Enclave at
Terra Bella Homes for Sale in Land O' Lakes, FL

Homes by WestBay enclave · Terra Bella, Land O' Lakes · Pasco County · ZIP 34639

A Homes by WestBay enclave inside the Terra Bella master area off SR 54, gated single-family living in central Land O' Lakes.

SR 54 corridorConservation and water-view lotsHOA plus CDD

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Enclave at Terra Bella is one section of the larger Terra Bella area, so the fee and lot picture is best read by the specific parcel, not by a single community average. Confirm the HOA and CDD lines per home.

Free · No obligation

Unlock Off-Market Enclave at Terra Bella

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's Current Read

"Enclave at Terra Bella is a finished, mostly built-out Homes by WestBay enclave inside the larger Terra Bella master area, so the read is a resale read, not a new-build one: condition, the specific lot, and the combined HOA plus CDD carrying cost drive the number more than the Terra Bella name. The community sits just north of SR 54 in central Land O' Lakes, one of the fastest-growing corridors in the Tampa Bay metro, which supports demand but also means active road construction and traffic nearby. Conservation and water-view lots carry a premium that holds; interior lots do not. Your leverage is buying the right parcel and reading the CDD term and the roof and systems on a home now a decade or more old."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Enclave at Terra Bella is a gated single-family enclave inside the larger Terra Bella master-planned area in central Land O' Lakes, Pasco County, just north of SR 54. Most of the homes were built between 2011 and 2023 by Homes by WestBay, a regional Tampa Bay builder, in a mix of contemporary and Mediterranean styles on conservation and water-view lots (Lipply Real Estate and neighborhood guides, 2026).

The broader Terra Bella area was developed by Flagship Development and carries a Community Development District, the Terra Bella CDD, established in 2010 to finance the community's infrastructure through bonds repaid by an annual assessment on the tax bill. That means most homes here carry both an HOA and a CDD line, so the combined carrying cost has to be read per parcel.

The Terra Bella name covers more than the Enclave, including the larger Terra Bella subdivision and nearby apartments and senior living, so the honest read is by the specific section and parcel, not by one area average. The amenity package centers on a resort-style pool, cabana, and playground.

The pitch is a finished gated enclave on the SR 54 corridor with quick access to I-75, Wesley Chapel retail, and the growing Land O' Lakes job and medical base. The work is verifying the HOA and CDD, reading the lot premium honestly, and budgeting roof and systems on a home that is now a decade or more old.

Quick Match

Who Enclave at Terra Bella is best for.

Best for

Buyers who want a finished gated single-family enclave near SR 54
Commuters who will use SR 54 and I-75 to reach Wesley Chapel and Tampa
Buyers who value conservation or water-view lots and will pay the premium
Buyers comfortable with a combined HOA and CDD carrying cost

Probably not for

Buyers who want a brand-new home with a full builder warranty
Anyone unwilling to verify the HOA and the CDD assessment per parcel
Buyers who need a short, traffic-free commute into central Tampa
Buyers who want a large resort amenity base rather than a pool and playground

Market Pulse

How Enclave at Terra Bella 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

+127%Median price since 2012appreciation

+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 Enclave at Terra Bella listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Enclave at Livingston or Land O' Lakes. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Enclave at Terra Bella buys, holds, and resells. See the five factors.

Interactive Map

Enclave at Terra Bella on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

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 Club & Membership

15-Second Take

The amenity package centers on a resort-style pool and cabana
A community playground serves the neighborhood
Amenities are HOA maintained, confirm access rules
The gated entry and common areas sit under the HOA
Verify current amenities and any fees with the HOA

Enclave at Terra Bella is a gated single-family enclave inside the larger Terra Bella master-planned area in central Land O' Lakes, built largely by Homes by WestBay between 2011 and 2023. The amenity package centers on a resort-style pool, cabana, and playground, with conservation and water-view lots throughout. The broader Terra Bella area carries a Community Development District in addition to the HOA, so the lifestyle comes with a combined carrying cost that should be verified per parcel. Confirm the specific section, amenities, and fees before you buy.

Nearby & Commute

How far is everything?

The takeaway

Enclave at Terra Bella trades a longer central-Tampa commute for a finished gated enclave on the SR 54 corridor, with I-75, Wesley Chapel retail, and the growing Land O' Lakes medical base a short drive away.

Drive times from Enclave at Terra Bella. They are approximate and vary with traffic and your exact start point inside the community.

