Gated Communities in Hillsborough County, FL

Looking for gated communities in Hillsborough County, FL? Momentum Realty tracks 163 Hillsborough County communities with evidence of gated community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

Hillsborough County gated communities at a glance

163

Communities tracked

$450,500

Median sale price

85 days

Median days on market

1,680

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
FishHawk Ranch · agent	Lithia	$474,000	–	56 d
Hawkstone · agent	Lithia	$698,000	–	75 d
Bloomingdale · agent	Valrico	$421,000	–	27 d
Lucaya Lake Club · agent	Riverview	$440,000	–	72 d
Valhalla · agent	Riverview	$250,000	–	93 d
Forest Brooke · agent	Wimauma	$374,000	–	78 d
Beach Park · agent	Tampa	$1.28M	–	84 d
Villarosa · agent	Lutz	$735,000	–	44 d
Bloomingdale Townes · agent	Brandon	$361,000	–	28 d
Golfland of Tampas North Side · agent	Tampa	$400,000	–	13 d
Waterchase · agent	Tampa	$1.05M	–	74 d
Grand Central at Kennedy · agent	Tampa	$330,000	–	65 d
Keystone Park Colony · agent	Odessa	$1.03M	–	86 d
Hunter's Green · agent	Tampa	$562,000	–	48 d
Magnolia Park · agent	Riverview	$320,000	–	99 d
Heritage Isles · agent	Tampa	$429,000	–	46 d
The Place at Channelside · agent	Tampa	$449,000	–	51 d
Sereno · agent	Wimauma	$341,000	–	73 d
Arbor Greene · agent	Tampa	$582,000	–	61 d
FishHawk Ranch Townhomes · agent	Lithia	$241,000	–	64 d
Avila · agent	Lutz	$3.08M	–	139 d
Carriage Pointe · agent	Gibsonton	$307,000	–	34 d
Forest Brooke Active Adult · agent	Wimauma	$422,000	–	78 d
Harbour Place City Homes · agent	Tampa	$398,000	–	92 d
Oxford Place at Tampa Palms · agent	Tampa	$170,000	–	44 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

Every other tracked gated communities in Hillsborough County

What gates change about ownership

Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.

Due diligence before you buy behind a gate

Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.

What it costs to own here

At Hillsborough County’s typical combined millage of 15.73 mills, a purchase at $450,500 (the median across these gated communities) generates roughly $7,085 a year in property tax before exemptions — about $590 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Hillsborough County average about $1,816 a year ($151 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Hillsborough County near $2,309 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Hillsborough County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Hillsborough County right now

In the most recent IRS migration data (2022-2023), Hillsborough County lost a net 1,186 people to relocation, with the largest inbound flows from NY, TX, NJ. Households moving IN reported average incomes of $77,979 versus $72,366 for those leaving — the income mix of demand, straight from tax filings. Population is up about 8.0% over the recent multi-year window. On the supply side, builders pulled 8,696 residential permits in Hillsborough County in 2025 (4,295 single-family), down 3.9% year over year — against 17,443 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 3.0% versus its income-and-rent fundamentals.

The Hillsborough County market, in context

Hillsborough County is Tampa — the economic engine of Tampa Bay, with one of the most diversified economies in Florida spanning finance, healthcare, defense at MacDill, the port, and a fast-growing tech scene. Strong in-migration and a relatively affordable price point for a major metro have driven years of growth, though the 2024 storm season and rising insurance have introduced new caution on the coast.

The economy behind the market: {'drivers': 'finance, healthcare, defense (MacDill / CENTCOM), port and logistics, and technology', 'summary': "Hillsborough has one of Florida's most balanced economies. Finance is anchored by Raymond James (headquartered in the metro), a large Citigroup operation, and a growing fintech presence; healthcare by Tampa General, BayCare, and Moffitt Cancer Center; and defense by MacDill Air Force Base, which hosts U.S. Central Command and Special Operations Command. Add Port Tampa Bay, the University of South Florida, and major operations from Amazon, Jabil, and TECO, and you have a job base that rarely contracts across sectors at once.", 'employers': ['Hillsborough County Public Schools', 'University of South Florida', 'MacDill Air Force Base (CENTCOM / SOCOM)', 'BayCare Health System', 'Tampa General Hospital', 'Moffitt Cancer Center', 'Raymond James Financial', 'Citigroup (Tampa)', 'Amazon', 'Jabil', 'Hillsborough County government'], 'jobNote': 'MacDill Air Force Base hosts U.S. Central Command and Special Operations Command.'}

What could change it: The defining risk is water: much of coastal Hillsborough sits in storm-surge and FEMA flood zones, and the 2024 storms (Helene and Milton) were a sharp reminder, pushing insurance costs higher and buyer caution up. Flood-zone status and elevation are decisive near the bay. Inland, risk drops considerably. Rapid south-county growth also brings the usual traffic and new-supply absorption questions.

Near-term outlook: Expect Hillsborough to remain one of Florida's stronger large-metro fundamentals stories on the back of its diversified job base and migration, with modest near-term price growth. The swing factors are insurance and storm risk, which are reshaping coastal demand, and the heavy new-construction pipeline in Riverview and the south county, which gives buyers leverage.

Run the numbers in Hillsborough County

Explore more Florida communities

Common questions

How many gated communities does Hillsborough County, FL have?

Momentum Realty currently tracks 163 communities in Hillsborough County with evidence of gated community living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Hillsborough County gated communities cost?

The median sale price across tracked gated communities in Hillsborough County is about $450,500, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the gated communities?

A community appears here when we find gate, guard house or controlled-access amenities reported on MLS listings or verified amenity records for the community. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Hillsborough County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Hillsborough County?

Citizens Property Insurance policies in Hillsborough County average about $1,816 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Hillsborough County?

Typical combined millage in Hillsborough County is about 15.73 mills - roughly 1.57% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.