Single Family Residence in HERITAGE SPGS VILLAGE 23, TRINITY · No CDD
HERITAGE SPGS VILLAGE 23 · TRINITY, FL 34655 · Pasco
Listing data updated September 9, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,683Sq Ft
2005Year Built
$273Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
30% above
$/sq ft vs community
$273 here vs $210 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 9, 2026, 12027 Fern Terrace Court in Heritage Spgs Village 23, Trinity is listed at $460,000 (1,683 sq ft, about $273 per sq ft). It came to market within the past week. Listing facts: built in 2005, HOA dues of $346/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2005 · 21 yrs
1,683 sq ft of living area
2-car garage
Listed at $460,000 — recent neighborhood median sale price ~$367,500 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $346/mo (per listing)
Momentum Research · HERITAGE SPRINGS
Pricing & the HERITAGE SPRINGS market
How this home is priced against recent nearby sales, and where HERITAGE SPRINGS has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in HERITAGE SPRINGS
Each dot is a closed sale since 2004 (53 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2025. This home lists at $273/sq ft.
Median sale price by year
12-month median closed price, 2015–2025.
Property timeline
This home’s history
2005BuiltPer public record
Sep 9, 2026First trackedObserved at $460,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,314/mo
Principal & interest $2,377/mo72%
Taxes $402/mo12%
Insurance $188/mo6%
HOA $346/mo10%
$3,314/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Strongest on: Market liquidity (44), Buyer competition (40)
0 limited50100 exceptional
23/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $273/sq ft vs the community 12-month median $210/sq ft.
Affordability8
List price $460,000 vs the community median $367,500. Not a measure of personal affordability.
Market liquidity44
Community inventory, ~6.0 months of supply (12-month record).
Renovation upside23
From a 2005 build and $273/sq ft vs the community median $210/sq ft. Not a condition assessment.
Buyer competition40
60% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 1 days on market for this home, against a 24-day area median.Days on market:this home 1Area median: 24 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2025. As of August 2, 2026.
🟡 Asking $273 per square foot, about 30% above the community’s $210 median. HERITAGE SPRINGS’s 12-month median sold price per square foot is $210. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
87% of homes in HERITAGE SPRINGS are owner-occupied. An estimated 13% are non-owner-occupied, including 13% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1294 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in HERITAGE SPRINGS, no CDD assessment.
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
WOW—this is the Heritage Springs home you have been waiting for! Nestled on an amazing cul-de-sac lot with beautiful pond views, this inviting home offers exceptional indoor and outdoor living spaces designed for both everyday enjoyment and entertaining. A standout feature is the 513 SQUARE FOOT air conditioned enclosed Florida room providing an incredibly versatile flex space perfect for parties, crafting, hobbies, or simply relaxing.
Even better all the important updates have already been DONE!- NEWER Air conditioners, Roof, Windows, Paint inside and out! Just bring your toothbrush!!! Open and airy main living area features a vaulted ceiling, easy-care wood tile, graceful arched doorways, neutral color palette, oversized picture window, and gorgeous new French doors.
Abundant natural light fills the home throughout the day. The well-appointed kitchen offers stainless steel appliances, generous cabinet and counter space, and a charming breakfast nook surrounded by windows. The spacious primary suite even has room for a cozy reading nook, while the primary bath features an oversized shower and vanity with convenient storage.
The generously sized secondary bedrooms are sure to impress, and the secondary bath offers a stone countertop and ample vanity storage. A walk-in laundry room with utility sink and built-in cabinetry adds even more convenience and functionality. Just beyond the Florida room, the screened-in porch overlooks the pond and offers direct access to the outdoors—the combination of these spaces creates an ideal setting.
The golf cart, patio furniture, and furniture currently in the flex room are also available for purchase—ask the agent for details. Run, don’t walk—this special home has it all! 55 & FUN - LIVE THE HERITAGE SPRINGS LIFESTYLE - Resort style living at its absolute finest!
