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Oak Grove (Phases 4B to 5B) in Lutz

Oak Grove
Phases 4B to 5B Homes for Sale in Lutz, FL

Mid-2000s single-family · Lutz, Pasco County · ZIP 33559

An established mid-2000s enclave inside Lutz's larger Oak Grove community, low fees and quiet streets in fast-growing Pasco.

Established Lutz valueLow deed-restricted HOASuncoast Parkway access
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Phases 4B and 5B are specific sections of the larger Oak Grove community, so the honest read is by the exact parcel and home condition, not by one Oak Grove average.
Free · No obligation
Unlock Off-Market Oak Grove 4B to 5B

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

"Oak Grove Phases 4B and 5B are sections of a larger established Lutz community built mostly in the mid-2000s, so the read is an established-home read, not a new-build one. Roof age, systems, and insurability drive the number far more than the Oak Grove name, and Pasco County's sinkhole history means the geotechnical and insurance picture has to be read honestly per parcel. The upside is location: a low deed-restricted HOA, the Denham Oaks Elementary draw, and quick Suncoast Parkway access into Tampa, in a county that keeps growing. Your leverage is buying condition right and verifying the fees, flood zone, and insurance math before you fall for the price."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Oak Grove is an established deed-restricted single-residential community in the northeast section of Lutz, in Pasco County, built out in phases between roughly 1998 and 2006 (Lipply Real Estate and Homes by Marco community guides, 2026). Phases 4B and 5B are among the later sections, with many homes dating to around 2005.

This is an established-home market, not active new construction. Homes in Phases 4B and 5B include addresses on streets such as Panacea Court and Portofino Drive, in plans that ran from compact three-bedroom layouts up to larger five-bedroom homes (area listing guides, 2026). Condition, roof age, and insurability drive value here far more than the headline price.

The Oak Grove name covers a large community of several phases, so the money is made or lost on the specific phase, the parcel, and an honest read of the home's roof, systems, and any Pasco sinkhole history, not the community average.

The pitch is established value with growth-corridor access: a low deed-restricted HOA, the well-regarded Denham Oaks Elementary nearby, and quick Suncoast Parkway access into Tampa and the airport. The work is verifying the HOA line, the flood zone, and the insurance and roof math for the exact home before you commit.

Quick Match

Who Oak Grove 4B to 5B is best for.

Best for

  • Value buyers who want an established Lutz address with a low HOA
  • Commuters who will use the Suncoast Parkway to reach Tampa and the airport
  • Buyers comfortable budgeting roof and systems work on a mid-2000s home
  • Buyers who want the Denham Oaks Elementary school draw

Probably not for

  • Buyers who want a brand-new home with a full builder warranty
  • Anyone unwilling to verify HOA, flood zone, and sinkhole history per parcel
  • Buyers who need a gated, amenity-dense resort-style master plan
  • Buyers who need a short, traffic-free commute into central Tampa
Market Pulse

How Oak Grove 4B to 5B is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
56Median 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 Oak Grove 4B to 5B 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 Oak Grove (Phases 4B to 5B) buys, holds, and resells. See the five factors.

Interactive Map

Oak Grove 4B to 5B 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.

Nearby & Commute

How far is everything?

The takeaway

Oak Grove trades resort-style amenities for an established low-fee Lutz address with quick Suncoast Parkway access into Tampa, the airport, and the Wesley Chapel retail core.

Drive times from Oak Grove. They are approximate and vary with traffic and your exact start point inside the community.

Suncoast Parkway (SR 589)~10 to 15 min · fast route to Tampa
State Road 54 retail corridor~5 to 10 min · shopping and services
Denham Oaks Elementary~5 min · 1422 Oak Grove Blvd
Tampa International Airport~30 to 40 min · via Suncoast
Downtown Tampa~35 to 45 min · via Suncoast
The Shops at Wiregrass, Wesley Chapel~20 to 25 min · regional shopping
AdventHealth Wesley Chapel~20 to 25 min · area 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 Oak GrovePhases 4B to 5B Homes for Sale in Lutz, FL with Momentum Realty’s local guides.

CMChapman Manors Homes for Sale in Lutz, FLLutz, FL · 0.2 miWHWillowReserve Homes for Sale in Lutz, FLLutz, FL · 0.2 miBellamerein Lutz Homes for SaleBellamerein Lutz Homes for SaleLutz, FL · 0.4 miWSWillow Square Homes for Sale in Lutz, FLLutz, FL · 0.5 miILIndian Lakes Homes for Sale in Lutz, FLLutz, FL · 0.5 miWHWyndgate Homes for Sale in Lutz, FLLutz, FL · 0.5 miWillow Bend Homes for Sale in Lutz, FLWillow Bend Homes for Sale in Lutz, FLLutz, FL · 0.5 miCCCypress Cove Homes for Sale in Lutz, FLLutz, FL · 0.8 miWMWellington Manor Homes for Sale in Lutz, FLLutz, FL · 1.2 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
Oak Grove 4B to 5B (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

Oak Grove 4B to 5B 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 (1422 Oak Grove Blvd)

Verifyrating
Public

Cypress Creek Middle School

Verifyrating
Public

Cypress Creek High School

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Oak Grove 4B to 5B address.

