Moving to Land O' Lakes, Florida: The 2026 Data Guide

By Jon Brooks, Co-Founder, Momentum Realty · Updated September 28, 2026

As of 2026-09-28, the median home sold in Land O' Lakes, Florida over the last 12 months went for $416,000 (778 closings across 43 communities in Momentum’s MLS record), about $181 per square foot for a median 2,045-sq-ft home built around 2008. Homes currently listed have been on the market a median of 38 days, and with 179 active listings against that sales pace the city is carrying roughly 2.8 months of supply. Sellers have been getting about 98% of their original asking price. That median is 4% above the median across Momentum’s Florida and Georgia coverage.

$416,000

Median sale (12 mo)

$181

Price per sq ft

$2,952

Est. monthly cost to own

38 days

Days listed (median)

2.8

Months of supply

50%

New construction share

Land O' Lakes right now — September 2026

$394,990

Median sale price (12 mo), +0.9% YoY

219

Homes for sale today

43 days

Median days on market

2.4 mo

Months of supply

$2,092

P&I on the median, 20% down at 6.95%

Live pages for your move: 473 homes for sale in Land O' Lakes · Luxury homes · New construction · Condos (18) · Townhomes (52) · Homes by ZIP (3 ZIPs) · New listings this week · Price reductions · What your budget buys in Pasco County · Cost of living · Best neighborhoods · Property tax · Flood zones by neighborhood · Pasco County homes for sale.

MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 28, 2026.

What your budget buys in Land O' Lakes

Three price points from 242 recent Land O' Lakes closings in our record, each showing what actually closed within 10% of that price:

Around $345,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,735 sq ft, built around 2007 (46 sales).
Around $416,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 1,975 sq ft, built around 2006 (63 sales).
Around $560,000: the typical sale in this band was a 4-bed, 3-bath home of about 2,713 sq ft, built around 2006 (41 sales).

The real monthly cost of owning in Land O' Lakes

Take the median $416,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $2,221/month. Pasco County’s typical total millage is 16.15 mills, so after the $50,000 homestead exemption the property tax is roughly $5,912/year ($493/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Pasco County is about $1,659/year; private-market quotes vary with roof age and wind mitigation. 97% of current Land O' Lakes listings carry an HOA, with a median of $100/month where one applies. All in, budget on the order of $2,952/month to own the median Land O' Lakes home including a typical HOA.

For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Pasco County property tax guide and our home insurance by county map.

Where people are buying: Land O' Lakes’s most active communities

The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.

Community	Sales (12 mo)	Median	Days listed
Angeline	255	$394,990	38
Deerbrook	122	$415,995	53
Bexley	53	$528,000	38
Connerton	40	$447,500	43
Del Webb Bexley	40	$492,500	61
Lakeshore Ranch	37	$533,500	47
Wilderness Lake Preserve	32	$547,750	35
Plantation Palms	29	$420,000	24

Land O' Lakes by ZIP code

Sales and medians by ZIP over the same 12 months: 34638 (145 sales, median $425,000), 34639 (61 sales, median $418,000), 34637 (27 sales, median $630,000).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 81% were single-family homes, 19% townhomes or villas. New construction accounted for 50% of closings, led by Angeline, Deerbrook, Riverstone. The housing stock skews mixed: 32% of homes sold were built in 2015 or later and 3% before 1980.

Getting around from Land O' Lakes

Measured from the center of Land O' Lakes’s recent sales: Tampa International Airport (TPA) is about 17 miles; Downtown Tampa is about 19 miles; Lakeland is about 34 miles; Sarasota is about 61 miles. Distances are straight-line; drive times depend on the corridor and time of day.

Schools, taxes, and insurance: where to verify

School assignments change; check the Pasco County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Pasco County’s typical millage of 16.15; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Pasco County average of $1,659/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.

Land O' Lakes: the case for and against

What works in Land O' Lakes’s favor

homes move quickly (median 38 days listed), so well-priced homes get competition
50% of sales are new construction, so builder incentives and warranties are part of the market
insurance is comparatively manageable here (Citizens average $1,659/year)
no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead

What to plan for

only about 2.8 months of supply, so choice is limited in the most popular price bands
97% of listings carry an HOA (median $100/month)
property taxes reset to your purchase price, so never budget off the seller’s bill

Your Land O' Lakes relocation toolkit

Common questions about moving to Land O' Lakes

How much does a house cost in Land O' Lakes, FL?

The median sale over the last 12 months was $416,000 (778 closings), about $181 per square foot. Among recent closings in our record a quarter sold under $345,000 and a quarter over $560,000.

What does it cost per month to own a home in Land O' Lakes?

For the median $416,000 home with 20% down at 7.03%, roughly $2,952 per month including principal, interest, Pasco County property tax after the homestead exemption, insurance, and a typical HOA.

What are property taxes like in Land O' Lakes?

Pasco County's typical total millage is 16.15 mills. On the median home that is about $5,912 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Land O' Lakes a buyer's or seller's market right now?

With about 2.8 months of supply and a median 38 days on market for current listings, conditions favor sellers.

Is there a lot of new construction in Land O' Lakes?

New construction was 50% of sales in the last 12 months, concentrated in Angeline, Deerbrook, Riverstone.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

Sales figures are Momentum Realty’s MLS record of closings in Land O' Lakes communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Pasco County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.