Gated Communities in Pasco County, FL

Looking for gated communities in Pasco County, FL? Momentum Realty tracks 73 Pasco 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.

Pasco County gated communities at a glance

Communities tracked

$407,500

Median sale price

87 days

Median days on market

1,371

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Mirada · agent	San Antonio	$365,000	–	71 d
Esplanade at Wiregrass Ranch · agent	Wesley Chapel	$649,000	–	65 d
Flor-A-Mar · agent	New Port Richey	$545,000	–	144 d
Meadow Pointe · agent	Wesley Chapel	$398,000	–	71 d
Connerton · agent	Land O' Lakes	$575,000	–	49 d
Zephyr Lakes · agent	Zephyrhills	$335,000	–	206 d
Epperson · agent	Wesley Chapel	$466,000	–	79 d
Lakeshore Ranch · agent	Land O' Lakes	$574,000	–	51 d
Vidas Way · agent	Wesley Chapel	$544,000	–	98 d
Plantation Palms · agent	Land O' Lakes	$516,000	–	64 d
Golden Acres · agent	New Port Richey	$454,000	–	66 d
Lexington Oaks · agent	Wesley Chapel	$392,000	–	66 d
Gardens of Beacon Square · agent	Holiday	$62,000	–	102 d
Fairway Oaks · agent	Hudson	$298,000	–	152 d
Gulf Island Beach and Tennis Club · agent	Hudson	$220,000	–	134 d
Seven Oaks · agent	Wesley Chapel	$259,000	–	159 d
Lake Conley · agent	Holiday	$133,000	–	140 d
Hammock at Two Rivers · agent	Zephyrhills	$603,000	–	46 d
Abbott Square · agent	Zephyrhills	$304,000	–	91 d
Grand Horizons · agent	Zephyrhills	$215,000	–	95 d
Valencia Gardens · agent	Land O' Lakes	$546,000	–	21 d
Oakstead · agent	Land O' Lakes	$352,000	–	48 d
Watergrass · agent	Wesley Chapel	$450,000	–	63 d
Trinity East · agent	Trinity	$562,000	–	18 d
Mirada Townhomes · agent	San Antonio	$276,000	–	30 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 Pasco 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 Pasco County’s typical combined millage of 16.15 mills, a purchase at $407,500 (the median across these gated communities) generates roughly $6,583 a year in property tax before exemptions — about $549 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 Pasco County average about $1,659 a year ($138 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 Pasco County near $2,010 (principal and interest on the typical home, tax, and insurance).

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

Demand and supply in Pasco County right now

In the most recent IRS migration data (2022-2023), Pasco County gained a net 18,430 people to relocation, with the largest inbound flows from NY, NJ, IL. Households moving IN reported average incomes of $76,486 versus $62,180 for those leaving — the income mix of demand, straight from tax filings. Population is up about 15.3% over the recent multi-year window. On the supply side, builders pulled 7,878 residential permits in Pasco County in 2025 (6,191 single-family), up 16.5% year over year — against 8,905 at the 2021 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 0.1% versus its income-and-rent fundamentals.

The Pasco County market, in context

Pasco County is Tampa Bay's fast-growing northern frontier — Wesley Chapel's master-planned boom, crystal-lagoon communities, and relative affordability draw buyers and commuters spilling out of Hillsborough and Pinellas. It is one of the fastest-growing counties in the region.

The economy behind the market: {'drivers': 'healthcare, retail, distribution, professional services, and construction', 'summary': "Pasco's economy is increasingly tied to Tampa Bay's — many residents commute to Hillsborough and Pinellas jobs — while local anchors include AdventHealth and BayCare hospitals, a growing medical-and-office cluster in Wesley Chapel, and distribution and manufacturing (Mettler-Toledo, Pall) along the corridor.", 'employers': ['Pasco County Schools', 'AdventHealth (Wesley Chapel/Zephyrhills)', 'BayCare', 'Pasco County government', 'Mettler-Toledo', 'Raymond James (back office)', 'distribution and logistics employers'], 'jobNote': 'Wesley Chapel is among the fastest-growing communities in Tampa Bay, growing well above state and national averages.'}

What could change it: Pasco's risks are inland and coastal in different parts: sinkhole-prone geology and lake flooding inland, storm surge along the older west-side coast (New Port Richey), and the strain of explosive Wesley Chapel growth on roads and schools. Insurance is rising but generally below the immediate coast.

Near-term outlook: Expect Pasco to stay one of Tampa Bay's faster-growing counties over the next 12 months, with affordability and new amenities pulling steady demand and a large construction pipeline keeping price growth measured and buyers in a strong position.

Run the numbers in Pasco County

Explore more Florida communities

Common questions

How many gated communities does Pasco County, FL have?

Momentum Realty currently tracks 73 communities in Pasco 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 Pasco County gated communities cost?

The median sale price across tracked gated communities in Pasco County is about $407,500, 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 Pasco County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Pasco County?

Citizens Property Insurance policies in Pasco County average about $1,659 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 Pasco County?

Typical combined millage in Pasco County is about 16.15 mills - roughly 1.62% 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 2026-09-11; 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.