Heritage Harbor
Homes for Sale in Lutz, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of September 2026, heritage harbor ph 1b in Lutz, FL has 3 homes for sale. Over the 12 months ending 2026-09-12, 14 recorded sales closed at a median of $594,500, $218 per square foot, a median 24 days on market, sellers accepting 98% of original asking (+3% versus the prior year). Homes listed or recently sold were built 1999 - 2003; 15 of 15 report an HOA (median $125/mo); none of the 12 geocoded homes sit in a FEMA special flood hazard zone (median elevation 64 ft). At the median price and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $9,350 ($8,730 with the full homestead exemption).
Homes For Sale Right Now in Heritage Harbor
Live MLS inventory for Heritage Harbor. 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 Heritage Harbor listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Tap any home to ask about it.
Heritage Harbor right now
🔴 Seller-leaning market. 2.2 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: High (3 active and pending listings, 14 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($594K) is up 3.4% from the prior 12 months ($575K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: Medium (14 and 13 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Heritage Harbor market snapshot (as of September 12, 2026): the median sale price is about $594K ($218 per sq ft over the trailing 12 months of closed sales), a median 24 days on market for closed sales, and 2.2 months of supply, a seller-leaning market. The trailing-12-month median is up 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (14 closings in the current window).
Heritage Harbor is a community of 345 homes in Lutz, Hillsborough County, built between 1998 and 2004 (median 2002), with a median living area of about 3,027 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Heritage Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Heritage HarborPhotos from Stellar MLS listings in Heritage Harbor; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($594K) IS the median in the snapshot above, and the move from 2025 ($575K) IS the +3.4% one-year change.
Windows contain 0 to 22 sales each (14 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Hillsborough County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Hillsborough County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Heritage Harbor Market Scorecard
Heritage Harbor is currently a strong seller's market. About 2.2 months of supply, a median asking price of $469,900, and homes go under contract in about 14 days.
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: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in HERITAGE HARBOR PH 1B, LUTZ
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.
Heritage Harbor 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.
Life at Heritage Harbor
- Pool · reported on 13 of 14 listings
- Clubhouse · reported on 12 of 14 listings
- Golf · reported on 12 of 14 listings
- Tennis Court(s) · reported on 12 of 14 listings
- Fitness Center · reported on 11 of 14 listings
- Playground · reported on 11 of 14 listings
- Gated Community - No Guard · reported on 9 of 14 listings
- Deed Restrictions · reported on 9 of 14 listings
- Restaurant · reported on 8 of 14 listings
- Golf Carts OK · reported on 7 of 14 listings
- Park · reported on 7 of 14 listings
- Gated · reported on 6 of 14 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Hillsborough County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hillsborough County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Heritage Harbor listings and can change; always confirm with Hillsborough County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Heritage Harbor address.
Recent Developments in Heritage Harbor
Development, infrastructure, retail, and school activity affecting Heritage Harbor, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- July 2026Development
33-story tower planned for Water Street Tampa expansion
Strategic Property Partners plans a 33-story mixed use tower at Water Street and Cumberland Avenue in downtown Tampa on a 1.9-acre site. The building would hold 452 residential units ranging from studios to three bedrooms plus about 37,000 square feet of retail and 645 parking spaces. Construction is scheduled to begin in spring 2027 with completion targeted for 2029.
What it may mean for the marketAdds a 33 story tower with 452 residential units and ground floor retail to the downtown Tampa market, continuing the buildout of the Water Street district and expanding high rise housing supply. The project is about 16 miles south of Heritage Harbor, elsewhere in Hillsborough County.
Source: Florida YIMBY - July 2026Development
Mercy Oaks II affordable apartments open on North Florida Avenue
Catholic Charities, with the City of Tampa and Hillsborough County, completed Mercy Oaks II, a 17-unit affordable apartment building on North Florida Avenue in East Tampa built on the site of a former strip mall. The project includes 15 one-bedroom and two two-bedroom units, with seven units serving households up to 80 percent of area median income and ten up to 50 percent. It was supported by 1.25 million dollars in state SHIP funds from the city and sits next to the 20-unit Mercy Oaks I completed in 2022.
What it may mean for the marketAdds 17 income restricted apartments on a former strip mall site, expanding the affordable rental supply and converting vacant commercial land to housing. The project is about 11 miles south of Heritage Harbor, elsewhere in Hillsborough County.
Source: City of Tampa - July 2026Builder Activity
First 3D-printed affordable home nears completion in East Tampa
The nonprofit Corporation to Develop Communities of Tampa is completing Tampa's first 3D-printed affordable home on Lurline Circle in East Tampa, using a gantry-style printer that layers concrete for the walls. The house is expected to be finished within weeks and listed for sale in about two months, with down payment assistance and first time homebuyer programs available. The effort is part of a broader CDC initiative that includes more than 90 multifamily units in East Tampa.
What it may mean for the marketIntroduces 3D concrete printing construction to the local for sale housing market, with a new single family home and additional multifamily units planned. The method signals a new building technique entering the area home supply. The project is about 14 miles southeast of Heritage Harbor, elsewhere in Hillsborough County.
Source: Bay News 9 - April 2026Development
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
What it may mean for the marketA new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The site is about 8 miles north of Heritage Harbor.
Source: Tampa Bay Times - January 2026Development
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
What it may mean for the marketA large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The site is about 9 miles north of Heritage Harbor.
Source: WUSF
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 Heritage Harbor buying strategy.
If we were buying in Heritage Harbor 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Heritage Harbor.
A closer look at the Heritage Harbor market
At a median of $218 per square foot, Heritage Harbor prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 2.2 months of supply, a seller-leaning market and the trailing-12-month median up 3% year over year. Homes that do trade take a median 24 days on market, useful leverage on any listing that has lingered.
The housing stock is 345 homes built between 1998 and 2004, and 76% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Heritage Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Heritage Harbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.8). Basis: Recent Direction +3.4% year-over-year; Liquidity & Demand 2.2 months of supply; Owner Commitment 76% owner-occupied; Pricing Power 98.2% sale-to-list. Refreshed with each data update.
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 Heritage Harbor 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 Heritage Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Heritage Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Heritage Harbor home worth?
Get a no-obligation home value based on real comparable sales in Heritage Harbor, 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 →
Recently off market in heritage harbor ph 1b
Homes in heritage harbor ph 1b that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 4308 Harborwatch Lane · off market
Frequently Asked Questions
What is the median home price in Heritage Harbor?
How long do homes in Heritage Harbor take to sell?
Is Heritage Harbor a buyer's or seller's market right now?
How many homes are in Heritage Harbor?
What share of Heritage Harbor is owner-occupied?
When were the homes in Heritage Harbor built?
What schools serve Heritage Harbor?
Who is the best real estate agent for Heritage Harbor?
How do I find a top Lutz real estate agent who knows Heritage Harbor?
Can Momentum Realty connect me with an agent for Heritage Harbor?
Nearby Communities
Explore more neighborhoods near Heritage Harbor with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 33558)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2004 (147 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 heritage harbor ph 1b fits the bigger picture — live prices, inventory, and Momentum Scores: