Rui Ma
$799,0005 bd4.5 ba3,540 sqft$226 /sqft$5,879 /mo all-in ↓

3431 DIAMOND FALLS CIRCLE, LAND O LAKES, FL, 34638

Active1 days on marketListed Aug 6, 2026MLS #TB8534764

WaterfrontSingle Family ResidenceSTONEGATE PH 2

About this home

3431 DIAMOND FALLS CIRCLE

Lakefront Luxury Living in Gated Stonegate Welcome to this exceptional lakefront home in the highly sought-after gated community of Stonegate in Land O' Lakes, Florida. Perfectly positioned on a private 0.32-acre pie-shaped lot tucked away at the back of the neighborhood, this stunning 5-bedroom, 4.5-bath residence offers 3,540 square feet of thoughtfully designed living space, complete with a private mother-in-law suite and breathtaking waterfront views. Built in 2012 with quality craftsmanship throughout, this home welcomes you with elegant architectural details including arched entryways, custom columns, soaring double-tiered coffered ceilings, decorative art niches, and a custom paint palette that creates a warm atmosphere. The spacious family room serves as the heart of the home, featuring custom built-in shelving and expansive windows that frame tranquil views of the freshwater fishing lake. Enjoy peaceful mornings watching deer and native wildlife from the comfort of your living room or while relaxing outdoors. The gourmet kitchen is designed for both everyday living and entertaining, showcasing granite countertops, a custom undermount sink, tile backsplash, rich espresso cabinetry, stainless steel appliances, recessed lighting, a breakfast bar, and a sunny breakfast nook overlooking the water. The luxurious primary suite is a true retreat, offering plush carpeting, a ceiling fan, beautiful lake views, and two walk-in closets. The spa-inspired primary bath features dual granite vanities with upgraded fixtures, espresso cabinetry, a relaxing garden tub, and a separate glass-enclosed shower. Upstairs, a spacious bonus room opens through two sliding glass doors to a screened balcony overlooking the lake—an ideal space for a media room, game room, or additional family gathering area. Three generously sized secondary bedrooms provide comfortable accommodations, including two connected by a convenient Jack-and-Jill bathroom, while an additional guest suite enjoys its own private bath with granite countertops and espresso cabinetry. Additional living spaces include a formal living room with sliding glass doors leading outdoors and an elegant formal dining room, offering flexibility for entertaining and everyday living. Outside, the oversized pie-shaped lot provides privacy, mature landscaping, and spectacular lakefront scenery. Whether enjoying morning coffee, evening sunsets, or casting a line into the freshwater lake, this backyard offers a peaceful Florida lifestyle rarely found. Residents of Stonegate enjoy outstanding community amenities including a resort-style swimming pool, secure fitness center, and a fishing pier overlooking the neighborhood pond. Conveniently located just minutes from the Veterans Expressway, this home offers an easy commute to Tampa while remaining less than an hour from some of America's most celebrated Gulf Coast beaches. This remarkable home combines elegant design, generous living spaces, and an unbeatable waterfront setting to create the perfect place to call home.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,540

Sqft

0.32 ac

Lot size

3

Garage

2012

Year built

Two

Levels

$226

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$252/mo
Taxes (2025)$10,272/yr
PetsYes
CommunityDock · Fishing · Lake · Deed Restrictions · Fitness Center · Gated Community - Guard · Gated Community - No Guard · Pool · Sidewalks · Special Community Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected
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.

$5,879 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$856
HOA fee — from the listing$252
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,900Loan30-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% · $79,900
Interest rate6.00%
Loan term

Estimated payment

$5,879/mo

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property taxes (actual bill)$856
HOA / condo fee$252
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 $799K
$640KedgeAI estimate $672,489 · range $667K$686K$831K

vs edgeAI estimate

+18.8%

Days on market

1 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 3431 DIAMOND FALLS CIRCLE

Drive times from this address

Downtown Tampa30 min
Tampa Int’l Airport (TPA)33 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 market2.9 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 119% above the LAND O LAKES 34638 median. See the full Land O Lakes market guide →

Paper trail

This home's history

Aug 6, 2026Listed at $799,000 · 1 days on market since
2012Built · STONEGATE PH 2

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.

Rui Ma

Your agent

Rui Ma

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3431 DIAMOND FALLS CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3431 DIAMOND FALLS CIRCLE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to Rui’s phone and CRM.

Straight answers

3431 DIAMOND FALLS CIRCLE FAQs

What would the monthly payment be for 3431 DIAMOND FALLS CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,879/mo — principal and interest, the actual property-tax bill, the $252/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 3431 DIAMOND FALLS CIRCLE?+

The association fee works out to $252 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3431 DIAMOND FALLS CIRCLE?+

The most recent tax bill on record (2025) was $10,272. 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 3431 DIAMOND FALLS CIRCLE?+

The listing reports pets: Yes. 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 $799,000, this home is listed about 90% 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 3431 DIAMOND FALLS CIRCLE?+

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

$799,000 runs 119% above the LAND O LAKES 34638 median — but at 3,540 sqft it's also 74% 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

Only 1 day on market 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 RE/MAX ACTION FIRST OF FLORIDA · Archie Campbell, III. MLS #TB8534764.

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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