The takeaway

What is actually shaping value around Oak Grove and Lutz: the Suncoast Parkway corridor build-out and widening study, Pasco County's growth-corridor momentum along State Road 54, and the established-stock condition dynamics of a mid-2000s community. Each item is sourced and linked.

Recent Developments in Oak Grove (Phases 4B to 5B)

Development Intelligence

Our read on what is being built around Oak Grove 4B to 5B, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishPasco's growth-corridor momentum and the Suncoast Parkway investments point to steady demand around Lutz, with the watch item being how roof, insurance, and sinkhole diligence shape outcomes on established mid-2000s homes.

Suncoast Parkway widening study and corridor investment

2025
BullishMajor impact
SignificanceRadius: Area

Planned widening of the Suncoast Parkway from the Lutz area north improves the commute case that supports demand near Oak Grove.

State Road 54 corridor growth in central Pasco

2025
BullishNotable impact
SignificanceRadius: County

Continued development and road projects along the SR 54 corridor keep drawing growth and services toward the Lutz and Land O Lakes area.

Established mid-2000s stock means condition risk

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Homes in Phases 4B and 5B mostly date to the mid-2000s, so roof, systems, and insurability drive value and must be read per home.

Pasco sinkhole history shapes insurance diligence

Ongoing
NeutralNotable impact
SignificanceRadius: County

Pasco County has a notable sinkhole history, making the geotechnical review and insurance quote essential diligence on any home.

Florida insurance market steadying inland

2026
BullishMinor impact
SignificanceRadius: Area

Inland Pasco premiums have flattened from the sharp increases of 2022 to 2024 for well-inspected homes with newer roofs, easing carrying cost.

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 Oak Grove (Phases 4B to 5B), 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. August 2025
    Infrastructure

    New Suncoast Parkway segment opens roughly 500 days early

    A new addition to the Suncoast Parkway in the Tampa Bay region opened well ahead of schedule, advancing the north-south corridor that carries Lutz and Pasco commuters toward Tampa. Why it matters: Faster corridor delivery strengthens the commute case that underpins demand in Lutz communities like Oak Grove. Source

  2. April 2025
    Development

    Pasco weighs major road projects to ease State Road 54 congestion

    Pasco County is advancing road projects, including extensions near the Suncoast Parkway, to add east-west capacity alongside the increasingly busy State Road 54 corridor as development continues. Why it matters: New road capacity around SR 54 supports the growth and access that sustain demand in the Lutz and Land O Lakes area. Source

  3. January 2026
    Market

    Florida inland insurance premiums flatten for well-inspected homes

    After sharp increases from 2022 to 2024, Florida home insurance renewals have flattened to single-digit changes for properly inspected inland homes with newer roofs, including parts of Pasco County. Why it matters: Steadier carrying costs help the established mid-2000s stock in Oak Grove pencil more cleanly for buyers. Source

Development alerts for Oak Grove (Phases 4B to 5B)Get a short monthly email when something new is approved, funded, or opens near Oak Grove (Phases 4B to 5B).

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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.

The Strategy

The Oak Grove 4B to 5B buying strategy.

If we were buying in Oak Grove 4B to 5B, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the exact phase and parcel. Oak Grove spans several phases, and Phases 4B and 5B carry their own age and lot picture, so the parcel sets the floor on value.

2

Read the mid-2000s condition math early. A 2005-era home and a newer build list close but carry very different roof, systems, and warranty realities.

3

Verify the HOA line and any flood zone for the exact address. Oak Grove is deed-restricted with a modest HOA, but always confirm the current dues and the FEMA flood zone per parcel.

4

Check the Pasco sinkhole and insurance picture. Pasco County has a notable sinkhole history, so quote insurance and review any geotechnical history for the specific home.

5

Use the corridor context, and cross-shop a newer Pasco master plan such as Lexington Oaks if amenities outrank entry price.

The Quick Decision
Best Buy
An updated mid-2000s home on a solid lot with a newer roof
Biggest Risk
Underbudgeting roof, systems, insurance, and any sinkhole history
Best Lot
A higher, drier parcel with clean geotechnical history
Smart Timing
Confirm the HOA line, flood zone, and insurance 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

Oak Grove is an established deed-restricted single-residential community in northeast Lutz rather than a gated resort-style master plan, so the lifestyle is quiet established neighborhood living with the deed restrictions keeping the streetscape consistent. The community sits near Denham Oaks Elementary and within reach of Lutz and Land O Lakes retail, parks, and county services, with the Suncoast Parkway providing the fast route into Tampa. Confirm the specific phase's restrictions and any amenities before you buy.

