Land O' Lakes › Lake Thomas Estates

20902 Ragan Ln

Land O Lakes, FL 34638
$1,399,000
3 bed3 bath3,013 sqftSingle-family home · built 2020

Listed at $464 per sq ft. Median for single-family homes with 3 bedrooms in Land O' Lakes sold in the last 12 months: $233 per sq ft.

183 sales · Stellar MLS, credited below

What stands out about this home

Compared with single-family homes like it, within product classi
Size
Larger than 85% of single-family homes sold in Land O' Lakes
1,228 single-family home sales · Jan 2024 - Oct 2026
Price
Listed 104% above the typical price for a single-family home its size in Land O' Lakes
1,228 single-family home sales · Jan 2024 - Oct 2026
Standout feature
Waterfront: 20% of single-family homes listed in Land O' Lakes are
532 single-family home listings · Apr 2006 - Oct 2026
Age
Newer than 88% of single-family homes in Land O' Lakes
1,834 homes · Apr 2006 - Oct 2026
Compared against 40 similar homes sold within 1.1 mi.

About this property

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

Property details

Year built2020
Lot size1.03 ac
HOANot stated
Parking3-car
Days on market10
MLS#TB8536718
LightingPrivate entrancePrivate mailboxPrivate yardRain guttersCrown molding
All features →
  • Lighting
  • Private entrance
  • Private mailbox
  • Private yard
  • Rain gutters
  • Crown molding
  • High ceilings
  • Stone counters
  • Walk-in closets
  • Wet bar
  • Dishwasher
  • Disposal
  • Dryer
  • Electric water heater
  • Microwave
  • Range
  • Range hood
  • Refrigerator
  • Washer
  • Water softener
  • Carpet flooring
  • Hardwood flooring
  • Tile flooring
  • Water view
  • Central air conditioning
  • Central heating
  • Electric heating
  • Shingle roof
  • Slab foundation
  • Stem wall foundation
  • Block construction
  • Stone construction
  • Stucco construction
  • Single story
  • Inside laundry
  • Laundry room
  • Private
  • Smoke detectors
  • Garage
  • Waterfront
  • Stainless steel appliances

The market for homes like this

Single-family homes with 3 bedrooms in Land O' Lakes
i
Median sold price$362,000183 sales · last 12 months
Median price per sq ft$233183 sales · last 12 months
Median rent$2,200/mo46 leases · last 12 months
Median days to lease3546 leases · last 12 months

Land O' Lakes, as its listings describe it

What agents stated on listings, 2006 – 2026i
Community pool46%of 491 listings
HOA fee, median$83/moof 475 listings
Has an association83%of 725 listings
Pets allowed90%of 878 listings
Minimum lease, most commonNo Minimum45% of 564 listings · next: 1–2 Years
Lease restrictions49%of 567 listings
Association approval required30%of 510 listings
Private pool23%of 936 listings
Gated44%of 491 listings
Public water · sewer87% · 86%of 623 · 648 listings
Flood zone (A or V)6%of 663 listings
55+ communityNo100% of 727 listings · next: Yes
Homestead share Lake Thomas EstatesNot enough sales yet to report on their own
Also stated: waterfront 17% of 728 listings; CDD 9% of 594.

Price and time on market

This listing against homes like iti
Price per sq ft
Listed at $464 per sq ft, 100% above the $233 median for 3-bedroom single-family homes in Land O' Lakes sold in the last 12 months
183 sales · last 12 months
Time on market
On the market 10 days; 3-bedroom single-family homes in Land O' Lakes took a median of 29 days to sell in the last 12 months
183 sales · last 12 months
Price history
Listed at $1,399,000 since Aug. 20, 2026 with no price change

Cost of ownership

What this home costs to hold, from public recordsi
Current owner's taxes
i
$12,829 (2025)
As stated on the listing for 2025
Estimated taxes at this price
i
About $18,900/yr homesteaded, $19,600/yr as an investor
Estimated: the asking price through the county's price-to-value factor, at the parcel's published millage; assessments reset at sale
Typical electric bill
i
$151/mo (2024)
Typical: the utility's average residential bill for 2024 (not this home's)
Typical water and sewer
i
$85/mo at 5,000 gallons
Typical: the provider's published schedule at 5,000 gallons a month on a standard residential meter
THE NEIGHBORHOOD

Living in Land O' Lakes

unincorporated Pasco County · Pasco County · ZIP 34638 · Land O' Lakes (census-designated place) · Flood zone X, AE
Explore Land O' Lakes →
HomesNot yet available
Median sold price$395,000496 sales · last 12 months
Vs. the prior year-1.7%496 sales this year · 565 sales the prior year
Median rent$2,200/mo121 leases · last 12 months
Homes that changed handsNot yet available
Homestead shareNot yet available
Single-family homes in Land O' Lakes, by bedroomsFigures appear once a group has 40 sales
GROUPSALESMEDIAN SOLDMEDIAN RENT
All single-family homes · 12 months404$425,000$2,380/mo82 leases
2 bed14Not enough sales yet to report on their own
3 bed · this home183$362,000$2,200/mo46 leases
4 bed158$492,500—
5+ bed49$593,000—
All single-family homes · 24 months842$435,500$2,400/mo183 leases
Median price

Land O' Lakes homes sold for a median of $395,000 in the 12 months to Oct. 11, 2026.

496 sales
Price trend

That's 1.7% below the median for the 12 months before, $402,000.

496 sales this year · 565 sales the prior year
What's selling

Single-family detached homes made up 404 of the 496 sales in the same 12 months, at a median of $425,000.

404 of 496 sales
Not yet available here: owner-occupancy, and rent and time-to-lease for townhomes.

Location

20902 RAGAN LN, LAND O LAKES, FL 34638

Nearby homes for sale in Land O Lakes

Based on information from Stellar MLS® for the period April 7, 2006 through October 11, 2026.

Listings courtesy of Stellar MLS as distributed by MLS GRID

HomeProp is a licensed Florida real estate brokerage (License CQ1055163). Regulated by the Florida Real Estate Commission (FREC), 400 W Robinson St, Orlando, FL 32801. All information deemed reliable but not guaranteed.

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