# 20978 MONZA Loop, Land O Lakes, FL 34638 > **TL;DR:** 4bd/3ba single family, $425,000 ($178/sqft), built 2022, 2,386 sqft. > A/C, 2-car garage. Est. $2,273/mo. Listed 190 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $425,000 | | Price/sqft | $178 | | Bedrooms | 4 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,386 | | Year Built | 2022 | | Lot Size | 6,970 sqft (0.16 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active Under Contract | | Days on Market | 190 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,149 | | Estimated Insurance | $124 | | **Total** | **$2,273** | ## Nearby Schools - **Elementary:** Connerton Elem - **Middle:** Pine View Middle-PO - **High:** Land O' Lakes High-PO ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 2022 - 0.16 acre lot - 2 stories ## Description ### Agent Description Under contract-accepting backup offers. ASSUMABLE 3% MORTGAGE! This loan can be assumed by a non-veteran or a veteran. The buyer will need roughly $40,000 difference between the payoff and loan amount plus closing cost. Interested buyers should have $50,000 available to bring to closing. This is a once in a lifetime opportunity to assume a 3% interest rate in a much higher market! Welcome to 20978 Monza Loop in the GATED COMMUNITY of Arden Preserve, where the major expenses of new construction have already been handled for you. Built in 2022, this home delivers immediate value with NO CDD fees and includes upgrades that typically cost thousands more through a builder, such as a FULLY VINYL FENCED backyard, EXTENDED PAVER PATIO and walkway, window blinds and curtains, and a fully owned WATER TREATMENT SYSTEM. Located in FLOOD ZONE X, it also offers the added benefit of potentially LOWER INSURANCE COSTS, making this a smart move both upfront and long-term. Inside, the home offers 4 bedrooms, 2.5 baths, and 2,386 square feet of thoughtfully designed living space with a BRIGHT, OPEN-CONCEPT layout. The main level is filled with NATURAL LIGHT and features a seamless flow between the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. The kitchen is anchored by a LARGE CENTER ISLAND with seating, complemented by sleek countertops, stainless steel appliances, ample cabinetry, and modern pendant lighting. Sliding glass doors open to the COVERED LANAI, enhancing the indoor-outdoor connection. Upstairs, a spacious loft provides FLEXIBLE LIVING SPACE for a second living area, media room, or home office, while the generously sized bedrooms offer comfort and privacy. The primary suite serves as a relaxing retreat with an en-suite bath featuring dual vanities, a walk-in shower, and plenty of storage, and a dedicated laundry room adds convenience. Out back, the covered lanai overlooks a PRIVATE YARD that backs to PEACEFUL GREENSPACE with NO REAR NEIGHBORS, creating a quiet setting to relax or entertain. The extended paver patio expands your outdoor living options, whether you're hosting gatherings or simply enjoying the Florida lifestyle. Arden Preserve is a fully completed gated community with no ongoing construction, offering a more established and peaceful environment. Residents enjoy a PRIVATE WALKING PATH leading directly to Land O' Lakes High School, a community dog park, and convenient access to nearby shopping, dining, and major roadways. This home combines modern construction, functional living space, and meaningful savings in one of Land O' Lakes' most desirable neighborhoods. ## Location - **Address:** 20978 MONZA Loop, Land O Lakes, FL 34638 - **County:** Pasco - **Neighborhood:** ARDEN PRESERVE - **Coordinates:** 28.256313, -82.479763 - **Google Maps:** https://www.google.com/maps?q=28.256313,-82.479763 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/stellar/TB8500994 ## Listing Agent - **Name:** Michael Cinquemano, Jr. - **Brokerage:** Mihara & Associates, Inc - **Broker Phone:** (813) 960-2300 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/20978-Monza-Loop_Land-O-Lakes_FL_34638_M92080-91767?f=listhub&s=MFRMLSFL&m=TB8500994&c=propsimple) ## Photos ![20978 MONZA Loop - Photo 1](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1782255557r.jpg) ![20978 MONZA Loop - Photo 2](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f693131117r.jpg) ![20978 MONZA Loop - Photo 3](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2609032460r.jpg) ![20978 MONZA Loop - Photo 4](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f500085397r.jpg) ![20978 MONZA Loop - Photo 5](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f574815412r.jpg) ![20978 MONZA Loop - Photo 6](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1836770940r.jpg) ![20978 MONZA Loop - Photo 7](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3827931019r.jpg) ![20978 MONZA Loop - Photo 8](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1718603181r.jpg) ![20978 MONZA Loop - Photo 9](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f4160286702r.jpg) ![20978 MONZA Loop - Photo 10](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3482013694r.jpg) ![20978 MONZA Loop - Photo 11](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1624349741r.jpg) ![20978 MONZA Loop - Photo 12](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1817582064r.jpg) ![20978 MONZA Loop - Photo 13](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1549977209r.jpg) ![20978 MONZA Loop - Photo 14](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1241276014r.jpg) ![20978 MONZA Loop - Photo 15](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3813943423r.jpg) ![20978 MONZA Loop - Photo 16](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3035955330r.jpg) ![20978 MONZA Loop - Photo 17](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2730314292r.jpg) ![20978 MONZA Loop - Photo 18](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1774412328r.jpg) ![20978 MONZA Loop - Photo 19](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f4057912792r.jpg) ![20978 MONZA Loop - Photo 20](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f576296468r.jpg) ![20978 MONZA Loop - Photo 21](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2707650104r.jpg) ![20978 MONZA Loop - Photo 22](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1941832627r.jpg) ![20978 