16705 Hilltop Horizons Place, Dade City, FL 33523
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
16705 Hilltop Horizons Place in Hilltop Horizons, Dade City is listed at $1,167,500 (3,709 sq ft, about $315 per sq ft). It has been listed Oct 9, 2026. Listing facts: built in 2018, no HOA. 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
- 3,709 sq ft of living area
- 3-car garage
- Listed at $1,167,500 — recent neighborhood median sale price ~$578,750 (nearby sales; deemed reliable, not an appraisal)
- listed Oct 9, 2026
- No HOA reported by the listing (confirm)
About this home
Set on three private acres with a 360-degree panorama of the rolling hills of Dade City, this custom-built home offers a rare combination of space, privacy, thoughtful design, and sweeping views. Located in Hilltop Horizons, a neighborhood with no homeowners association rules or HOA fees, the property is protected by deed restrictions designed to preserve the character of the community. Just five miles from I-75, a winding, single-lane dead-end road leads to the gated driveway, creating an almost private approach to the home.
Along the way and from the property itself, enjoy open skies, a variety of trees, wildflowers and, at times, eagles soaring overhead. Glorious sunsets give way to nighttime views where Disney fireworks can sometimes be seen on the horizon and, occasionally, a Cape Canaveral rocket launch makes an appearance in the sky. With four bedrooms, four bathrooms and more than 3,700 square feet of heated living space, the home offers an abundance of flexible living areas.
Altogether, there are more than 5,200 square feet under roof, making impressive indoor and outdoor living spaces. The heart of the first floor is the spacious living room, centered around a fireplace, and open to the beautifully appointed kitchen. A large island comfortably seats four and connects the two spaces, making everyday living and entertaining seem effortless.
The chef-worthy kitchen is filled with thoughtful details, from the distinctive tall faucet to granite countertops surrounding a farmhouse-style sink. Plenty of solid-wood cabinetry and a pantry provides generous storage. Gleaming stainless-steel KitchenAid appliances include a five-door/drawer refrigerator, gas range with four burners plus griddle, microwave and a luxurious wine cellar.
Double doors open to the 448-square-foot screened back porch, complete with an outdoor kitchen, next to the hot tub. An exceptional setting for entertaining, dining or simply relaxing while taking in the long-range views. The primary suite is equally impressive.
A large window frames the rolling landscape, while a higher window welcomes the light. The ensuite bath provides dual vessel sinks, a private water closet and a spacious shower with two shower heads, while a window over a large oval soaking tub offers scenic views. The upper level can easily function as a generous guest suite or comfortable multigenerational living quarters.
Having both a full bathroom and also a kitchenette with a refrigerator, sink and a kegerator—useful for far more than just beer. A wall of closets makes what is now a game room an additional large bedroom. Two full dormer windows bring in abundant natural light while creating ideal spaces for separate home offices.
Back on the main level, two additional bedrooms share a hallway and full bathroom. Another spacious room, currently used as a sitting room, was designed with the option to add french doors and could easily become a large office, bedroom, gym or hobby space with a large window providing a view of the front yard. This is more than a home—it is a private retreat designed to take full advantage of its setting.
From peaceful mornings and spectacular sunsets to entertaining on the screened porch and watching eagles fly in the sky, this property offers a lifestyle that is difficult to duplicate. Schedule your private showing and allow plenty of time to experience all that this exceptional property has to offer. Then explore historic yet vibrant downtown Dade City not far away.
All 53 photos
Description provided by PREMIER SOTHEBY'S INTL REALTY 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 $6,416/mo 82%
- Taxes $1,022/mo 13%
- Insurance $372/mo 5%
$7,809/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 16705 Hilltop Horizons Place
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.
| HOA dues | The listing states there is no HOA. |
|---|---|
| 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 $3,000–$6,500/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. |
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 Hilltop Horizons market
How this home is priced against recent nearby sales, and where Hilltop Horizons 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 Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-09" data-fmt="dom">listed Oct 9, 2026</span>)
- Oct 7, 2026First seen on movewithmomentum.comObserved at $1,167,500
- 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: $578,750 ($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.
Directional estimate — built from 10 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 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $1,167,500 ($315/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% 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 & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 1 active listing competing
- 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 (10); MLS closed-sale records. 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 28, 2026.
Momentum Property Score
44/100 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: 4 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. 12.0 months of supply in the surrounding market and 19 days on market for this home, against a 19-day area median.Days on market:this home 19Area median: 19 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 2025 through 2025. As of September 20, 2026.
🟡 Asking $315 per square foot, about 63% above the community’s $193 median. Hilltop Horizons’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.
73% of homes in Hilltop Horizons are owner-occupied. An estimated 27% are non-owner-occupied, including 0% held in a company or trust and 0% 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), 20 homes matched. Community-level context.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by PREMIER SOTHEBY'S INTL REALTY · MLS # TB8552069
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More on HILLTOP HORIZONS
Go deeper on HILLTOP HORIZONS
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.
See schools in the HILLTOP HORIZONS guide → · 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 16705 Hilltop Horizons Place, 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.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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.
- Listed living area is 3,709 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 $12,259/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, checked against the MLS hourly (last: October 29, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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 16705 Hilltop Horizons Place and when was it built?
Per the listing record, 16705 Hilltop Horizons Place was built in 2018 and has 3,709 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 16705 Hilltop Horizons Place in?
16705 Hilltop Horizons Place is in Hilltop Horizons in Dade City, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 16705 Hilltop Horizons Place have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 16705 Hilltop Horizons Place differ from the current owner's?
The estimate on this page (about $12,259 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 16705 Hilltop Horizons Place 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.
See 16705 HILLTOP HORIZONS PLACE in person
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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 jon@movewithmomentum.com 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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.