Indian Lakes
Homes for Sale in Lutz, FL
All 304 homes for sale in Lutz, FL · median $499,450 · 39 homes for sale in 33559 · Pasco County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of BETROS REALTY INC · via Stellar MLS
Over the 12 months ending 2026-11-06, 3 recorded sales closed at a median of $455,000, $245 per square foot, a median 17 days on market, sellers accepting 100% of original asking. At the median price and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $7,350 ($6,700 with the full homestead exemption).
Indian Lakes is a tight-built pocket of Lutz — every home went up between 2001 and 2004, with a median year built of 2003, so there is little of the age-driven price spread you see in communities built over two or three decades. At a median of $360,000 and $254.13 per square foot, pricing here tracks condition and updates more than vintage, since the housing stock is essentially one generation.
With zero active listings at this snapshot and a median 78 days on market across recent closings, this is a community that trades in small batches rather than a steady flow. When something does list, there is no competing inventory to benchmark against in real time, which puts more weight on comparable closed sales from the last quarter than on what else is currently for sale.
Figures in this note are as of July 20, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Indian Lakes right now
🔴 Seller-leaning market. 2.4 months of supply and 67% 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 20, 2026. Confidence: Medium (3 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 8, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside indian lakes right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Indian Lakes market snapshot (as of September 20, 2026): the median sale price is about $380K ($250 per sq ft over the trailing 12 months of closed sales), a median 49 days on market for closed sales, and 2.4 months of supply, a seller-leaning market.
In ZIP 33548 (Lutz), 289 homes closed in the last 12 months at a median of $399K ($232/sq ft), up 24.9% year over year, with a median 22 days on market. Right now 3 active and 4 pending listings. See the live ZIP 33548 housing market and the Hillsborough County market.
County records show 8 qualified sales in indian lakes across 2024–2025 (6 in 2024, 2 in 2025), median $415,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Indian Lakes is a community of 78 homes in Lutz, Pasco County, built between 2001 and 2004 (median 2003.0), with a median living area of about 1,859 square feet. 78% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Indian Lakes is a single-era development in Lutz (Pasco County) built out over just a few years in the early 2000s, giving the 143-home community a consistent look and construction style rather than a mix of decades.
The setting & the homes.
Aerial and on-site photos of Indian Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Indian LakesPhotos from Stellar MLS listings in Indian Lakes; content deemed reliable but not guaranteed.
Who Indian Lakes is best for.
Best for
- Buyers targeting a home built in the early 2000s with consistent construction quality across the neighborhood
- Buyers comfortable watching for new listings and moving decisively given the current zero-inventory snapshot
- Owner-occupant buyers planning a longer hold, consistent with the high homestead share in the area
Probably not for
- Buyers who require on-site community amenities like a pool or clubhouse as part of the purchase decision
- Buyers who need to choose from multiple active listings to compare side by side right now
- Investors seeking a fast-turnover flip market rather than a primarily owner-occupied community
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($380K) IS the median in the snapshot above.
Windows contain 0 to 9 sales each (4 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 2005 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Escambia 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 · Escambia 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.
Indian Lake Market Scorecard
Indian Lake is currently a buyer-leaning market (limited data). Limited supply, a median asking price of n/a.
Typical home value in the 32533 ZIP is $326,095, about 20.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
The Indian Lakes buying strategy.
If we were buying in Indian Lakes 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 Indian Lakes.
One build era, one story to underwrite
Because Indian Lakes was constructed almost entirely within a four-year window, the underwriting story is simpler than in most Lutz communities: you are largely evaluating condition, updates, and lot rather than sorting out which decade a given block was built. Median living area sits at 1,859 square feet, putting the typical home in a mid-size single-family range consistent with the early-2000s Pasco County product of that vintage.
The 77.6% homestead share indicates the large majority of these homes carry a primary-residence exemption, which points to a market where turnover is driven more by life-stage moves than by rapid investor flipping. Combined with a median 78 days on market and no MLS-documented community amenities, this reads as a straightforward, non-amenitized subdivision where the home itself — not a clubhouse or gate — is the product being priced.
The location and the amenities are priced into every listing in Indian Lakes. 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 Indian Lakes 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 (8.1). Basis: Long-Term Appreciation +175% since 2012; Liquidity & Demand 2.4 months of supply; Owner Commitment 78% owner-occupied; Pricing Power 95.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With no active listings at this snapshot, pricing a home in Indian Lakes correctly means leaning on the last quarter of closed comparables rather than a live competitive set — we track that closing data and the 78-day median timeline closely so sellers price to the actual pace of this market and buyers know what to expect on offer strategy when something finally lists.
Indian Lakes in 15 seconds.
Tools for a Indian Lakes 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 Indian Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Indian Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Indian Lakes home worth?
Get a no-obligation home value based on real comparable sales in Indian Lakes, 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 indian lakes
Homes in indian lakes 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. 2 on record.
- 1447 Crazy Horse Drive · off market
- 1622 Crazy Horse Dr · off market
| Location | Lutz, Pasco County, FL · ZIP 33548, 33559 |
|---|---|
| Homes in the community | 137 (FL DOR 2025 assessment roll) |
| Years built | 2001–2004 (median 2003) |
| Typical living area | 1,873 sq ft (median) |
| Sale prices, last 12 months | $455,000 median across 3 closed sales · $245 per sq ft |
| Days on market (closed sales) | 17 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 77% |
Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Indian Lakes key facts,” movewithmomentum.com/neighborhoods/indian-lake, data as of November 6, 2026.
Recently sold in Indian Lake
- 1622 Crazy Horse Dr · sold $455,000
- 1447 Crazy Horse Drive · sold $535,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Lutz home searches
- All homes for sale in Lutz, FL
- Homes for sale in Pasco County, FL
- Gated communities in Lutz
- Homes from $300K to $500K in Lutz
- Lutz home values: what is my house worth?
Lutz guides & data
- Market data
- Cost of living
- Best neighborhoods
- Property taxes (Hillsborough County)
- Homestead exemption (Hillsborough County)
- Home insurance cost
- New construction (Hillsborough County)
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
Real estate agent in Lutz? Join Momentum in Lutz: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Canoe Drive (31 homes on record)
- Canoe Drive (1 homes on record)
- Canoe Drive (1 homes on record)
Email me new listings in Indian Lakes
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Indian Lakes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Indian Lakes will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Indian Lakes
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $392/year (about $33/month) across 8 MLS listings (most billed annually; 2026-11-08). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
Frequently Asked Questions
What is the median home price in Indian Lakes?
How long do homes in Indian Lakes take to sell?
Is Indian Lakes a buyer's or seller's market right now?
How many homes are in Indian Lakes?
What share of Indian Lakes is owner-occupied?
When were the homes in Indian Lakes built?
Have Indian Lakes home prices gone up?
Who is the best real estate agent for Indian Lakes?
How do I find a top Lutz real estate agent who knows Indian Lakes?
Can Momentum Realty connect me with an agent for Indian Lakes?
Where is Indian Lakes, and what county is it in?
Should you buy in Indian Lakes?
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: November 5, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 33559)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (65 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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how indian lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Indian Lakes
- Home values · What homes in Indian Lakes actually sell for
Schools serving nearby communities
We do not have a confirmed school assignment for Indian Lakes. These are the public schools most often assigned to other communities in ZIP 33559; zones change and vary by address, so confirm with the district before you buy.
- Denham Oaks Elementary · Public · FLDOE grade B (assigned to 2 nearby communities)
- Cypress Creek Middle School · Public · FLDOE grade A (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).