13943 Natures Reserve Drive, Lithia, FL 33547
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 13943 Natures Reserve Drive in Fishhawk Ranch West Ph 3B, Lithia is listed at $625,000 (2,640 sq ft, about $237 per sq ft). That is 22% above Fishhawk Ranch West Ph 3B's median closed sale of $513,500 over the last 12 months (37 recorded sales). It came to market within the past week. Listing facts: built in 2019, HOA dues of $449/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2019 · 7 yrs
- 2,640 sq ft of living area
- 3-car garage
- Listed at $625,000 — recent neighborhood median sale price ~$513,500 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $449/mo (per listing)
About this home
FROM THE DESIGNER KITCHEN TO THE INCREDIBLE OUTDOOR LIVING SPACE, EVERY INCH OF THIS HOME FEELS LIKE IT WAS PULLED STRAIGHT FROM A MODEL HOME! Located on a beautifully landscaped, fenced corner lot in the gated Encore at FishHawk Ranch, one of Tampa Bay’s premier 55+ communities, this customized Lorenzo plan pairs sophisticated finishes with an exceptional layout and incredible indoor-outdoor living. Offering 3 bedrooms, 2.5 baths, a dedicated office, and a 3-car garage, this home has been thoughtfully upgraded from top to bottom.
From the moment you step inside, the attention to detail stands out. Engineered hardwood floors, elegant crown molding, plantation shutters, luxury window treatments, and designer finishes carry throughout the bright, open-concept living spaces. Behind glass French doors, the spacious office offers the perfect setting for working from home, a craft room, library, or quiet den.
The KITCHEN LOOKS LIKE IT CAME STRAIGHT FROM THE PAGES OF A HOME DESIGN MAGAZINE! Stunning floor-to-ceiling designer cabinetry creates a dramatic backdrop while providing incredible storage, complemented by stainless steel and built-in appliances, a vented hood, wine refrigerator, designer lighting, and an expansive center island with generous bar seating. Beautifully designed for both everyday living and entertaining, this showpiece kitchen flows seamlessly into the dining and great room.
The great room makes a statement of its own with a striking accent wall and French door sliders that open wide to the lanai, creating an effortless connection between the indoor and outdoor living spaces. Step outside to an OVERSIZED SCREENED LANAI designed to enjoy Florida living year-round. A fully equipped outdoor kitchen makes entertaining easy, while the generous covered living space and separate sitting terrace provide multiple areas to dine, relax, and gather with friends.
Beyond the lanai, the fenced and beautifully landscaped corner yard offers additional space and privacy. The primary suite is a true retreat with a spa-inspired en-suite bath and an impressive oversized walk-in closet complete with a custom built-in island dresser. A secondary bedroom at the front of the home features a spacious closet and private en-suite bath, while the third bedroom is tucked into a separate wing, providing flexibility and privacy for overnight guests.
The upgrades extend well beyond the finishes. A WHOLE-HOUSE GENERAC GENERATOR provides added peace of mind, while a TANKLESS WATER HEATER adds everyday efficiency. Living in Encore means enjoying an incredible resort-style lifestyle right outside your door.
The community’s Oasis Club features a heated infinity pool and spa, fitness center, basketball, pickleball and bocce courts, grill stations, outdoor TVs, card rooms, gathering spaces, and an active calendar of opportunities to connect and enjoy the community. Residents also have access to additional FishHawk Ranch West amenities, including the Lake House, community pool, fitness facilities, and recreational spaces. This is more than a beautiful home.
It is a thoughtfully designed space where luxury finishes, effortless entertaining, and the Encore lifestyle come together in one exceptional package!
Description provided by KELLER WILLIAMS SOUTH TAMPA 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 $3,337/mo 74%
- Taxes $547/mo 12%
- Insurance $195/mo 4%
- HOA $449/mo 10%
$4,527/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Hillsborough 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 Hillsborough 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 fiishhawk ranch west ph 2a market
How this home is priced against recent nearby sales, and where fiishhawk ranch west ph 2a 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 fiishhawk ranch west ph 2a
Each dot is a closed sale since 2014 (249 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, 2014–2026. This home lists at $237/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 56 (normal).
This home’s history
- 2019BuiltPer public record
- Oct 1, 2026First seen on movewithmomentum.comObserved at $625,000
- 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: $513,500 ($223/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $625,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 20% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $449/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:
- 14 active listings competing, 4 under contract
- ≈2.7 months of supply
- 12 closed here in the last 12 months
For reference, this home is listed at $625,000 ($237/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,640 sq ft × $197–$237/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Property Score
42/100 is below average 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: 5 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
🟡 Asking $237 per square foot, about 6% above the community’s $223 median. fiishhawk ranch west ph 2a’s 12-month median sold price per square foot is $223. Median sold price per square foot is up 9.3% year over year. Confidence: Very High · 37 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
78% of homes in fiishhawk ranch west ph 2a are owner-occupied. An estimated 22% are non-owner-occupied, including 1% held in a company or trust and 3% 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), 452 homes matched. Community-level context.
Recent fiishhawk ranch west ph 2a sales closed near 97.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 12 active listings in fiishhawk ranch west ph 2a, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 13943 NATURES RESERVE DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by KELLER WILLIAMS SOUTH TAMPA · MLS # TB8553549
Request a showing
Similar homes for sale near FISHHAWK RANCH WEST PH 3B
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.
Newest listings in FISHHAWK RANCH WEST PH 3B
- 5708 Esker Falls Lane · $435,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of EATON REALTY)
- 14116 Natures Reserve Drive · $529,900 · 4 bd / 3.5 ba · listed September 24, 2026 (courtesy of EATON REALTY)
- 13533 Circa Crossing Drive · $340,000 · 2 bd / 2.0 ba · listed September 23, 2026 (courtesy of RE/MAX REALTY UNLIMITED)
- 5806 Shell Ridge Drive · $735,000 · 4 bd / 3.0 ba · listed September 14, 2026 (courtesy of RE/MAX REALTY UNLIMITED)
- 13506 Circa Crossing Drive · $354,900 · 2 bd / 2.0 ba · listed September 5, 2026 (courtesy of ARC REALTY GROUP)
Recently off market in FISHHAWK RANCH WEST PH 3B
- 6335 Knob Tree Drive · last listed $835,000 · 2026-09-26
- 6008 Sparrowhead Way · last listed $495,000 · 2026-09-19
- 5724 Circa Fishhawk Boulevard · last listed $357,000 · 2026-09-17
- 13928 Swallow Hill Drive · last listed $474,900 · 2026-09-17
- 13931 Natures Reserve Drive · last listed $624,900 · 2026-09-15
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
More on FISHHAWK RANCH WEST PH 3B
Go deeper on FISHHAWK RANCH WEST PH 3B
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 Hillsborough 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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 13943 Natures Reserve Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $449/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 Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,640 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 $6,562/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; 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 13943 Natures Reserve Drive and when was it built?
Per the listing record, 13943 Natures Reserve Drive was built in 2019 and has 2,640 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 13943 Natures Reserve Drive in?
13943 Natures Reserve Drive is in Fishhawk Ranch West Ph 3B in Lithia, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 13943 Natures Reserve Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $449 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 13943 Natures Reserve Drive differ from the current owner's?
The estimate on this page (about $6,562 per year) assumes reassessment at the list price less the homestead exemption. 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 13943 Natures Reserve Drive 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.
See 13943 NATURES RESERVE DRIVE 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.
Momentum Realty · licensed in FL & GA
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.