Cambridge Cove
Homes for Sale in Lutz, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 8 closed sales in Cambridge Cove in Lutz, FL since 2014, the most recent in October 2025. Across Lutz as a whole, 318 homes closed in the last 12 months at a median of $475,000, 41 median days on market, with 72 homes for sale today. At that median and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $7,670 ($7,020 with the full homestead exemption).
Cambridge Cove is a small, single-phase community built out in 2004 and 2005, and that consistency shows up in the housing stock: this isn't a mix of eras or builders, it's one snapshot in time. With only 36 homes total, inventory here is thin by nature, and a single listing can move the visible market noticeably.
The homestead share sitting near 87% tells you most owners have filed for the exemption, which generally points to longer hold periods rather than a revolving door of investor or short-term ownership. For a buyer, that means fewer distressed or rushed listings to work with, and for a seller, it means your comparable sales pool is small and every closed transaction carries more weight than it would in a larger subdivision.
The 60-Second Overview
Cambridge Cove in Lutz is a compact, single-era community of 36 homes built in 2004 and 2005, with a median living area of just under 2,952 square feet — larger-footprint homes typical of that mid-2000s construction period in Pasco County.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Cambridge Cove is best for.
Best for
- Buyers prioritizing square footage and willing to evaluate condition home-by-home rather than relying on a uniform recent-build standard.
- Buyers comfortable with a smaller resale pool who are working with an agent tracking this specific community's activity.
- Sellers with a well-maintained, updated home who want to stand out in a market where most comparable inventory is roughly the same age.
Probably not for
- Buyers who want an HOA-managed amenity package like a pool or clubhouse as part of the purchase.
- Buyers needing a wide selection of active listings to compare side by side at any given moment.
- Buyers seeking new or recently built construction rather than homes now roughly two decades old.
The market around Cambridge Cove
Cambridge Cove is too small for its own price trend, so here is the market around it.
In ZIP 33558, 149 homes are on the market and 16% are under contract — a slower corner of Lutz.
Across Pasco County, 4,382 homes are active and 1,285 pending (23% under contract).
ZIP and county figures describe the wider market, not Cambridge Cove specifically. Momentum Research analysis of MLS records.
The Cambridge Cove buying strategy.
If we were buying in Cambridge Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cambridge Cove.
One build era, one size story
Because Cambridge Cove was built almost entirely within a two-year window, there's little variation in floor plan generation or construction-era finish level from block to block. What separates one listing from another here is going to be maintenance, updates, and how the individual owner has treated the home over roughly two decades, not the age of the structure itself.
The current MLS record shows no identified community amenities tied to Cambridge Cove specifically, so this is a neighborhood built around the homes rather than a clubhouse, pool, or gated feature set. Anyone evaluating this community should weigh lot and floor-plan size against Lutz-area location rather than shared recreational infrastructure.
The location and the amenities are priced into every listing in Cambridge Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 36-home community, general market averages don't tell you much — you need someone tracking the handful of actual comparable closings and pending contracts in real time. We watch Cambridge Cove at that granular level, so pricing conversations are based on what's actually happened inside this specific community, not a Lutz-wide blend.
Cambridge Cove in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Cambridge Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cambridge Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cambridge Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cambridge Cove home worth?
Get a no-obligation home value based on real comparable sales in Cambridge Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Lutz →
Should you buy in Cambridge Cove?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cambridge Cove with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2014 (8 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Cambridge Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
Cambridge Cove Market Scorecard
Cambridge Cove is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 33558 ZIP is $550,594, about 2.8% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.