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**BUY THIS HOME WITH ZERO MONEY OUT OF POCKET!*** Yes, it may be possible! **19406 Sunset Bay Drive is USDA eligible**, giving 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 **little to potentially $0 out of pocket at closing!** Now let's talk about the home! Welcome to this beautifully maintained **3-bedroom, 2-bath home in the gated Lakeshore Ranch community**, where major updates, comfortable living, and resort-style amenities come together. One of the biggest expenses has already been taken care of with a **BRAND NEW ROOF IN 2024!** The home was also **FRESHLY PAINTED IN 2024** and features an **A/C replaced in 2018 and water heater in 2020**, giving buyers even more reasons to take a closer look.Already Low HOA cover internet and cable. Step inside and you'll immediately notice the bright, open feel created by the impressive **12-FT VAULTED CEILINGS**. Luxury vinyl plank flooring flows throughout the home, while the spacious living area and versatile flex room provide plenty of options for a home office, formal dining room, playroom, or additional living space. The kitchen features stainless steel appliances, a **GAS RANGE**, ample cabinetry, and an open connection to the main living area"”perfect for everyday living and entertaining. Step outside to the **COVERED LANAI and FULLY FENCED BACKYARD**, creating a great outdoor space for entertaining, relaxing, gardening, or simply enjoying the Florida weather. Then there's the **LAKESHORE RANCH LIFESTYLE**. This gated, master-planned community offers an impressive collection of amenities including resort-style pools, clubhouse, fitness center, **PICKLEBALL**, tennis and basketball courts, playgrounds, dog parks, scenic walking trails, conservation areas, and more. Pickleball enthusiasts will especially appreciate the opportunity to enjoy the game right within the community. Conveniently located in Land O' Lakes near shopping, dining, medical facilities, recreation, and major commuter routes, this home offers much more than just a place to live"”it's an opportunity to enjoy the Florida lifestyle while potentially purchasing with **NO DOWN PAYMENT**. **3 BEDROOMS "¢ 2 BATHS "¢ NEW ROOF 2024 "¢ 12-FT VAULTED CEILINGS "¢ FENCED YARD "¢ GAS RANGE "¢ LAKESHORE RANCH "¢ 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!
| DAYS ON MARKET | 104 | LAST UPDATED | 10/6/2026 |
|---|---|---|---|
| TRACT | LAKESHORE RANCH PH I | YEAR BUILT | 2007 |
| COMMUNITY | 34638 - Land O Lakes | GARAGE SPACES | 2.0 |
| COUNTY | Pasco | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Connerton Elem |
|---|---|
| Jr. High School | Angeline Academy of Innovation (8-12) |
| High School | Land O' Lakes High-PO |
| PRICE HISTORY | |
| Prior to Jul 23, '26 | $399,900 |
|---|---|
| Jul 23, '26 - Oct 6, '26 | $394,900 |
| Oct 6, '26 - Today | $394,000 |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| AMENITIES | Maintenance Grounds |
| APPLIANCES | Dishwasher, Disposal, Ice Maker, Microwave, Range, Refrigerator |
| AREA | 34638 - Land O Lakes |
| CONSTRUCTION | Block, Stucco |
| EXTERIOR | Private Yard |
| GARAGE | Yes |
| HEAT | Heat Pump |
| HOA DUES | 300 |
| INTERIOR | High Ceilings |
| LOT | 6970 sq ft |
| PARKING | Attached |
| SEWER | Public Sewer |
| STORIES | 2 |
| SUBDIVISION | LAKESHORE RANCH PH I |
| TAXES | 7849.6 |
| UTILITIES | Electricity Connected, Sewer Connected, Water Connected |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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Listing provided by Robert Zoller, Jr, BRAINARD REALTY, 813-922-2891
The information contained herein has been provided by My Florida Regional MLS DBA Stellar MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Listings last updated 10/7/26 7:09 PM PDT.
This IDX solution is (c) Diverse Solutions 2026.