Clubhouse with restaurant and bar, fitness, tennis, golf, cards, billiards, dancing and more! SUPERB TRINITY LOCATION, CLOSE TO BEACHES, DINING, SHOPPING, MEDICAL AND AIRPORT! Caution - Adults at Play!
Description provided by FUTURE HOME REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$460,000
Bed / bath3 / 2
Living area1,683 sq ft
Year built2005
Property typeSingle Family Residence
Garage2-car
MLS #W7889082
Listing statusNew — 1 day on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyPasco
Area listings2 active · 1 under contract
Estimated first-year tax~$4,830/yr
CDD assessmentNone on record
HOA (per listing)$346/mo
Calculated estimates
Price per sq ft$273
Estimated monthly payment$3,314
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$367,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of FUTURE HOME REALTY · Listing agent: Justine Manousogiannakis PLLC · 800-921-1330Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$311,355the mess$395,505
Actual list price: $460,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $346/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
4 active listings competing
≈6.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $460,000 ($273/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,683 sq ft × $185–$235/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Keep looking
Similar homes for sale near HERITAGE SPGS VILLAGE 23
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $460,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,830/yr
A rough first-year estimate only, applying a typical Pasco rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$346/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by FUTURE HOME REALTY · MLS # W7889082
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Market data · public records
Recent sales activity in HERITAGE SPGS VILLAGE 23
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HERITAGE SPGS VILLAGE 23 neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$367,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$210
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HERITAGE SPGS VILLAGE 23
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Pomelo Square mixed-use community advances in Wesley Chapel
Ryan Cos. and PulteGroup are advancing Pomelo Square, a mixed use development at the northeast corner of Old Pasco Road and Overpass Road in Wesley Chapel. Plans call for 415 residential units made up of 325 apartments and 90 townhomes, about 42,000 square feet of retail, and a hotel pad. Completion is targeted for the first quarter of 2028.
Why it matters: Adds a mixed use community of apartments and townhomes with retail space and a hotel pad, expanding housing and commercial supply in a growing Pasco County corridor. The project is about 20 miles east of Heritage Springs, elsewhere in Pasco County.
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
Why it matters: A new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The project is about 12 miles northeast of Heritage Springs, elsewhere in Pasco County.
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
Why it matters: A large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The site is about 10 miles northeast of Heritage Springs.
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
Why it matters: Added outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The project is about 17 miles east of Heritage Springs, elsewhere in Pasco County.
Schools currently assigned to this address in Pasco County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Pasco County Public Schools (verify by address)Public · Pasco County School District
Confirm zoned elementary, middle, and highBy address · Pasco County School District
Magnet and choice options may applyChoice · Pasco County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jan 2026
$380,000
1623 ARBOR KNOLL LOOP, TRINITY
3 / 2 bd/ba · 1,713 sq ft · $222/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Jun 2026
$355,000
1606 ARBOR KNOLL LOOP, TRINITY
3 / 2 bd/ba · 1,793 sq ft · $198/sq ft
Courtesy of FUTURE HOME REALTY · View details →
Community 12-month median: $210/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,108 – $3,067/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,268 – −$405At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 12027 Fern Terrace Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $346/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,683 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,830/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
TRINITY
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 9, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 12027 Fern Terrace Court and when was it built?
Per the listing record, 12027 Fern Terrace Court was built in 2005 and has 1,683 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12027 Fern Terrace Court in?
12027 Fern Terrace Court is in Heritage Spgs Village 23 in Trinity, Pasco County. The community section on this page shows recent closed sales, days on market, and active inventory for Heritage Spgs Village 23 from the same MLS data.
Does 12027 Fern Terrace Court have an HOA, and how much are the dues?
The listing reports HOA dues of $346 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 12027 Fern Terrace Court differ from the current owner's?
The estimate on this page (about $4,830 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12027 Fern Terrace Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 12027 FERN TERRACE COURT in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
