12929 Palapa Loop, Spring Hill, FL 34610
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 12929 Palapa Loop in Talavera Phase 1A-3, Spring Hill is listed at $349,000 (1,682 sq ft, about $207 per sq ft). That is 16% below Talavera Phase 1A-3's median closed sale of $415,500 over the last 12 months (22 recorded sales). It has been 58 days on market. Listing facts: built in 2018, waterfront, HOA dues of $19/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2018 · 8 yrs
- 1,682 sq ft of living area
- 2-car garage
- Listed at $349,000 — recent neighborhood median sale price ~$415,500 (nearby sales; deemed reliable, not an appraisal)
- 58 days on market
- HOA $19/mo (per listing)
About this home
Situated in the desirable Talavera community, this beautifully positioned on a 0.21-acre homesite overlooking a peaceful community pond, this well-maintained 3-bedroom, 2-bath home offers an inviting blend of comfort, style, and functional living. Attractive curb appeal begins with manicured landscaping, decorative stacked-stone accents, a covered front entry with an arched architectural detail, and a spacious two-car garage, creating a warm first impression upon arrival. Stepping inside, the welcoming foyer features tile flooring, high ceilings, and a long hallway that leads your eye toward the bright, open living spaces beyond.
Just off the entry are two generously sized secondary bedrooms, each offering tile flooring, ceiling fans, abundant natural light, and built-in closets. Positioned between them is a full guest bathroom complete with a granite vanity, dark wood cabinetry, updated lighting, and a tub with a full-height tiled surround, creating a convenient and private wing for family members or guests. Continuing into the heart of the home, the spacious living room is designed for both everyday living and entertaining.
A tray ceiling with recessed lighting adds architectural interest, while large windows frame peaceful backyard and pond views, filling the room with natural light. The seamless connection to the kitchen and dining area creates an open, welcoming atmosphere where everyone can gather comfortably. The kitchen serves as the centerpiece of the home, offering granite countertops, rich dark wood cabinetry, stainless steel appliances, recessed lighting, a pantry, abundant cabinet storage, and a large center island with breakfast bar seating beneath elegant pendant lighting.
A window above the sink brightens the workspace, while the adjacent dining area overlooks the backyard and features sliding glass doors that open directly to the covered patio, making indoor and outdoor entertaining effortless. Privately situated at the rear of the home, the spacious primary suite provides a relaxing retreat away from the secondary bedrooms. The room features tile flooring, a large backyard-facing window, and plenty of space for a full bedroom suite.
The en-suite bathroom is thoughtfully appointed with a water closet, dual-sink granite vanity, abundant dark wood cabinetry, framed mirror, updated lighting, a spacious tiled walk-in shower with a glass enclosure, and an oversized walk-in closet. Just outside the suite, the dedicated laundry room offers washer and dryer hookups, built-in shelving, and a utility sink for added convenience. Step outside to a covered patio overlooking an expansive backyard where tranquil pond views create the perfect backdrop for relaxing or entertaining.
White fencing reserves both privacy and the scenic waterfront setting, while mature shade trees and generous green space provide endless opportunities for outdoor enjoyment. Combining quality finishes and a peaceful waterfront setting, this home offers comfort, functionality, and a place you'll truly enjoy coming home to. A roof installed in 2018 and impact glass/storm windows provide added value, durability, and peace of mind.
This well-maintained home offers access to an impressive collection of amenities, including a resort-style community pool, cabana, playground, basketball court, tennis courts, community pond, and community garden, all maintained through the Homeowners Association.
Description provided by RE/MAX MARKETING SPECIALISTS and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,933/mo 78%
- Taxes $402/mo 16%
- Insurance $111/mo 5%
- HOA $19/mo 1%
$2,465/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pasco County Schools 2025-26 tentative budget; Pasco County Property Appraiser. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 12929 Palapa Loop
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $2,575/yr (certified county roll, taxable value × millage). Buy at the asking price of $349,000 and the first-year bill resets to about $4,825/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.15 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | This listing reports $2,760/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount). |
| HOA dues | $19/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2018. An original roof is about 8 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $789/month (tax $402, CDD $230, HOA $19, insurance $138). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Pasco County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Pasco County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the TALAVERA PHASE 1A-3 market
How this home is priced against recent nearby sales, and where TALAVERA PHASE 1A-3 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.
This home’s history
- 2018BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 58 cumulative days on market as of October 14, 2026
- Oct 13, 2026First seen on movewithmomentum.comObserved at $349,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $415,500 ($193/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $349,000 ($207/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 26% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- Carrying costs & concessions — this home carries HOA dues of $19/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 58 days on market vs. a 55-day community median
- 1462 active listings competing, 420 under contract
- 1 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (1 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 14, 2026.
Momentum Property Score
68/100 is solid, mid-pack 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.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 17544.0 months of supply in the surrounding market and 58 days on market for this home, against a 47-day area median.Days on market:this home 58Area median: 47 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. Source: Data provided by Stellar MLS. As of October 14, 2026.
🟡 Asking $207 per square foot, about 7% above the community’s $193 median. TALAVERA PHASE 1A-3’s 12-month median sold price per square foot is $193. 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.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RE/MAX MARKETING SPECIALISTS · MLS # W7888086
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More on TALAVERA PHASE 1A-3
Go deeper on TALAVERA PHASE 1A-3
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 12929 Palapa Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2018: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $19/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,682 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 $4,825/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,250 more per year than the current owner’s estimated bill (+87%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of October 14, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| 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.
Frequently asked questions
How big is 12929 Palapa Loop and when was it built?
Per the listing record, 12929 Palapa Loop was built in 2018 and has 1,682 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 12929 Palapa Loop in?
12929 Palapa Loop is in Talavera Phase 1A-3 in Spring Hill, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 12929 Palapa Loop have an HOA, and how much are the dues?
The listing reports HOA dues of $19 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 12929 Palapa Loop differ from the current owner's?
The estimate on this page (about $4,825 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,250 more per year than the current owner’s estimated bill (+87%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12929 Palapa Loop in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
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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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.