10130 COLDWATER LOOP, Land O Lakes, FL, 34638 | $450,000

Welcome to this inviting Land O’ Lakes POOL home offering 4 bedrooms, 2. 5 bathrooms, and a 2 car garage, designed for both everyday comfort and easy entertaining. You are greeted by a beautiful foyer with tall ceilings and an elegant staircase that creates an impressive first impression. The home is completely carpet free and has been recently painted, giving it a fresh and clean feel throughout.
The kitchen is the heart of the home, featuring a spacious island that offers extra room for cooking, gathering, and hosting. It also includes a walk in pantry and a modern sensor activated faucet. Many of the outlets, ceiling fans, and the thermostat are WiFi enabled, adding SMART HOME convenience to daily living. Step outside to enjoy your own private backyard oasis. While the community does not have a pool, this home gives you the luxury of having your own. The fenced yard features a screened 15 x 30 pool that is 6 feet deep and equipped with a child safety fence, along with an ABOVE GROUND SPA that is perfect for unwinding at the end of the day. A half bath with direct access to the pool makes entertaining effortless. The backyard also includes a playground with pigeon pea and banana trees that add charm and future potential to the outdoor space. Additional highlights include a TANKLESS WATER HEATER and a charging outlet in the garage for electric vehicles. Major updates include a NEWER ROOF (2023) and a NEWER 5 ton AC UNIT both replaced approximately two years ago, offering peace of mind for years to come. The community offers a LOW HOA of approximately 70 dollars monthly, making this home an excellent value. This property blends space, comfort, and modern upgrades with resort style living in a desirable Land O’ Lakes location and is ready for its next chapter.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Closet
  • Style: Florida
  • Year Built: 2006
  • Garage: 2-car
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,365
  • Acreage: 0.13
  • Est. Taxes: $2,518
  • HOA Fee: $212 Quarterly
  • Lot Desc: Sidewalk
  • Pool: Child Safety Fence, In Ground, Lighting, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Refrigerator, Tankless Water Heater, Touchless Faucet
  • MLS#: TB8466378
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/TB8466378/10130coldwaterloop_landolakes_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/29/2026 11:11:47 AM)
Listing courtesy of REALTY ONE GROUP ADVANTAGE   Phone: 813-909-0909

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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10130 COLDWATER LOOP, Land O Lakes, FL, 34638

$450,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $360,000 $360,000 $360,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.209% 6.168% 5.609%
Monthly Tax Payment $210 $210 $210
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,044 $2,156 $2,918
Total Monthly Payment $2,329 $2,441 $3,203

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.