Shingle
Foundation: Slab, Stem Wall
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Asphalt

Utilities

Sewer: Septic Tank
Water source: Canal/Lake For Irrigation, Private, Well
Utilities: Private

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
Primary Bedroom	First	20x16
Bathroom 1	First	16x10
Bedroom 2	First	13x10
Bathroom 2	First	11x6
Bedroom 3	First	12x11
Dining Room	First	16x14
Kitchen	First	17x13
Great Room	First	23x21
Office	First	14x10
Bathroom 3	First	7x5

Listing Details

Listing date: 2026-08-20
On market date: 2026-08-21
Original list price: $1,399,000
Occupant type: Owner
MLS area: 34638 - Land O Lakes
Listing AOR: Suncoast Tampa
Status changed: 2026-08-21
Tax legal description: LAKE THOMAS ESTATES PB 3 PG 132 PORTION OF LOT 8 DESC AS FOR POB COM AT NW COR OF LOT 8 TH N89DEG 59'30"E ALG N LN OF SAID LOT 8 30.00 FT TH S00DEG 09'00"W 116.52 FT TH S48DEG 55'56"E 66.17 FT TH S00DEG 09'00"W 485.00 FT TO POINT ON SOUTH LINE OF SAID LOT 8 TH S89DEG 59'30"W 80.00 FT TO SW COR OF LOT 8 TH N00DEG 09' 00"E ALG WEST LINE OF SAID LOT 8 645.00 FT TO POB; TOGETHER WITH INGRESS & EGRESS EASEMENT FOR LAKE ACCESS DESC AS COM AT NW COR OF LOT 8 TH N89DEG 59'30"E 30.00 FT TH S00DEG 09'00"W 116.52 FT TH S48DEG 55'56"E 66.17 FT FOR POB TH N89DEG 59'30"E 15.00 FT TH S00DEG 09' 00"W 200.00 FT TJ S89DEG 59' 30"W 15.00 FT TH N00DEG 09' 00"E 200.00 FT TO POB; AKA LOT 8B OR 9389 PG 264 OR 9443 PG 3787

Flood risk

Zone X, AEFEMA Zone X, AEPanel 12101C0401F

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

Hwy 41 North approximately 5 miles North of SR 54, turn Left onto Tower Road. Go Approx. 1 mile and turn Left onto Little Lake Thomas Road. Then turn Right onto Ragan Lane. House is first driveway on the right.

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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 August 22, 2026 at 6:51 AM 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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