Larocca Estates
Homes for Sale in Palm Harbor, FL
All 571 homes for sale in Palm Harbor, FL · median $405,000 · 184 homes for sale in 34683 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Homes listed or recently sold were built 2023 - 2025 with 2 new construction; 3 of 3 report an HOA (median $133/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 71 ft). As of November 2026, the MLS records 1 closed sale in Larocca Estates in Palm Harbor, FL, the most recent in October 2026. Across Palm Harbor as a whole, 1,346 homes closed in the last 12 months at a median of $399,950, 37 median days on market, with 485 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,750 ($6,940 with the full homestead exemption).
Last 30 days in Larocca Estates: 1 closed sale (median $865,000). As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Larocca Estates is a very small, new-construction enclave - just four homes, all built in 2023 or 2024. Price here is driven by condition and finish rather than any range of resale product, because there is essentially no vintage stock to compare against. The median living area sits near 2,888 square feet, so this is a larger-home pocket, and specification and lot differences will move individual numbers more than neighborhood trend ever could.
The market reads balanced at roughly 4 months of supply, with a single active listing and only a couple of closings in the recent window. In a community this size, one transaction changes the picture, so neither a buyer nor a seller holds a structural edge. Pricing has to be built from the specific home - the data set is too thin to carry you.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Larocca Estates right now
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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: Low (1 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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 Larocca Estates 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
A gated, deed-restricted pocket of recent construction in Palm Harbor, Larocca Estates is tiny by design - a handful of larger, newer homes behind a no-guard gate rather than a sprawling subdivision.
Stellar MLS sales records identify 7 homes in Larocca Estates that have changed hands since 2024, built between 2023 and 2025 (median 2024), with a median living area of about 2,554 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Larocca Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Larocca Estates
Larocca Estates
Larocca EstatesPhotos from Stellar MLS listings in Larocca Estates; content deemed reliable but not guaranteed.
Who Larocca Estates is best for.
Best for
- Buying a newer, larger home and valuing a gated, low-density setting
- Wanting move-in-ready construction with minimal near-term maintenance
- Comfortable pricing from a home's own specifications rather than a thick comp set
Probably not for
- Needing a wide selection of homes and frequent inventory to choose from
- Relying on years of resale history to validate a price
- Preferring a community with no gate, deed restrictions, or HOA to answer to
The market around Larocca Estates
Larocca Estates is too small for its own price trend, so here is the market around it.
In ZIP 34683, 217 homes are on the market and 24% are under contract — a steady corner of Palm Harbor.
Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).
In ZIP 34683 (Palm Harbor), 151 homes closed in the last 12 months at a median of $449K ($277/sq ft), down 5.1% year over year, with a median 40 days on market. Right now 65 active and 24 pending listings put supply at about 5.2 months - a balanced market. See the live ZIP 34683 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Larocca Estates specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Larocca Estates
Live MLS inventory for Larocca Estates. 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 Larocca Estates listings as of 2026-10-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. Tap any home to ask about it.
Larocca Estates 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 contributors.
Life at Larocca Estates
- Gated · reported on 3 of 4 listings
- Deed Restrictions · reported on 3 of 4 listings
- Gated Community - No Guard · reported on 3 of 4 listings
- Gated Community · reported on 2 of 4 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
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County 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 Larocca Estates listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Larocca Estates address.
Shop the zone: Homes zoned for Palm Harbor Univ High-Pn High School
The Larocca Estates buying strategy.
If we were buying in Larocca Estates today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Larocca Estates.
A four-home new-build enclave
Everything about the posture here follows from scale. With four homes total and homestead use reported on only about a third of them, Larocca Estates behaves like a boutique address rather than a market with its own rhythm. Expect thin comparable data and expect to lean on the specifics of the individual house - square footage, finish level, lot - when you set or test a price.
The community is gated without a guard and carries deed restrictions, so there are rules to review and an HOA to confirm them with. Amenities are drawn from MLS listings, so verify current access and any dues directly with the association before you lean on them. The upside of new construction is obvious: these homes are move-in current, with little deferred maintenance to budget for yet.
The location and the amenities are priced into every listing in Larocca Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a four-home community, there is no crowd of comps to hide behind - valuation is a hands-on exercise, and we treat it that way. We work the actual specifications of each home against the limited data that exists, pressure-test the number, and confirm the gate, the deed restrictions, and the HOA details in writing before you commit.
Larocca Estates in 15 seconds.
Tools for a Larocca Estates 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 Larocca Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Larocca Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Larocca Estates home worth?
Get a no-obligation home value based on real comparable sales in Larocca Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Larocca Estates
Homes in Larocca Estates 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.
- 201 Larocca Court · off market
| Location | Palm Harbor, Pinellas County, FL · ZIP 34683 |
|---|---|
| Homes in the community | 4 (FL DOR 2025 assessment roll) |
| Years built | 2023–2024 (median 2023.5) |
| Typical living area | 2,888 sq ft (median) |
| Amenities listed by sellers | Deed Restrictions, Gated, Gated Community - No Guard, Gated Community |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 33% |
| Zoned public schools | Pinellas County Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Larocca Estates key facts,” movewithmomentum.com/neighborhoods/larocca-estates-palm-harbor, data as of November 13, 2026.
Housing distress & ownership in Larocca Estates, Palm Harbor
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 October 2026 through October 2026. Deemed reliable but not guaranteed.
More Palm Harbor home searches
- All homes for sale in Palm Harbor, FL
- Homes for sale in Pinellas County, FL
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- Palm Harbor home values: what is my house worth?
Palm Harbor guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
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
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Email me new listings in Larocca Estates
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Ask an agent about Larocca Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Larocca Estates will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Larocca Estates
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 $133/month across 3 MLS listings (most billed quarterly; 2026-11-14). 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 Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2025 across 3 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas 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 · Pinellas 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.
Frequently Asked Questions
Is Larocca Estates a buyer's or seller's market right now?
How many homes are in Larocca Estates?
What share of Larocca Estates is owner-occupied?
When were the homes in Larocca Estates built?
What schools serve Larocca Estates?
Who is the best real estate agent for Larocca Estates?
How do I find a top Palm Harbor real estate agent who knows Larocca Estates?
Can Momentum Realty connect me with an agent for Larocca Estates?
Where is Larocca Estates, and what county is it in?
Should you buy in Larocca Estates?
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: October 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34683)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2023 (8 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.
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