Darrick Cook
$659,0005 bd3 ba3,315 sqft$199 /sqft$4,882 /mo all-in ↓

2904 TRINITY COTTAGE DRIVE, LAND O LAKES, FL, 34638

Active0 days on marketListed Aug 8, 2026MLS #TB8536100

WaterfrontSingle Family ResidenceCONCORD STATION PH 04 UNITS A & B

About this home

2904 TRINITY COTTAGE DRIVE

Exceptionally Detailed custom craftsmanship, and peaceful water and conservation views distinguish this impressive 5-bedroom, 3-bath residence in Land O’ Lakes. Offering approximately 3,315 square feet, a dedicated media theater, an upstairs game room, a first-floor bedroom with full bath, and a two-car garage, this home provides generous space for everyday living, multigenerational needs, entertaining, and working from home. From the columned entry and paver courtyard, the interior opens to soaring two-story sightlines, graceful arches, extensive custom millwork, and richly finished formal living and dining areas. Premium features include 3/4-inch solid-hardwood flooring installed over a dedicated subfloor, natural travertine flooring and bath surrounds, approximately 60 recessed lights and chandeliers, and a completely rebuilt solid-wood staircase accented with ornamental ironwork. The open Tuscan-inspired kitchen features warm wood cabinetry, stone countertops, stainless-steel appliances, a natural-stone backsplash, generous workspace, and a substantial center island overlooking the adjoining living and breakfast areas. Upstairs, the expansive primary suite includes an impressive travertine-clad bathroom with dual vanities, granite countertops, a deep soaking tub, and a spacious glass-enclosed shower. Secondary bedrooms, a large recreation room, and an open gallery with custom iron railings complete the upper level. Outside, the covered Tuscan-inspired outdoor kitchen extends the entertaining space toward a tranquil water and conservation outlook, creating a private setting with open skies and no immediate rear neighbor.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

3,315

Sqft

0.13 ac

Lot size

2

Garage

2008

Year built

Two

Levels

$199

Per sqft

Waterfront

Inside

FlooringEngineered Hardwood · Travertine
AppliancesDishwasher · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesNorth
ExteriorIrrigation System · Outdoor Kitchen · Sliding Doors

Community & fees

HOA fee$16/mo
Taxes (2025)$10,839/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit

Utilities & systems

UtilitiesCable Available · Phone Available
WaterPublic

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.

$4,882 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,556
PMI (est., until 20% equity)$247
Property tax — 2025 actual bill$903
HOA fee — from the listing$16
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $65,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $65,900
Interest rate6.00%
Loan term

Estimated payment

$4,882/mo

Principal & interest$3,556
PMI (est., until 20% equity)$247
Property taxes (actual bill)$903
HOA / condo fee$16
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $659K
$609KedgeAI estimate $664,991 · range $634K$690K$717K

vs edgeAI estimate

−0.9%

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 Land O Lakes

Map of 2904 TRINITY COTTAGE DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)32 min
Downtown Tampa34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Land O Lakes. See the full Land O Lakes guide →

LAND O LAKES 34638 — neighborhood snapshot

Population

35,900

Median age

37.7

Median income

$117,931

Median home value

$378,200

Avg household

3.15

Households w/ children

5,294

For the school run

Pasco County School District

HighLand O' Lakes High School★★★★
ElementaryConnerton Elementary School★★★★★
MiddlePine View Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Land O Lakes market

Seller’s marketSeller’s market2.8 months of inventoryBuyer’s 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 80% above the LAND O LAKES 34638 median. See the full Land O Lakes market guide →

Paper trail

This home's history

Aug 8, 2026Listed at $659,000 · 0 days on market since
2008Built · CONCORD STATION PH 04 UNITS A & B

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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2904 TRINITY COTTAGE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2904 TRINITY COTTAGE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2904 TRINITY COTTAGE DRIVE FAQs

What would the monthly payment be for 2904 TRINITY COTTAGE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,882/mo — principal and interest, the actual property-tax bill, the $16/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 2904 TRINITY COTTAGE DRIVE?+

The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2904 TRINITY COTTAGE DRIVE?+

The most recent tax bill on record (2025) was $10,839. 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 2904 TRINITY COTTAGE DRIVE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit. 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 $659,000, this home is listed about 57% above the Land O Lakes median of $419,900. The market section on this page shows how the area is trending.

Which schools are assigned to 2904 TRINITY COTTAGE DRIVE?+

Land O' Lakes High School (high), Connerton Elementary School (elementary), Pine View Middle School (middle) — 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

$659,000 runs 80% above the LAND O LAKES 34638 median — but at 3,315 sqft it's also 63% larger than the typical Land O Lakes listing.

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

Land O' Lakes High School, Connerton Elementary School, Pine View Middle School — Land O' Lakes High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of HANNIBAL SHABO REALTY · Hannibal Shabo. MLS #TB8536100.

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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