SR 54 corridor retail~5 min · everyday shopping

I-75 at SR 56~10 to 15 min · interstate access

Tampa Premium Outlets~15 to 20 min · Wesley Chapel area

The Shops at Wiregrass~15 to 20 min · Wesley Chapel

Moffitt Speros campus (Land O' Lakes)~15 to 20 min · growing medical base

Tampa International Airport~35 to 50 min · via SR 54 and I-275

Downtown Tampa~40 to 55 min · via I-75 or US 41

Distances and drive times are approximate and vary with traffic and your exact parcel, and SR 54 has had active construction. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Enclave atTerra Bella Homes for Sale in Land O' Lakes, FL with Momentum Realty’s local guides.

OPOakwood Preserve Homes for Sale in Lutz, FLLutz, FL · 1.0 mi GOGrand Oaks Homes for Sale in Land O' Lakes, FLLand O' Lakes, FL · 1.3 mi LPLake PadgettEstates Homes for Sale in Land O' Lakes, FLLand O' Lakes, FL · 1.5 mi LELincolnwood Estates Homes for Sale in Lutz, FLLutz, FL · 1.5 mi WMWellington Manor Homes for Sale in Lutz, FLLutz, FL · 1.9 mi LALandings atBell Lake Homes for Sale in Land O' Lakes, FLLand O' Lakes, FL · 2.0 mi AEAsbel Estates Homes for Sale in Land O' Lakes, FLLand O' Lakes, FL · 2.0 mi SRSable Ridge Homes for Sale in Land O' Lakes, FLLand O' Lakes, FL · 2.3 mi SVStagecoach Village Homes for Sale in Land O Lakes, FLLand O Lakes, FL · 2.3 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

Enclave at Terra Bella (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

Pasco 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

Enclave at Terra Bella is served by Pasco 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

Denham Oaks Elementary (verify by address)

Verifyrating

Public

Cypress Creek Middle (verify by address)

Verifyrating

Public

Cypress Creek High (verify by address)

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Enclave at Terra Bella address.

The takeaway

What is actually shaping value around Enclave at Terra Bella: Pasco County's standing as one of Florida's fastest-growing counties, the SR 54 corridor road work, and the growing Land O' Lakes medical base anchored by Moffitt's Speros campus. Each item is sourced and linked.

Recent Developments in Enclave at Terra Bella

Development Intelligence

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

Net OutlookBullishPasco's rapid growth and the Land O' Lakes medical and retail build-out point to steady corridor demand, with the watch items being SR 54 traffic and construction and the combined HOA plus CDD carrying cost on older homes.

Pasco among Florida's fastest-growing counties

2025

BullishMajor impact

SignificanceRadius: County

Census data showing Pasco among the state's fastest-growing counties supports sustained relocation demand along the SR 54 and Land O' Lakes corridor.

Moffitt Speros campus build-out in Land O' Lakes

2026

BullishMajor impact

SignificanceRadius: Area

A growing medical and research campus minutes away adds jobs and services that underpin long-run demand for nearby established communities.

SR 54 corridor road construction

2025

NeutralNotable impact

SignificanceRadius: Area

Active FDOT work and lane closures on SR 54 mean traffic in the near term, even as the corridor's improvements support access over time.

Combined HOA plus CDD carrying cost

Ongoing

NeutralNotable impact

SignificanceRadius: Community

The Terra Bella CDD assessment sits on the tax bill alongside HOA dues, so the true carrying cost has to be read per parcel.

Older resale stock means condition risk

Ongoing

NeutralNotable impact

SignificanceRadius: Community

With homes now a decade or more old, roof age, systems, and insurability drive value and must be read per home.

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 Enclave at Terra Bella, 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 ↓

January 2026
Development
Moffitt opens outpatient cancer center on Land O' Lakes Speros campus
Moffitt Cancer Center held a grand opening for its outpatient center on the growing Speros FL campus in Land O' Lakes, the first completed building on a multi-phase Pasco County medical and research campus. Why it matters: A major medical employer minutes away strengthens the long-run demand case for established Land O' Lakes communities like Terra Bella. Source
October 2025
Market
Census report ranks Pasco among Florida's fastest-growing counties
A 2025 census report showed Pasco County among Florida's fastest-growing communities, with the county adding tens of thousands of residents and ranking high in the state for growth. Why it matters: Sustained population growth along the SR 54 and Land O' Lakes corridor supports demand for finished communities like the Enclave. Source
April 2025
Infrastructure
SR 54 construction brings lane closures and delays in Pasco
FDOT began daytime lane closures on SR 54 eastbound near US 41 in Land O' Lakes to fix voids under the pavement, with delays scheduled through the spring of 2025. Why it matters: Near-term SR 54 construction and traffic are a real consideration for any corridor commute, even as the work improves the road over time. Source

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.

