Cypress Green in Palm Harbor

Cypress Green Homes for Sale in Palm Harbor, FL

Built 1981 to 1983 · Palm Harbor, Pinellas County · ZIP 34684

A small early 1980s Palm Harbor enclave, the low-fee, school-driven way into a sought-after Pinellas zip.

Palm Harbor schoolsLow HOAEstablished 1980s build
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Cypress Green is a small, uniform enclave, so condition, roof age, and the specific lot drive the number far more than the neighborhood name. Verify the HOA line and flood zone for the exact parcel.
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Unlock Off-Market Cypress Green

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
n/a
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Cypress Green is a compact single-family enclave in Palm Harbor, built in the early 1980s, and the read here is a condition read, not a master-plan read. The draw is the address: an established Pinellas neighborhood zoned to highly regarded Palm Harbor public schools, with a famously low HOA and easy access to US 19. Because the homes are roughly forty years old and modest in size, the deal is won or lost on roof age, systems, windows, and an honest insurance and condition budget, not on the headline price. Confirm the HOA line, any flood exposure, and the zoned schools for the exact parcel before you fall for the location."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cypress Green is a small single-residential neighborhood in Palm Harbor, in northern Pinellas County, built between 1981 and 1983 (Homes by Marco and Neighborhoods.com, 2026). The homes are modest, generally three-bedroom, two-bath layouts in the roughly 1,080 to 1,660 square foot range, set on streets like Cypress Green Drive, Glen Haven Drive, and Grenoble Drive east of US 19.

The appeal is the address rather than amenities. Cypress Green sits in an established part of Palm Harbor near Highland Lakes, zoned to well-regarded Pinellas public schools including Highland Lakes Elementary, Carwise Middle, and Palm Harbor University High, and it carries a notably low HOA reported in the single dollars per month (Homes by Marco, 2026). Always confirm the current dues and what they cover for the specific home.

Because the housing stock is roughly forty years old and uniform, this is a condition-driven market. Roof age, HVAC, windows, and updates separate one home from the next far more than the Cypress Green name does, so the renovation and insurance math is the heart of the diligence.

The pitch is a low-fee, school-driven entry point into a desirable Pinellas zip, with the work being an honest read of an older home's condition and the parcel's flood and insurance picture before you compete on price.

Best for

  • Buyers who want a sought-after Palm Harbor school zone at an established price
  • Buyers who prefer a low HOA over an amenity-heavy master plan
  • Buyers comfortable budgeting roof, systems, and insurance on an early 1980s home
  • Right-sizing buyers who want a modest, single-story Florida home

Probably not for

  • Buyers who want new construction or large square footage
  • Buyers who want a gated, amenity-dense community feel
  • Anyone unwilling to verify HOA, flood zone, and condition per parcel
  • Buyers who need waterfront or a brand-new roof and systems out of the box

How Cypress Green is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
72Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cypress Green listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Cypress Green buys, holds, and resells. See the five factors.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

Cypress Green trades amenities for an established Palm Harbor address, with US 19 and the Veterans Expressway carrying you to Tampa, the airport, and the northern Pinellas Gulf beaches.

US 19 retail corridor~3 to 5 min · shopping and services
Highland Lakes Executive Golf Course~5 min · nearby golf
Downtown Palm Harbor~10 min · shops and dining
Honeymoon Island State Park~15 to 20 min · Gulf beach
Tampa International Airport~35 to 45 min · via Veterans Expressway
Downtown Tampa~40 to 50 min · via Veterans Expressway
AdventHealth North Pinellas~10 min · local hospital

Distances and drive times are approximate and vary with traffic and your exact parcel. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cypress Green Homes for Sale in Palm Harbor, FL with Momentum Realty’s local guides.