Oak Grove 4B to 5B Homes For Sale

What your money buys in Oak Grove 4B to 5B.

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 Oak Grove 4B to 5B today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Established Entry

Smaller mid-2000s three-bedroom homes where condition and roof age drive value. The affordable way into the Oak Grove address.

Lowest entry
The Updated Core

Renovated mid-2000s homes on solid lots with newer roofs and systems, the heart of the resale market in Phases 4B and 5B.

Most inventory
The Top

The larger four and five-bedroom plans on the better lots, the homes that hold value best within 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 Established Entry
Smaller mid-2000s three-bedroom homes where condition and roof age drive value. The affordable way into the Oak Grove address.
The Updated Core
Renovated mid-2000s homes on solid lots with newer roofs and systems, the heart of the resale market in Phases 4B and 5B.
The Top
The larger four and five-bedroom plans on the better lots, the homes that hold value best within 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 Oak Grove 4B to 5B, condition, lot, and the renovation math, read from current listings and recent sales.

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
Proprietary Data

The renovation premium.

Renovated-listing inventory in Oak Grove 4B to 5B 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 a preferred homesite (water, preserve, corner, or a larger lot), 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.

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.

Resale Strength Scorecard

How well Oak Grove 4B to 5B holds value.

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

Roof age and conditionMid-2000s, verify remaining life
HVAC and systemsOriginal systems may be aging
Layout and bonesSolid mid-2000s single-family plans
Lot and drainageVerify flood zone and grading
Sinkhole and geotechnicalReview Pasco history per parcel

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 Oak Grove 4B to 5B

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.

Oak Grove (Phases 4B to 5B)1

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.

Oak Grove (Phases 4B to 5B)2

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.

Oak Grove (Phases 4B to 5B)3

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Oak Grove (Phases 4B to 5B)4

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Oak Grove (Phases 4B to 5B)5

Skipping the systems check

An older home means older 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.

“

The Oak Grove name spans several phases of mid-2000s homes. The deal is won or lost on the exact phase, the parcel, and the roof, systems, and insurance math.

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.

7.1B · Buy Score
Resale Strength7.1/10
Renovation Risk5.0/10
Location Efficiency7.4/10
Long-Term Defensibility7.0/10
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.

Momentum Housing Intelligence

Why our read on Oak Grove 4B to 5B 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
  • Higher, drier parcels with clean geotechnical history hold value
  • Verify the FEMA flood zone for the exact address
  • Review any Pasco sinkhole history for the specific home
  • Confirm the deed-restricted HOA line per parcel
  • Read the lot and condition picture before the finishes

In an established market like Oak Grove, the parcel is the part of your money the market protects. Higher, drier lots with clean geotechnical history hold value better than low-lying parcels or those with a sinkhole flag in a county known for them. The house can be renovated; the lot, the flood zone, and the geotechnical history cannot. Read the parcel, the flood map, and any sinkhole history first, then price the condition of the home against it.

The 15-Second Verdict

Oak Grove 4B to 5B in 15 seconds.

Best forValue buyers who want an established Lutz address with a low HOA.
Biggest advantageEstablished value and Suncoast Parkway access in fast-growing Pasco County.
Biggest riskRoof, systems, insurance, and Pasco sinkhole history on mid-2000s homes.
Sweet spotAn updated mid-2000s home on a solid lot, matched honestly to comps.
Avoid ifYou want a brand-new home or a gated resort-style master plan.

HOA, CDD & Fees

15-Second Take
  • Deed-restricted community with a modest HOA
  • Confirm current dues and any assessment per parcel
  • Check the tax bill for any CDD line
  • Verify the FEMA flood zone for the exact address
  • Budget a roof and systems reserve on mid-2000s homes

Oak Grove is a deed-restricted community with a modest HOA reported in the low hundreds of dollars per year by area community guides (Lipply Real Estate, 2026). Always confirm the current dues and any special assessment for the exact home before you offer.

Where it applies, the HOA typically covers common-area upkeep and the deed restrictions that keep the community consistent. Confirm exactly what is included and whether any CDD line appears on the parcel's tax bill.

Run Your Numbers

Tools for a Oak Grove 4B to 5B 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 Oak Grove 4B to 5B.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 Oak Grove 4B to 5B

Price it to the phase, condition, and roof age, not an Oak Grove average.

Selling in Oak Grove Phases 4B and 5B means pricing to your specific phase and your home's condition, not to a community average that mixes phases and ages. The roof age, the systems, and the updates 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 Oak Grove 4B to 5B, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Lexington Oaks, 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 Oak Grove 4B to 5B home worth?