The Strategy

The Enclave at Terra Bella buying strategy.

If we were buying in Enclave at Terra Bella, this is the order of operations we would run, and the one we run for our clients.

Confirm the HOA and the CDD lines for the exact parcel. Terra Bella carries a CDD assessment on the tax bill in addition to HOA dues, so read both before you offer.

Read the lot, not just the house. Conservation and water-view parcels carry a premium that holds value, while interior lots do not, so the lot is the part the market protects.

Budget roof and systems on an older home. Much of the Enclave is a decade or more old, so the roof age, the systems, and the insurance quote drive the real cost at this price point.

Separate the Enclave from the wider Terra Bella area. The name covers several products, so verify which section a listing sits in and its specific fees.

Use the corridor context, and cross-shop the nearby Enclave at Livingston pipeline if you want newer construction in the same area.

The Quick Decision

Best Buy

An updated home on a conservation or water-view lot, priced to real comps

Biggest Risk

Underbudgeting roof, systems, and the combined HOA plus CDD carrying cost

Best Lot

A conservation or water-view parcel that holds its premium

Smart Timing

Confirm the HOA and the CDD assessment before you offer

Deep-Dive Intelligence

The full read, only if you want it.

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

Enclave at Terra Bella Homes For Sale

What your money buys in Enclave at Terra Bella.

The takeaway

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

Here are the broad resale bands in Enclave at Terra Bella today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Interior Entry

Enclave homes on interior lots where condition and roof age drive value. The more affordable way into a gated SR 54 enclave.

Lowest entry

The Updated Core

Renovated homes on solid lots, the heart of the Enclave resale market, where updates and a sound roof set the price.

Most inventory

The Top

Larger homes on conservation or water-view lots, the parcels that hold their premium best in the community.

Strongest resale

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

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Interior Entry

Enclave homes on interior lots where condition and roof age drive value. The more affordable way into a gated SR 54 enclave.

The Updated Core

Renovated homes on solid lots, the heart of the Enclave resale market, where updates and a sound roof set the price.

The Top

Larger homes on conservation or water-view lots, the parcels that hold their premium best in the community.

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

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Enclave at Terra Bella, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Golf and lake lots resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Enclave at Terra Bella is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On golf, lake, and preserve frontage, the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

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.

Resale Strength Scorecard

How well Enclave at Terra Bella holds value.

Our read on the factors that protect resale here, and the one to manage.

Roofs (decade-plus stock)Budget roof age and insurance

Systems and HVACService and reserve on older homes

Kitchens and bathsMany original, some updated

Structure and build qualitySolid WestBay construction

Lot and settingConservation and water-view premium

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Enclave at Terra Bella

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Ignoring the optional club cost
Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

Golf frontage, lakefront, and preserve lots carry real, durable premiums. Pay an estate price for an interior lot and you are buying the weakest version of the value.

Ignoring the club decision

The club is optional and separate, so two similar homes can cost very differently to own. Buyers who do not price the membership they will actually use misread their real monthly number.

Skipping the systems check

A 1990s home means 1990s-era systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Enclave at Terra Bella is a finished gated enclave on the SR 54 corridor. The deal is won or lost on the lot, the condition, and the combined HOA and CDD carrying cost.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.5B · Buy Score

Resale Strength7.4/10

Renovation Risk4.8/10

Location Efficiency7.8/10

Long-Term Defensibility7.4/10

Carrying Cost Advantage6.4/10

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.

Momentum Housing Intelligence

Why our read on Enclave at Terra Bella 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.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

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

Conservation and water-view lots hold their premium best
Interior lots do not carry the same premium
Verify the FEMA flood zone for the exact address
Read the lot before the finishes inside
Confirm the CDD line that funds the lot's infrastructure

In a finished enclave like Terra Bella, the lot is the part of your money the market protects. Conservation and water-view parcels carry a premium that holds better than interior lots, because the house can be renovated but the view and the setting cannot. Read the lot and the flood map first, confirm the CDD assessment that funds the community's infrastructure, then price the condition of the home against the parcel.