MONZA Loop - Photo 23](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2142657778r.jpg) ![20978 MONZA Loop - Photo 24](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f796669701r.jpg) ![20978 MONZA Loop - Photo 25](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3616105840r.jpg) ![20978 MONZA Loop - Photo 26](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1980648429r.jpg) ![20978 MONZA Loop - Photo 27](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3428150382r.jpg) ![20978 MONZA Loop - Photo 28](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2729301103r.jpg) ![20978 MONZA Loop - Photo 29](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1320968573r.jpg) ![20978 MONZA Loop - Photo 30](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2255985475r.jpg) ![20978 MONZA Loop - Photo 31](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2727696922r.jpg) ![20978 MONZA Loop - Photo 32](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1123865064r.jpg) ![20978 MONZA Loop - Photo 33](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1581730346r.jpg) ![20978 MONZA Loop - Photo 34](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2922480373r.jpg) ![20978 MONZA Loop - Photo 35](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f105785678r.jpg) ![20978 MONZA Loop - Photo 36](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3456949564r.jpg) ![20978 MONZA Loop - Photo 37](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3933537909r.jpg) ![20978 MONZA Loop - Photo 38](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f580205365r.jpg) ![20978 MONZA Loop - Photo 39](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2605460250r.jpg) ![20978 MONZA Loop - Photo 40](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2098758442r.jpg) ![20978 MONZA Loop - Photo 41](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1638127478r.jpg) ![20978 MONZA Loop - Photo 42](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3508301202r.jpg) ![20978 MONZA Loop - Photo 43](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f2078629327r.jpg) ![20978 MONZA Loop - Photo 44](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f866221746r.jpg) ![20978 MONZA Loop - Photo 45](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3055094991r.jpg) ![20978 MONZA Loop - Photo 46](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1964330698r.jpg) ![20978 MONZA Loop - Photo 47](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1889820355r.jpg) ![20978 MONZA Loop - Photo 48](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f834362927r.jpg) ![20978 MONZA Loop - Photo 49](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1656612342r.jpg) ![20978 MONZA Loop - Photo 50](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f3593089472r.jpg) ![20978 MONZA Loop - Photo 51](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f958549497r.jpg) ![20978 MONZA Loop - Photo 52](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f674988478r.jpg) ![20978 MONZA Loop - Photo 53](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1842992972r.jpg) ![20978 MONZA Loop - Photo 54](http://lh.rdcpix.com/8f229c60db6920e33c08504543555a52l-f1787209474r.jpg) --- **MLS#:** TB8500994 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/20978-monza-loop-land-o-lakes-fl-34638-15f3e0e369f34ea8b7a3d91500438ce5) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/20978-monza-loop-land-o-lakes-fl-34638-15f3e0e369f34ea8b7a3d91500438ce5#listing", "url": "https://www.propertysimple.ai/listing/20978-monza-loop-land-o-lakes-fl-34638-15f3e0e369f34ea8b7a3d91500438ce5", "name": "20978 MONZA Loop, Land O Lakes, FL 34638", "description": "Under contract-accepting backup offers. ASSUMABLE 3% MORTGAGE! This loan can be assumed by a non-veteran or a veteran. The buyer will need roughly $40,000 difference between the payoff and loan amount plus closing cost. Interested buyers should have $50,000 available to bring to closing. This is a once in a lifetime opportunity to assume a 3% interest rate in a much higher market! Welcome to 20978 Monza Loop in the GATED COMMUNITY of Arden Preserve, where the major expenses of new construction have already been handled for you. Built in 2022, this home delivers immediate value with NO CDD fees and includes upgrades that typically cost thousands more through a builder, such as a FULLY VINYL FENCED backyard, EXTENDED PAVER PATIO and walkway, window blinds and curtains, and a fully owned WATER TREATMENT SYSTEM. Located in FLOOD ZONE X, it also offers the added benefit of potentially LOWER INSURANCE COSTS, making this a smart move both upfront and long-term. Inside, the home offers 4 bedrooms, 2.5 baths, and 2,386 square feet of thoughtfully designed living space with a BRIGHT, OPEN-CONCEPT layout. The main level is filled with NATURAL LIGHT and features a seamless flow between the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. The kitchen is anchored by a LARGE CENTER ISLAND with seating, complemented by sleek countertops, stainless steel appliances, ample cabinetry, and modern pendant lighting. Sliding glass doors open to the COVERED LANAI, enhancing the indoor-outdoor connection. Upstairs, a spacious loft provides FLEXIBLE LIVING SPACE for a second living area, media room, or home office, while the generously sized bedrooms offer comfort and privacy. The primary suite serves as a relaxing retreat with an en-suite bath featuring dual vanities, a walk-in shower, and plenty of storage, and a dedicated laundry room adds convenience. Out back, the covered lanai overlooks a PRIVATE YARD that backs to PEACEFUL GREENSPACE with NO REAR NEIGHBORS, creating a quiet setting to relax or entertain. The extended paver patio expands your outdoor living options, whether you're hosting gatherings or simply enjoying the Florida lifestyle. Arden Preserve is a fully completed gated community with no ongoing construction, offering a more established and peaceful environment. Residents enjoy a PRIVATE WALKING PATH leading directly to Land O' Lakes High School, a community dog park, and convenient access to nearby shopping, dining, and major roadways. 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