Covington
Homes for Sale in Land O Lakes, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
Homes listed or recently sold were built 1978–2022; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 73 ft). As of October 2026, the MLS records 19 closed sales in Covington Sub in Land O Lakes, FL since 2013, the most recent in February 2026. Across Land O Lakes as a whole, 1,104 homes closed in the last 12 months at a median of $394,990, 43 median days on market, with 219 homes for sale today. At that median and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $6,380 ($5,730 with the full homestead exemption).
| Location | Land O Lakes, Pasco County, FL · ZIP 34638 |
|---|---|
| Homes in the community | 161 (FL DOR 2025 assessment roll) |
| Years built | 1959–2022 (median 1987.0) |
| Typical living area | 1,382 sq ft (median) |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 65% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2013 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Covington Sub key facts,” movewithmomentum.com/neighborhoods/covington-sub, data as of September 20, 2026.
Covington Sub is an older, established pocket in Land O Lakes where the housing stock spans a long stretch of construction, from 1959 through 2022, with the middle of the range landing around 1991. That spread is the story here: price is driven less by a single vintage or floor plan and more by condition and how much a given home has been updated. Two houses of similar size can trade very differently depending on whether the kitchen, roof, and systems have been touched.
The typical home is modest in footprint, with living space right around 1,400 square feet, so this is not a market of sprawling new builds. Roughly two-thirds of homes carry a homestead exemption, which points to a settled, owner-occupied community rather than a churn of investor turnover. For a seller, condition and presentation are the levers. For a buyer, the wide age range means you underwrite each home on its own merits, not on a neighborhood average.
The 60-Second Overview
Covington Sub is a long-established Pasco County community of just over 100 homes where the age of the housing varies widely and value tracks condition more than square footage.
Stellar MLS sales records identify 38 homes in Covington that have changed hands since 2006, built between 1959 and 2022 (median 1994), with a median living area of about 1,290 sq ft and a typical 3-bedroom, 2-bath layout. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 14 qualified sales in Covington across 2024–2025 (8 in 2024, 6 in 2025), median $174,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
The setting & the homes.
Aerial and on-site photos of Covington. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Covington; content deemed reliable but not guaranteed.
Who Covington is best for.
Best for
- Buyers seeking a compact, established home in Pasco County who will underwrite condition carefully
- Buyers comfortable weighing an updated house against one needing work to find value
- Long-term owner-occupants who want a settled community over investor turnover
Probably not for
- Buyers who require new-build finishes and modern systems out of the box
- Buyers needing significantly more than roughly 1,400 square feet of living space
- Investors looking for high turnover and quick flip inventory
The market around Covington
Covington is too small for its own price trend, so here is the market around it.
In ZIP 34638, 324 homes are on the market and 27% are under contract — a steady corner of Land O Lakes.
Across Pasco County, 4,213 homes are active and 1,214 pending (22% under contract).
In ZIP 34638 (Land O Lakes), 1,727 homes closed in the last 12 months at a median of $395K ($181/sq ft), up 1.9% year over year, with a median 45 days on market. Right now 168 active and 81 pending listings put supply at about 2.2 months — a healthy market. See the live ZIP 34638 housing market and the Pasco County market.
ZIP and county figures describe the wider market, not Covington specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Covington Sub, Land O Lakes
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Covington
Live MLS inventory for Covington. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Covington listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2013 through 2026. Tap any home to ask about it.
Every Home for Sale in Covington Sub Right Now (2)
All 2 active and pending Covington Sub listings with a detail page, newest first, refreshed twice a day from the MLS.
- 19036 Brewer Road · $120,000 · 4 bd / 2 ba · pending · listed Sep 21, 2026 · listed by Nexthome Luxe Coastal
- 19201 Dove Road · $119,000 · 3 bd / 2 ba · pending · listed Sep 8, 2026 · listed by Epique Realty Inc.
Covington on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Pasco County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Connerton Elem · Elementary
- Pine View Middle-PO · Middle
- Land O' Lakes High-PO · High
Zoned schools reflect the assignments reported on recent Covington listings and can change; always confirm with Pasco County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Covington address.
The Covington buying strategy.
If we were buying in Covington 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 Covington.
Why condition sets the number
With a build range running from 1959 to 2022 and a median year built near 1991, Covington Sub is not a uniform subdivision — it is a mix of decades. A buyer here should expect to sort carefully between homes that have been renovated and homes that still carry their original systems. The median living area of roughly 1,400 square feet keeps most of these on the compact side, which puts a premium on smart layouts and updates over raw size.
The homestead share, at just under two-thirds, suggests a community held largely by owner-occupants rather than short-term holders. That tends to mean homes come to market when life changes rather than on a flip timeline, and inventory can be uneven. Patience and a willingness to move on the right updated home matter more here than chasing a headline price.
The location and the amenities are priced into every listing in Covington. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A community this varied in age and condition rewards a broker who reads each home individually. We help buyers price the gap between an updated house and one that needs work, and we help sellers position condition honestly so the home is measured against the right comparables rather than a blended average. That is the difference between a clean deal and a renegotiation after inspection.
Covington 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 Covington 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 Covington sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Covington, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Covington home worth?
Get a no-obligation home value based on real comparable sales in Covington, 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 homes for sale in Covington on the map →
23% of homes for sale in ZIP 34638 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-04).
Frequently Asked Questions
How many homes are in Covington?
What share of Covington is owner-occupied?
When were the homes in Covington built?
Who is the best real estate agent for Covington?
How do I find a top Land O Lakes real estate agent who knows Covington?
Can Momentum Realty connect me with an agent for Covington?
Where is Covington, and what county is it in?
Should you buy in Covington?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (7 streets, ZIP 34638)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (19 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 Covington Sub fits the bigger picture — live prices, inventory, and Momentum Scores:
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