23450 CHERBOURG LOOP, LAND O LAKES, FL, 34639
Active0 days on marketListed Aug 7, 2026MLS #TB8533979
About this home
23450 CHERBOURG LOOP
Welcome to Lake Padgett Estates East, one of Land O' Lakes most established and highly sought after communities, where this beautifully updated 3 bedroom, 2 bathroom WATER FRONT HOME offers the perfect combination of modern upgrades, peaceful water views, and an incredible lifestyle. With NO CDD, a LOW HOA, and a NEW ROOF (2025), this move-in ready home delivers exceptional value from the moment you arrive. This home offers a bright OPEN FLOOR PLAN, soaring VAULTED CEILINGS, and NO CARPET with lUXURY VINYL FLOORING THROUGHOUT. The heart of the home is the COMPLETELY REMODELED KITCHEN, thoughtfully designed with custom solid wood soft-close cabinetry, stunning stone countertops, an oversized center island, BUILT-IN WOLF APPLIANCES, PREMIUM BUILT-IN REFRIGERATOR, designer range HOOD, and abundant storage, creating the perfect space for everyday living and entertaining. This is a TRUE CHEF’S KITCHEN. The spacious primary suite is a relaxing retreat featuring a BEAUTIFULLY REMODELED BATHROOM, generous WALK-IN CLOSET, and even Bluetooth shower speakers to elevate your daily routine. Additional upgrades include PLANTATION SHUTTERS, a UV LIGHT SYSTEM within the AC, surge protection, water softener, and NEW WATER HEATER (2025), UPDATED WINDOWS, giving peace of mind for years to come. Step outside and enjoy one of this home's best features, the PEACEFUL WATER VIEWS. The oversized backyard offers endless possibilities, whether you envision adding a pool, creating an outdoor kitchen, expanding the entertaining space, or simply enjoying quiet evenings under the shaded PERGOLA overlooking the WATER VIEW. Living in Lake Padgett Estates East means enjoying an unmatched lifestyle. Residents have access to a resort- style community pool, clubhouse with restaurant and bar, fitness center, tennis courts, basketball courts, racquetball, jogging track, playground, dog park, picnic areas, and more. The beautifully maintained community is known for its mature oak trees, scenic canals, and welcoming atmosphere, all while being conveniently located near shopping, dining, Tampa Premium Outlets, top-rated schools, Veterans Expressway, and I-75. If you've been searching for a BEAUTIFULLY REMODELED WATER FRONT HOME with NO CDD, outstanding community amenities, and major recent improvements already completed, this is one you won't want to miss.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,730
Sqft
0.25 ac
Lot size
2
Garage
2002
Year built
One
Levels
$243
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,256 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,256/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.2%
Days on market
0 vs 42 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake Padgett Estates East
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Land O Lakes. See the full Land O Lakes guide →
Lake Padgett Estates East — neighborhood snapshot
Population
1,884
Median age
39
Median income
$86,033
Median home value
$297,979
Avg household
2
Households w/ children
167
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Land O Lakes market
$423K → $415K
Land O Lakes median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
Median sold price, Land O Lakes, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the LAND O LAKES 34639 median. See the full Land O Lakes market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jesus Claudio
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 23450 CHERBOURG LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23450 CHERBOURG LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jesus's phone and CRM.
Straight answers
23450 CHERBOURG LOOP FAQs
What would the monthly payment be for 23450 CHERBOURG LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,256/mo — principal and interest, the actual property-tax bill, the $60/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 23450 CHERBOURG LOOP?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23450 CHERBOURG LOOP?+
The most recent tax bill on record (2025) was $4,538. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 23450 CHERBOURG LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Land O Lakes?+
At $419,900, this home is priced right at the Land O Lakes median.
Which schools are assigned to 23450 CHERBOURG LOOP?+
Pine View Elementary School (elementary), Pine View Middle School (middle), Land O' Lakes High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$419,900 runs 11% above the LAND O LAKES 34639 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a Land O Lakes market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Pine View Elementary School, Pine View Middle School, Land O' Lakes High School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of FLORIDA EXECUTIVE REALTY · Dee Strom. MLS #TB8533979.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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