SGStrathmore Gate East Homes for Sale in Palm Harbor, FLPalm Harbor, FL · adjacentGCGleneagles Cluster Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.1 miFLFox Lake Townhomes in Palm Harbor, FLPalm Harbor, FL · 0.2 miLTLake TarponMobile Home Village Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.2 miLPLake Pointeat Countryside Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.4 miVSVillage of SomersetWoods Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.4 miCRCobbs RidgePalm Harbor Homes for SalePalm Harbor, FL · 0.4 miQAQueen Anne Gate Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.5 miLVLake Valencia Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Cypress Green (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Cypress Green is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Highland Lakes Elementary School (verify by address)

Verifyrating
Public

Carwise Middle School (verify by address)

Verifyrating
Public

Palm Harbor University High School (verify by address)

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Cypress Green address.

The takeaway

What is actually shaping value around Cypress Green: the major US 19 reconstruction running through this part of Pinellas, the Palm Harbor school and address premium, and the parcel-level flood and insurance picture that drives ownership cost on older homes. Each item is sourced and linked.

Recent Developments in Cypress Green

Our read on what is being built around Cypress Green, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishPalm Harbor's established demand and school draw point to steady interest, with the near-term watch items being US 19 construction disruption through 2029 and how FEMA flood map updates affect insurance on older Pinellas homes.

US 19 reconstruction through northern Pinellas

2025
NeutralMajor impact
SignificanceRadius: Area

FDOT is rebuilding US 19 into a controlled-access road from SR 580 to CR 39, a long-term access improvement that brings construction disruption near Palm Harbor until completion targeted for 2029.

Palm Harbor school zone and address premium

Ongoing
BullishNotable impact
SignificanceRadius: Community

Zoning to well-regarded Palm Harbor public schools and an established Pinellas address underpins steady demand for an enclave like Cypress Green.

FEMA flood map updates and insurance

2025
NeutralNotable impact
SignificanceRadius: County

Recent Pinellas flood map and policy updates can reshape insurance eligibility and cost, making the parcel-level FEMA check and a real quote essential on older homes.

Early 1980s housing stock means condition risk

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Homes here are roughly forty years old, so roof age, HVAC, and windows drive insurability and value and must be read per home.

Low HOA, low carrying cost

Ongoing
BullishMinor impact
SignificanceRadius: Community

A reported single-dollars-per-month HOA keeps fixed carrying cost low relative to amenity-heavy communities, though insurance is the variable to watch.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cypress Green, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. September 2025
    Infrastructure

    US 19 reconstruction continues through northern Pinellas

    FDOT is converting US 19 from SR 580 to CR 39 into a controlled-access roadway with raised main lanes and frontage roads, with construction frustrating drivers and businesses and completion expected in 2029. Why it matters: Near-term disruption is the cost of a long-term access upgrade on the corridor that serves Palm Harbor and Cypress Green. Source

  2. January 2025
    Risk

    Pinellas flood map and insurance updates in focus

    Updated FEMA flood designations and policy changes across Pinellas County, including parts of Palm Harbor, can shift which parcels carry lender-required flood insurance and at what cost, making the parcel-level check essential. Why it matters: On older homes, the flood zone and insurance quote are as important to the buy as the price. Source

Development alerts for Cypress GreenGet a short monthly email when something new is approved, funded, or opens near Cypress Green.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Cypress Green, this is the order of operations we would run, and the one we run for our clients.

1

Read the roof and systems first. These are early 1980s homes, so roof age, HVAC, and windows drive the insurance premium and the real cost of ownership at this price point.

2

Confirm the HOA line and what it covers. The dues here are reported as very low, but verify the current amount and inclusions for the specific home in writing.

3

Verify the flood zone and an insurance quote for the exact address. Pinellas flood designations are parcel specific, so run FEMA and a real quote during diligence.

4

Confirm the zoned schools by address. Palm Harbor assignment can change, so verify the exact elementary, middle, and high school for the parcel.

5

Use the location, and cross-shop nearby Palm Harbor options such as East Lake Woodlands if amenities or a gated feel outrank a low fee.

