Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes

List Price

$597,999

18498 Coastal Shore, Land O Lakes, FL 34638

52 days on market↓ $11K from original list price

Estimated Payment

$5,365/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area2,080 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2023

Listed by

Steven Koleno

BEYCOME OF FLORIDA LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Beautiful 3 bedroom 2 bath PLUS den home in gated community with clubhouse and amenities. Home is on a premium water view lot, premium kitchen, huge walk-in shower. Many recent upgrades including extended covered lanai (300 sf) addition and premium countertops throughout added last year. Willing to work with Buyer's realtor.

18498 Coastal Shore, Land O Lakes, FL 34638 in Land O Lakes, FL 34638 is listed for $597,999. The home has 3 bedrooms, 2 bathrooms, and 2,080 square feet, and was built in 2023. Listed 52 days ago. The price was reduced from $608,900. The listing is held by BEYCOME OF FLORIDA LLC.

34638 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$1,569 (tax year 2025)
HOA fee$530 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$5,365/moest.

  • Principal & Interest 75%
  • Property Taxes 2%
  • Insurance 9%
  • HOA 10%
  • USDA Fee 3%
Principal & Interest
$4,030
Property Taxesfrom listing
$131
Insurance
$498
HOA
$530
USDA Annual Fee
$176

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$5,980

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

3161 Winglewood, Lutz, FL 33558

$624,990

3161 Winglewood, Lutz, FL 33558

4 bd · 3 ba · 2,570 sq ft

3350 Pendleton, Land O Lakes, FL 34639

$550,000

3350 Pendleton, Land O Lakes, FL 34639

4 bd · 3 ba · 2,116 sq ft

22420 Shoreside, Land O Lakes, FL 34639

$660,000

22420 Shoreside, Land O Lakes, FL 34639

4 bd · 3 ba · 2,258 sq ft

2963 Lake Saxon, Land O Lakes, FL 34639

$625,000

2963 Lake Saxon, Land O Lakes, FL 34639

3 bd · 2 ba · 1,709 sq ft

Frequently Asked Questions

The estimated monthly payment is $5,365, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $1,569 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR802235699. HomeJam is not the listing broker.

List Price

$597,999

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.