Single Family Residence at 21439 SOUTHERN CHARM DR, LAND O LAKES
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Virtually Staged - 21439 SOUTHERN CHARM DR, LAND O LAKES
Virtually Staged - 21439 SOUTHERN CHARM DR, LAND O LAKES
Virtually Staged - 21439 SOUTHERN CHARM DR, LAND O LAKES
Virtually Staged - 21439 SOUTHERN CHARM DR, LAND O LAKES
Virtually Staged - 21439 SOUTHERN CHARM DR, LAND O LAKES
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63 photos

$374,000

21439 SOUTHERN CHARM DR
LAND O LAKES, FL 34637
Listed by Robert Zoller, Jr · BRAINARD REALTY
Bedrooms
4
Bathrooms
2.5
Living area
2,245 sqft
Year built
2013

About this home

**BUY THIS HOME WITH ZERO MONEY OUT OF POCKET!*** Yes, it may be possible! **21439 Southern Charm Drive is USDA eligible**, offering qualified buyers the opportunity for **100% financing with NO DOWN PAYMENT**. Combine that with available **SELLER CREDITS toward allowable closing costs**, and qualified buyers may be able to purchase this home with **$0 out of pocket at closing!** Now let's talk about the home. What if you could get **4 BEDROOMS, 2.5 BATHROOMS, 2,245 SQ FT, a 2-CAR GARAGE, and a CONSERVATION HOMESITE in Connerton for $374,000?** Built by Ryland Homes, this spacious property offers the room you've been looking for without sacrificing privacy or outdoor space. The home is positioned on a desirable **CONSERVATION HOMESITE WITH NO REAR NEIGHBORS**, providing a peaceful green backdrop and added privacy. Inside, you'll find a bright, functional floor plan with generous living spaces designed for everyday living and entertaining. The open main living area flows naturally into the kitchen and dining spaces, while four true bedrooms provide plenty of flexibility for guests, a home office, playroom, fitness space, or whatever fits your lifestyle. An **UPDATED HVAC SYSTEM** adds another valuable improvement. Step outside to the large backyard overlooking conservation—plenty of room for entertaining, gardening, playing, or simply relaxing and enjoying the Florida lifestyle. And then there's **CONNERTON**. Residents enjoy resort-style pools, clubhouses, fitness facilities, pickleball and tennis courts, basketball courts, parks, playgrounds, dog parks, miles of walking and biking trails, fishing ponds, community activities, and more. Conveniently located near shopping, dining, recreation, major roadways, and the developing **Moffitt Speros campus near Ridge Road**, this home combines space, privacy, amenities, and an outstanding financing opportunity. **4 BEDROOMS • 2,245 SQ FT • CONSERVATION • NO REAR NEIGHBORS • CONNERTON • USDA 100% FINANCING** Don't assume you need thousands of dollars saved to become a homeowner. **You may be able to buy this home with ZERO MONEY OUT OF POCKET. Ask us how and schedule your private showing today!**

Property details

MLS
Stellar MLS
MLS #
MFRTB8524379
Property type
Single Family Residence
Subdivision
CONNERTON VILLAGE 2 PRCL 211
Status
Active
Days on market
96
On market date
July 2, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
2
Parking spaces
N/A
Lot size
0.17 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
CONNERTON ELEMENTARY SCHOOL
1.09 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
906
Student:teacher ratio
17.1:1
District
PASCO
Middle
PINE VIEW MIDDLE SCHOOL
3.58 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,174
Student:teacher ratio
18.9:1
District
PASCO
High
LAND O' LAKES HIGH SCHOOL
1.66 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,083
Student:teacher ratio
22.6:1
District
PASCO

Walkability

Blended score for LAND O LAKES's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

17
Very car-dependent
out of 100
EPA National Walkability Index
4.2 / 20 -- Least walkable
Google Places amenity density
10 / 100
Restaurants & cafes0
Grocery stores0
Parks1
Schools1
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in LAND O LAKES, from live MLS data.

On the market 96 days -- 10 more days than LAND O LAKES's current average of 86 days.
For reference, the median list price across 783 active listings in LAND O LAKES right now is $380,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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%
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Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$2,402/mo
$74,800 down
$299,200 loan
Principal & interest$1,941
Property tax (est.)$312
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 17 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.