Best Buy
An updated early 1980s home with a newer roof and systems, priced to condition
Biggest Risk
Underbudgeting roof, HVAC, windows, and insurance on a forty-year-old home
Best Lot
A higher, drier parcel outside the flood zone
Smart Timing
Confirm the HOA line, flood zone, and zoned schools before you offer
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Cypress Green is a small, established single-residential neighborhood in Palm Harbor rather than an amenity community, so the lifestyle is quiet, low-fee, residential living close to US 19 and the conveniences of northern Pinellas County. Residents value the Palm Harbor school zone, the easy access to shopping and the Gulf, and the modest, walkable scale of the enclave. The Highland Lakes Executive Golf Course is nearby for golfers. Confirm any specific home's HOA, schools, and flood picture before you buy.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The As-Is Entry

An original early 1980s home that needs a roof, systems, or cosmetic work. The affordable way into the Palm Harbor school zone for buyers ready to renovate.

Lowest entry
The Updated Home

A well-maintained or updated home with a newer roof and systems, the heart of the resale market here and the lowest-risk buy.

Most inventory
The Top

A fully renovated home on a higher, drier lot, the stock that holds value best in a condition-driven enclave like this.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

The As-Is Entry
An original early 1980s home that needs a roof, systems, or cosmetic work. The affordable way into the Palm Harbor school zone for buyers ready to renovate.
The Updated Home
A well-maintained or updated home with a newer roof and systems, the heart of the resale market here and the lowest-risk buy.
The Top
A fully renovated home on a higher, drier lot, the stock that holds value best in a condition-driven enclave like this.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Roof age and replacementOften original or aging on early 1980s homes
HVAC and systemsForty-year-old systems may be at or past life
Windows and openingsWind mitigation and impact upgrades pay off
Kitchens and bathsCosmetic updates are straightforward value
Structure and footprintSimple single-story slab homes, low complexity

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Cypress Green

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Cypress Green sells the address, an established Palm Harbor zip with low fees and strong schools. The deal is won or lost on condition, the roof and systems math, and the parcel.

Jon Brooks · Founder, Momentum Realty
7.4B · Buy Score
Resale Strength7.6/10
Renovation Risk5.5/10
Location Efficiency8.0/10
Long-Term Defensibility7.2/10
Carrying Cost Advantage8.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Cypress Green is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • Higher, drier parcels outside the flood zone hold value
  • Verify the FEMA flood zone for the exact address
  • The lot and school zone come with the address, the house can be renovated
  • Confirm the HOA line and any reserves per parcel
  • Read the roof and systems before the finishes

In a small, uniform enclave like Cypress Green, the parcel and the address are the parts of your money the market protects. Higher, drier lots outside the flood zone, and the Palm Harbor school zone, hold value better than the finishes inside any one home. The house can be renovated; the flood zone and the school assignment cannot. Read the parcel and the flood map first, then price the condition of the home, especially the roof and systems, against it.

Cypress Green in 15 seconds.

Best forBuyers who want a sought-after Palm Harbor school zone at an established price.
Biggest advantageA desirable Pinellas address with a low HOA and easy US 19 access.
Biggest riskRoof, systems, and insurance on early 1980s homes, plus parcel-level flood exposure.
Sweet spotAn updated home with a newer roof and systems, priced honestly to condition.
Avoid ifYou want new construction, big square footage, or a gated amenity community.

HOA, CDD & Fees

15-Second Take
  • HOA is reported as very low, confirm the current line
  • No CDD is typical here, verify the tax bill
  • Budget a roof and systems reserve on early 1980s homes
  • Flood zone is parcel specific, check FEMA and insurance
  • Confirm zoned Palm Harbor schools by address

Cypress Green is reported to carry a notably low HOA, in the single dollars per month range (Homes by Marco, 2026), with no CDD typical for an early 1980s Pinellas neighborhood. Confirm the current dues, what they cover, and the exact tax lines for the specific parcel before you rely on any figure.

A low HOA at this level typically supports basic common-area items and neighborhood upkeep rather than gated security or rich amenities. Verify exactly what the association covers and any reserve or special assessment status for the specific home.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Cypress Green, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping East Lake Woodlands, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Cypress Green home worth?

Get a no-obligation home value based on real comparable sales in Cypress Green matched to your condition, lot, and view, 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 Cypress Green on the map →
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Real comps, not a Zestimate.

