1 / 33

Active

Active·3 days on market

17812 Souter Lane

Land O'Lakes, FL 34638

$689,000$262/sqftEst. $3,513/moMLS# 2156245

Beds

Baths

2,629

Sq Ft

2005

Built

Garage

Pool

About this home

Land O'Lakes

Welcome to 17812 Souter Lane in the highly sought-after Castleway at Ballantrae community in Land O' Lakes. This beautifully maintained 4-bedroom, 3-bath home with a dedicated study offers over 2,600 square feet of thoughtfully designed living space, blending comfort, style, and functionality.

Cost to own

Mortgage calculator

Home Price

$689,000

Down Payment: 20%

$137,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,513

Principal & Interest: $3,513

Insurance (est.): $459

Estimated Total Monthly

$3,972

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,513

HOAbilled quarterly$57

Estimated total, before insurance$3,570/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Pasco County Utilities service address · Public water (record)

County records show this parcel on central sewer served by Pasco County Utilities service address — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,820 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 20, 2026Listed$689,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$689,000

Price / Sq Ft$262

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,629

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Ranch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryOther

MiddleOther

HighOther

Community Information

Address17812 Souter Lane, Land O'Lakes, FL 34638

Area993-Out Of Area-South

SubdivisionNot Validd

CityLand O'Lakes

CountyPasco

StateFL

Zip Code34638

Parcel Number2026180070004000060

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Electric Range, ENERGY STAR Qualified Dishwasher, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne and One Half

LaundryElectric Dryer Hookup, Sink, Washer Hookup

SecurityFire Alarm, Security System Owned, Smoke Detector(s)