Get a no-obligation home value based on real comparable sales in Oak Grove 4B to 5B 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 Oak Grove (Phases 4B to 5B) on the map →
Or get your Oak Grove (Phases 4B to 5B) home value & selling guide →

Real comps, not a Zestimate.

Oak Grove (Phases 4B to 5B) Market Scorecard

Strong seller's market

Oak Grove (Phases 4B to 5B) 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 Oak Grove Phases 4B and 5B?
Oak Grove is an established deed-restricted community in the northeast section of Lutz, in Pasco County, with Phases 4B and 5B among its later sections. The Lutz address sits near the Suncoast Parkway and the State Road 54 corridor.
Is this the same as the Clearwater Oak Grove?
No. This Oak Grove is in Lutz, Pasco County, a separate community from the Oak Grove in the Clearwater area of Pinellas County. Confirm the county and ZIP when you compare listings.
When was Oak Grove built?
Oak Grove was built out in phases between roughly 1998 and 2006, per area community guides (2026). Many homes in Phases 4B and 5B date to around 2005, so this is an established-home market.
Does Oak Grove have HOA fees?
Yes. Oak Grove is a deed-restricted community with a modest HOA reported in the low hundreds of dollars per year by area guides. Confirm the current dues and any assessment for the specific home.
Is there a CDD in Oak Grove?
Area guides describe Oak Grove as a deed-restricted community with a low HOA. Always confirm whether any CDD line appears on the exact parcel's tax bill during diligence.
What schools serve Oak Grove?
Oak Grove is served by Pasco County Schools and sits near Denham Oaks Elementary at 1422 Oak Grove Boulevard in Lutz. Students typically continue to Cypress Creek Middle and Cypress Creek High (Pasco County Schools, 2026). Assignment is by address, so confirm the zoned schools for any specific home.
How is the commute from Oak Grove to Tampa?
The Suncoast Parkway is the fast route into Tampa and toward Tampa International Airport, with the State Road 54 corridor providing east-west access. Drive times depend on your exact start point and the time of day.
Should I worry about sinkholes in Oak Grove?
Pasco County has a notable sinkhole history, so review any geotechnical history for the specific home and quote insurance carefully. This is a standard part of diligence on any Pasco purchase, not unique to Oak Grove.
Should I worry about flood zones here?
Flood exposure is parcel specific, so always run the FEMA flood zone and an insurance quote for the exact address during diligence, even on an inland Lutz parcel.
Is Oak Grove new construction?
No. Oak Grove is an established community built mostly in the late 1990s and 2000s. Phases 4B and 5B are existing homes, so condition, roof age, and systems drive value rather than a builder warranty.
Is Oak Grove a good value?
It offers an established Lutz address with a low HOA and quick Suncoast Parkway access, which supports demand. Value comes with mid-2000s housing stock, so condition and insurability matter to the outcome.
What is the difference between the Oak Grove phases?
Oak Grove was built in several phases over nearly a decade, so age, lot size, and plans vary by section. Phases 4B and 5B are later sections, with many homes from around 2005; confirm the exact phase for any home.
Is Oak Grove a good investment?
Established value, a low HOA, and Pasco growth-corridor access support demand, but this is a condition-driven market with mid-2000s stock. As with any older-home market, roof, systems, and insurability drive the outcome; this is not a guarantee of future value.
Why does pricing vary within Oak Grove?
Because the community spans several phases and nearly a decade of construction, each with its own age, lot, and condition picture. The phase and the condition, not the Oak Grove name, set the price.
The Verdict

Should you buy in Oak Grove 4B to 5B?

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

Value buyers who want an established Lutz address with a low HOAExcellent fit
Commuters who will use the Suncoast Parkway to reach Tampa and the airportExcellent fit
Buyers comfortable budgeting roof and systems work on a mid-2000s homeExcellent fit
Buyers who want the Denham Oaks Elementary school drawExcellent fit
Buyers who will read fees, flood zone, and condition by parcelExcellent fit
Buyers who want a brand-new home with a full builder warrantyProbably not
Anyone unwilling to verify HOA, flood zone, and sinkhole history per parcelProbably not
Buyers who need a gated, amenity-dense resort-style master planProbably not
Buyers who need a short, traffic-free central-Tampa commuteProbably not
Buyers unwilling to budget roof and systems work on mid-2000s homesProbably not

Get the inside read on Oak Grove 4B to 5B

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Oak Grove 4B to 5B 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.

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Thinking about hiring an agent here? How to find the best real estate agent in Oak Grove (Phases 4B to 5B) — what to look for, questions to ask, and your local expert.
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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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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 local market average and 8 days faster, and we’ll price yours against live your area comps.

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