Cypress Green Market Scorecard

Strong seller's market

Cypress Green is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 79 days.

1.8
Months supply
$1,019,500
Median list
$847,500
Median sold
$313
Per sqft
79
Days on mkt
6/8/41
Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Cypress Green?
Cypress Green is a single-residential neighborhood in Palm Harbor, in northern Pinellas County, set east of US 19 near Highland Lakes, in ZIP 34684.
When was Cypress Green built?
Cypress Green was built between 1981 and 1983 (Homes by Marco and Neighborhoods.com, 2026), so the homes are roughly forty years old and condition varies by how each has been maintained and updated.
What kind of homes are in Cypress Green?
It is a small enclave of single-family homes, generally three-bedroom, two-bath layouts in the roughly 1,080 to 1,660 square foot range. Confirm the exact size and features for any specific home.
Does Cypress Green have an HOA?
Yes, but it is reported as a notably low HOA, in the single dollars per month range (Homes by Marco, 2026). Confirm the current dues and what they cover in writing for the specific home.
Is there a CDD in Cypress Green?
A CDD assessment is not typical for an early 1980s Pinellas neighborhood like this. Always verify the tax bill for the exact parcel to confirm there is no CDD line.
What schools serve Cypress Green?
Cypress Green is in Pinellas County Schools and has been associated with Highland Lakes Elementary, Carwise Middle, and Palm Harbor University High. Assignment is by address and can change, so confirm the zoned schools for any specific home.
Is Palm Harbor a good place to buy?
Palm Harbor is an established and sought-after part of northern Pinellas County known for its schools and access to the Gulf. As with any older neighborhood, value depends on the specific home's condition and the parcel.
Should I worry about flood zones in Cypress Green?
Flood exposure is parcel specific across Pinellas County, and FEMA designations have been updated in recent map cycles. Always run the flood zone and an insurance quote for the exact address during diligence.
What is the commute like from Cypress Green?
The neighborhood sits near US 19, the main north-south route through Pinellas, with Tampa reachable via the Veterans Expressway and area roads. Drive times depend on your exact start point and the time of day, and US 19 is under active construction nearby.
How far is Cypress Green from the beach?
The Gulf beaches of northern Pinellas, including Honeymoon Island, are a reachable drive west of Palm Harbor. Confirm the route and time for your specific home and departure time.
Why is condition so important in Cypress Green?
Because the homes are uniform and roughly forty years old, the roof age, HVAC, windows, and updates separate one home from the next far more than the neighborhood name. The renovation and insurance math is the heart of the buy.
Is Cypress Green a good investment?
The Palm Harbor address, the school zone, and the low HOA support demand, but this is a condition-driven older-home market. Roof, systems, and insurability drive the outcome, and this is not a guarantee of future value.
Is Cypress Green gated or amenity-rich?
No. It is a small, low-fee single-residential neighborhood rather than a gated, amenity-dense master plan. Buyers who want amenities should cross-shop nearby communities such as East Lake Woodlands.
How big is Cypress Green?
It is a compact enclave centered on streets including Cypress Green Drive, Glen Haven Drive, and Grenoble Drive, so turnover is limited and well-kept homes tend to draw steady interest.
Buyers who want a sought-after Palm Harbor school zone at an established priceExcellent fit
Buyers who prefer a low HOA over an amenity-heavy communityExcellent fit
Buyers comfortable budgeting roof, systems, and insurance on an older homeExcellent fit
Right-sizing buyers who want a modest, single-story Florida homeExcellent fit
Buyers who will read condition, flood zone, and the HOA line by parcelExcellent fit
Buyers who want new construction or large square footageProbably not
Buyers who want a gated, amenity-dense master planProbably not
Anyone unwilling to verify HOA, flood zone, and condition per parcelProbably not
Buyers who need a turnkey home with new roof and systems out of the boxProbably not
Buyers who want waterfront or a resort-style amenity setProbably not

Get the inside read on Cypress Green

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cypress Green home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Cypress Green specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Cypress Green — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.

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