The 15-Second Verdict

Enclave at Terra Bella in 15 seconds.

Best forBuyers who want a finished gated single-family enclave on the SR 54 corridor.

Biggest advantageConservation and water-view lots and quick SR 54 and I-75 access in a fast-growing corridor.

Biggest riskRoof, systems, and the combined HOA plus CDD carrying cost on an older home.

Sweet spotAn updated home on a conservation or water-view lot matched honestly to comps.

Avoid ifYou want a brand-new home or a short, traffic-free central-Tampa commute.

HOA, CDD & Fees

15-Second Take

Most homes carry both an HOA and a CDD, verify per parcel
The CDD assessment is on the tax bill, not the HOA dues
The Terra Bella CDD was established in 2010 to fund infrastructure
Confirm the CDD payoff term and balance for the parcel
Budget roof and systems on a home a decade or more old

Enclave at Terra Bella carries an HOA, and the broader Terra Bella area carries a Community Development District, the Terra Bella CDD, so most homes here have both an HOA due and a CDD assessment on the annual tax bill. Confirm the exact HOA dues and the CDD line for the specific parcel.

The HOA typically covers the gated entry, common areas, and the community amenities. The CDD assessment repays the bonds that funded the community's roads, drainage, and infrastructure, and it appears on the property tax bill rather than as an HOA due. Read both lines together.

Run Your Numbers

Tools for a Enclave at Terra Bella buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPasco County millage and the homestead picture.Rent vs buyThe breakeven on owning in Enclave at Terra Bella.Save Our HomesProject your homestead tax cap over time.

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.

Selling in Enclave at Terra Bella

Price it to the lot, the condition, and the CDD term, not a Terra Bella average.

Selling in Enclave at Terra Bella means pricing to your specific lot and condition, not to a Terra Bella area average that mixes the Enclave with the wider subdivision and apartments. The conservation or water view, the roof age, and the CDD balance are what set your number.

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 Enclave at Terra Bella, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Enclave at Livingston, 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 Enclave at Terra Bella home worth?

Get a no-obligation home value based on real comparable sales in Enclave at Terra Bella 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 Enclave at Terra Bella on the map →
Or get your Enclave at Terra Bella home value & selling guide →

Real comps, not a Zestimate.

Enclave at Terra Bella Market Scorecard

Strong seller's market

Enclave at Terra Bella 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

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 Enclave at Terra Bella?

Enclave at Terra Bella is a gated single-family enclave inside the larger Terra Bella area in central Land O' Lakes, Pasco County, just north of SR 54 in ZIP 34639, with quick access to I-75 and Wesley Chapel.

Who built Enclave at Terra Bella?

Most of the Enclave was built by Homes by WestBay, a regional Tampa Bay builder, largely between 2011 and 2023, in a mix of contemporary and Mediterranean styles (Lipply Real Estate and neighborhood guides, 2026).

Does Enclave at Terra Bella have HOA fees?

Yes. The Enclave carries an HOA, and the broader Terra Bella area carries a Community Development District. Most homes here have both an HOA due and a CDD assessment on the tax bill, so confirm both for any specific home.

What is the Terra Bella CDD?

The Terra Bella Community Development District was established in 2010 to finance the community's infrastructure through bonds, repaid by an annual non-ad valorem assessment on the property tax bill. Confirm the assessment and the remaining term per parcel.

Is Enclave at Terra Bella a new-construction community?

No. It is largely built out, with most homes dating from 2011 to 2023, so this is primarily a resale market. The nearby Enclave at Livingston is an approved-but-unbuilt townhome pipeline if you want newer product.

What lots are most desirable in the Enclave?

Conservation and water-view lots carry a premium that tends to hold value better than interior lots. Read the lot first, then price the condition of the home against it.

What amenities does Terra Bella offer?

The community amenity package centers on a resort-style pool, cabana, and playground. Confirm the current amenities and any access rules with the HOA before you buy.

What schools serve Enclave at Terra Bella?

The area is part of Pasco County Schools, with homes generally zoned to Denham Oaks Elementary, Cypress Creek Middle, and Cypress Creek High. Assignment is by address and can change, so confirm the zoned schools for any specific home.

How is the commute from Terra Bella to Tampa?

SR 54 runs east to I-75 and west toward the Suncoast Parkway, with Wesley Chapel and Tampa reachable by car. Drive times depend on your exact start point and the time of day, and SR 54 has had active construction.

