Unrec Sub
Homes for Sale in Lutz, FL
All 280 homes for sale in Lutz, FL · median $525,000 · Pasco County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of October 2026, Unrec Sub in Lutz, FL has 1 home for sale. Homes listed or recently sold were built 1965–1992; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 82 ft).
This is not a cookie-cutter subdivision, and the price reflects that. With homes built anywhere from 1965 to 2024 and a median year built of 1985, what you pay here is driven far more by condition and updates than by any uniform pricing tier. Two homes on the same street can trade very differently depending on whether the systems and finishes have been touched. Expect a wide spread, and expect condition to do most of the talking.
At a median living area of 1,476 square feet, these are modest footprints for the most part, and the mix of build eras means comps take real work. For sellers, that argues for pricing to your specific home's condition rather than a neighborhood average. For buyers, it means the value is in reading each property on its own merits — the renovated ones and the dated ones sit in the same pool.
Unrec Sub right now
🟡 Balanced market. 6.0 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 October 16, 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
Unrec Sub is a small, unbranded pocket of Lutz on the Pasco County side, with 69 homes spanning nearly six decades of construction. It reads less like a planned community and more like an established, varied enclave where no two properties are quite alike.
Stellar MLS sales records identify 22 homes in Unrec Sub that have changed hands since 2014, built between 1965 and 2007 (median 1987), with a median living area of about 1,440 sq ft and a typical 3-bedroom, 2-bath layout. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 5 qualified sales in Unrec Sub across 2024–2024, median $80,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Unrec Sub. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Unrec Sub
Unrec Sub
Unrec SubPhotos from Stellar MLS listings in Unrec Sub; content deemed reliable but not guaranteed.
Who Unrec Sub is best for.
Best for
- Buyers seeking a modest-footprint home and willing to trade uniformity for character and choice
- Renovation-minded buyers looking to add value to an older home and hold it
- Long-hold owner-occupants who value a stable, majority owner-occupied setting in Lutz
Probably not for
- Buyers who want new-construction consistency and predictable, tier-based pricing
- Anyone needing a large square-footage home, given the modest median living area
- Investors expecting a deep, fast-moving rental market rather than a slow-turnover ownership base
The market around Unrec Sub
Unrec Sub is too small for its own price trend, so here is the market around it.
In ZIP 33523, 94 homes are on the market and 29% are under contract — a steady corner of Lutz.
Across Pasco County, 4,213 homes are active and 1,214 pending (22% under contract).
In ZIP 33523 (Lutz), 444 homes closed in the last 12 months at a median of $220K ($183/sq ft), up 0.0% year over year, with a median 40 days on market. Right now 34 active and 15 pending listings put supply at about 4.3 months — a balanced market. See the live ZIP 33523 housing market and the Pasco County market.
ZIP and county figures describe the wider market, not Unrec Sub specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Unrec Sub
Live MLS inventory for Unrec Sub. 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 Unrec Sub listings as of 2026-10-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Unrec Sub 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.
Schools
- Pasco County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Chester W Taylor Elemen-PO · Elementary
- Raymond B Stewart Middle-PO · Middle
- Zephryhills High School-PO · High
Zoned schools reflect the assignments reported on recent Unrec Sub listings and can change; always confirm with Pasco County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Unrec Sub address.
Shop the zone: Homes zoned for Zephryhills High School-Po
The Unrec Sub buying strategy.
If we were buying in Unrec Sub 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 Unrec Sub.
A condition-driven market, not a tier-driven one
The defining fact here is the range: a build window from 1965 to 2024 inside a group of just 69 homes. That tells you the housing stock has been added to and reworked over time rather than delivered in a single phase. The median year built of 1985 anchors the community in older construction, but the newer end means some homes carry current systems and layouts. Understand which one you are looking at before you anchor to any number.
Owner-occupancy runs at about 66 percent homestead, a solid majority that points to a stable ownership base rather than a heavy investor footprint. Combined with the modest median size near 1,476 square feet, this is a place where turnover is measured and each listing matters. With so few homes, a single sale can shift the comparable picture, so timing and pricing precision count for more here than in a large tract.
The location and the amenities are priced into every listing in Unrec Sub. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 69-home pocket with a six-decade build range, generic pricing tools fall apart — the comps are thin and the condition variance is real. We price and evaluate each home on its own systems, updates, and layout rather than a neighborhood average, and we know how to read a market this small where one closing moves the needle.
Unrec Sub in 15 seconds.
What it really costs to own in Unrec Sub
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 $18/month across 64 MLS listings (most billed annually; 2026-10-15). 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. |
| Roof and age | Median build year 1967 across 3 listings. An original roof here would be about 59 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Unrec Sub
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 Unrec Sub
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Unrec Sub will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $18/month · median of 64 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $18 per month — the median AssociationFee across 64 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Unrec Sub 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 Unrec Sub sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Unrec Sub, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Unrec Sub home worth?
Get a no-obligation home value based on real comparable sales in Unrec Sub, 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 →
| Location | Lutz, Pasco County, FL · ZIP 33523, 33525, 33541, 33545 and more |
|---|---|
| Homes in the community | 90 (FL DOR 2025 assessment roll) |
| Years built | 1956–2024 (median 1982.0) |
| Typical living area | 1,282 sq ft (median) |
| Amenities listed by sellers | Buyer Approval Required, Clubhouse, Shuffleboard Court, Special Community Restrictions |
| For sale right now | 1 active, 0 pending · median asking $45,500 · 6.0 months of supply |
| Owner-occupied (homestead) share | 59% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Unrec Sub key facts,” movewithmomentum.com/neighborhoods/unrec-sub, data as of September 20, 2026.
Housing distress & ownership in Unrec Sub, 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 October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Unrec Sub Right Now (1)
All 1 active and pending Unrec Sub listings with a detail page, newest first, refreshed twice a day from the MLS.
- 37427 Hammond Drive · $42,000 · 2 bd / 1 ba · listed Jul 16, 2026 · listed by Bingham Realty Inc
More Lutz home searches
Recent Developments in Unrec Sub
Development, infrastructure, retail, and school activity affecting Unrec Sub, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- 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 4 miles north of Unrec Sub.
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 6 miles northwest of Unrec Sub.
Source: WUSF - January 2026Development
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
What it may mean for the marketAdded outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The site is about 6 miles east of Unrec Sub.
Source: HCO News
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.
22% of homes for sale in ZIP 33541 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-17).
Frequently Asked Questions
Is Unrec Sub a buyer's or seller's market right now?
How many homes are in Unrec Sub?
What share of Unrec Sub is owner-occupied?
When were the homes in Unrec Sub built?
Who is the best real estate agent for Unrec Sub?
How do I find a top Lutz real estate agent who knows Unrec Sub?
Can Momentum Realty connect me with an agent for Unrec Sub?
Where is Unrec Sub, and what county is it in?
Should you buy in Unrec Sub?
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 14, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 33523/33525/33541/33545/33558/34610)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (16 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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See how Unrec Sub fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Unrec Sub
- Home values · What homes in Unrec Sub actually sell for
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