How far is Terra Bella from shopping?

Tampa Premium Outlets and The Shops at Wiregrass in the Wesley Chapel area are a short drive east via SR 54 and I-75, along with the SR 54 corridor's everyday retail. Confirm drive times for your specific home.

Should I worry about flood zones in Terra Bella?

Flood exposure is parcel specific in Pasco County. Always run the FEMA flood zone and an insurance quote for the exact address during diligence, especially on conservation or water-adjacent lots.

Is Enclave at Terra Bella a good investment?

The SR 54 corridor and Land O' Lakes growth support demand, but this is a resale market with homes now a decade or more old, so roof, systems, insurability, and the combined HOA plus CDD carrying cost drive the outcome. This is not a guarantee of future value.

What is the difference between the Enclave and Terra Bella?

The Enclave at Terra Bella is one gated single-family section inside the larger Terra Bella area, which also includes the wider Terra Bella subdivision plus apartments and senior living. Verify which section a listing sits in and its specific fees.

Why read the CDD before buying here?

Because the CDD assessment is a real annual cost on the tax bill, separate from HOA dues, and it varies with the remaining bond term. Reading the CDD line is essential to understanding the true carrying cost of a Terra Bella home.

The Verdict

Should you buy in Enclave at Terra Bella?

An honest fit check. We will tell you when it is not your community.

Buyers who want a finished gated single-family enclave near SR 54Excellent fit

Commuters who will use SR 54 and I-75 to reach Wesley Chapel and TampaExcellent fit

Buyers who value conservation or water-view lots and will pay the premiumExcellent fit

Buyers comfortable with a combined HOA and CDD carrying costExcellent fit

Buyers who will read fees, the lot, and condition by parcelExcellent fit

Buyers who want a brand-new home with a full builder warrantyProbably not

Anyone unwilling to verify the HOA and the CDD assessment per parcelProbably not

Buyers who need a short, traffic-free central-Tampa commuteProbably not

Buyers who want a large resort amenity base rather than a pool and playgroundProbably not

Buyers unwilling to budget roof and systems work on an older homeProbably not

Get the inside read on Enclave at Terra Bella

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Enclave at Terra Bella 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.

You are all set.

A Momentum Realty Enclave at Terra Bella specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Enclave at Terra Bella — what to look for, questions to ask, and your local expert.

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.

Enclave atTerra Bella Homes for Sale in Land O' Lakes, FL

The 60-Second Overview

Who Enclave at Terra Bella is best for.

Best for

Probably not for

How Enclave at Terra Bella is performing right now

Enclave at Terra Bella on the map.

The Club & Membership

How far is everything?

Nearby Communities

Schools

Denham Oaks Elementary (verify by address)

Cypress Creek Middle (verify by address)

Cypress Creek High (verify by address)

Recent Developments in Enclave at Terra Bella

Pasco among Florida's fastest-growing counties

Moffitt Speros campus build-out in Land O' Lakes

SR 54 corridor road construction

Combined HOA plus CDD carrying cost

Older resale stock means condition risk

Moffitt opens outpatient cancer center on Land O' Lakes Speros campus

Census report ranks Pasco among Florida's fastest-growing counties

SR 54 construction brings lane closures and delays in Pasco

The Enclave at Terra Bella buying strategy.

The full read, only if you want it.

What your money buys in Enclave at Terra Bella.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Enclave at Terra Bella holds value.

5 Mistakes Buyers Make in Enclave at Terra Bella

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Ignoring the club decision

Skipping the systems check

Momentum Buy Score.

Why our read on Enclave at Terra Bella is different.

Which Lots & Views Hold Value Best

Enclave at Terra Bella in 15 seconds.

HOA, CDD & Fees

Tools for a Enclave at Terra Bella buy.

Price it to the lot, the condition, and the CDD term, not a Terra Bella average.

In Enclave at Terra Bella, condition and view decide your number

What is your Enclave at Terra Bella home worth?

Price History: What Homes Here Have Actually Sold For

Enclave at Terra Bella Market Scorecard

Frequently Asked Questions

Should you buy in Enclave at Terra Bella?

Get the inside read on Enclave at Terra Bella

You are all set.

Need to sell fast in Pasco County?

You just read the data. Now see what your home is worth.

Enclave at
Terra Bella Homes for Sale in Land O' Lakes, FL