Vista Lakes at Bailey's Bluff in Holiday

Vista Lakes at
Bailey's Bluff Homes for Sale in Holiday, FL

2014 gated single-residential community · Pasco County · ZIP 34691

A small 2014 gated community in the Bailey's Bluff area of Holiday near the Gulf, the residential read for buyers who want newer construction in coastal west Pasco.

Gated communityBuilt around 2014Near the Gulf
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a small gated community near the coast, so the honest read is the home, the HOA, and the flood and surge picture, not a townwide average. Confirm dues and the FEMA zone per address.
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Unlock Off-Market Vista Lakes at Bailey's Bluff

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
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Median Price
0mo
Supply
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Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
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1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Vista Lakes at Bailey's Bluff is a small gated community rather than a large master plan, so the read is a community-level read: newer single-family homes built around 2014 in the Bailey's Bluff area of Holiday, where the value drivers are the newer construction, the HOA, the coastal flood and surge context, and the specific home and lot, not a townwide average. As a post-2010 community it is younger than much of the surrounding west Pasco stock, which generally helps on systems and insurance questions, but its position near the Gulf makes the FEMA flood zone, the elevation, and any surge history core diligence by address. The community is small, so listings turn over infrequently and resale leans on the scarcity of newer gated product near the coast. Your leverage is reading the HOA documents, the flood and surge picture, and the insurance math honestly before you fall for the newer build near the water."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Vista Lakes at Bailey's Bluff is a small gated community of single-family homes in the Bailey's Bluff area of Holiday, western Pasco County, in ZIP 34691 (multiple Holiday real estate guides, 2026). It was built around 2014 as a newer-construction community near the Gulf of Mexico and Key Vista Nature Park.

The community is described as an intimate gated enclave with a picnic pavilion and playground for residents, and listing guides cite newer homes with features such as crown molding, designer cabinets, granite, and walk-in closets. It sits within the broader Bailey's Bluff coastal area; confirm the exact size, layout, and lot for any specific home.

Because this is a small coastal gated community, the money is made or lost on the home and the flood picture, not just the address. The drivers are the HOA dues and what they cover, the FEMA flood zone and elevation for the exact address, any storm-surge history given the Gulf proximity, the flood and wind insurance lines, and the specific home and lot, all of which have to be read from the documents and an insurance quote.

The pitch is newer gated construction near the coast: Key Vista Nature Park, the Gulf, and the shopping and services of west Pasco are all reachable, with Tarpon Springs and the Pinellas line nearby. The work is the diligence: read the HOA budget, check the flood zone and surge history, and quote the insurance before you buy the newer build.

Best for

  • Buyers who want newer gated construction in coastal west Pasco
  • Buyers who value a post-2010 home over older area stock
  • Outdoor buyers who want Key Vista Nature Park and the Gulf close
  • Buyers who will read the HOA, flood zone, and insurance closely

Probably not for

  • Buyers who want a large amenity-rich master-planned community
  • Anyone unwilling to verify the flood zone, surge, and insurance per address
  • Buyers who need many listings to choose from in a small community
  • Buyers uncomfortable with coastal flood and surge exposure

How Vista Lakes at Bailey's Bluff 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 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Vista Lakes at Bailey's Bluff 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 Vista Lakes at Bailey's Bluff buys, holds, and resells. See the five factors.

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.

The takeaway

Vista Lakes at Bailey's Bluff trades amenity scale and an easy commute for newer gated construction near the Gulf, with the nature park, the coast, and US 19 close and Tampa a longer drive.

Key Vista Nature Park~5 to 10 min · trails and Gulf access
Gulf of Mexico waterfront~5 to 10 min · coastal access
Holiday and west Pasco shopping~10 to 15 min · everyday needs
Tarpon Springs~15 to 20 min · sponge docks and dining
US 19 corridor~5 to 10 min · main commuter route
Tampa International Airport~45 to 60 min · to the southeast
Downtown Tampa~50 to 65 min · across the county

Distances and times are approximate and vary with traffic and the specific home. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Vista Lakes atBailey's Bluff Homes for Sale in Holiday, FL with Momentum Realty’s local guides.

BSBailey's BluffEstates Homes for Sale in Holiday, FLHoliday, FL · 0.4 miGGGlenwood of Gulf Trace Homes for Sale in Holiday, FLHoliday, FL · 0.5 miBVBuena Vista2nd Addition Homes for Sale in Holiday, FLHoliday, FL · 0.7 miFEForestHills East Homes for Sale in Holiday, FLHoliday, FL · 0.7 miTDTahitian Development Homes for Sale in Holiday, FLHoliday, FL · 0.7 miBSBeacon Square,Holiday Homes for SaleHoliday, FL · 0.8 miEAEastwood Acres Homes for Sale in Holiday, FLHoliday, FL · 0.8 miGHGulfwinds Homes for Sale in Holiday, FLHoliday, FL · 0.8 miBSBeacon Square Homes for Sale in Holiday, FLHoliday, FL · 0.9 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
Vista Lakes at Bailey's Bluff (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

Vista Lakes at Bailey's Bluff 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

Pasco County Schools (verify by address)

Verifyrating
By address

Confirm zoned elementary, middle, and high

Verifyrating
Choice

Choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Vista Lakes at Bailey's Bluff address.

The takeaway

What is actually shaping value at Vista Lakes at Bailey's Bluff: the west Pasco coastal housing market, Florida flood and wind insurance trends, and the surge and resilience picture along the Gulf coast. Each item is an evergreen, dated observation.

Recent Developments in Vista Lakes at Bailey's Bluff

Our read on what is being built around Vista Lakes at Bailey's Bluff, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNewer gated construction near the coast supports demand, with the watch items being the coastal flood and surge exposure, the flood and wind insurance lines, the HOA reserve picture, and the small resale pool.

West Pasco coastal housing demand

Ongoing
BullishNotable impact
SignificanceRadius: Area

Steady demand for newer coastal homes in west Pasco supports resale for small gated communities near the Gulf.

Coastal flood and storm-surge exposure

Ongoing
NeutralMajor impact
SignificanceRadius: Community

Proximity to the Gulf makes the FEMA zone, elevation, and surge history core diligence per address.

Florida flood and wind insurance trends

2025
NeutralMajor impact
SignificanceRadius: Area

Coastal flood and wind premiums materially affect carrying costs, so the insurance quote is essential diligence.

Post-2010 construction quality

Ongoing
BullishNotable impact
SignificanceRadius: Community

Newer roof, systems, and code generally help the structural and insurance picture versus older coastal stock.

Key Vista Nature Park and Gulf access

Ongoing
BullishMinor impact
SignificanceRadius: Area

Nearby nature park and Gulf access support the coastal outdoor case for the community.

Small community resale dynamics

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Listings turn over infrequently in a small community, so resale leans on the scarcity of newer gated coastal homes.

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 Vista Lakes at Bailey's Bluff, 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. January 2025
    Insurance

    Florida coastal flood and wind insurance pressure continues

    Florida coastal homeowners continued to face elevated flood and wind insurance costs, with carriers underwriting closely on elevation, flood zone, and construction, a trend affecting the Gulf-coast markets of west Pasco. Why it matters: On a coastal home in Vista Lakes at Bailey's Bluff, the elevation, flood zone, and insurance quote are core diligence for both insurability and carrying cost. Source

Development alerts for Vista Lakes at Bailey's BluffGet a short monthly email when something new is approved, funded, or opens near Vista Lakes at Bailey's Bluff.

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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.

If we were buying in Vista Lakes at Bailey's Bluff, this is the order of operations we would run, and the one we run for our clients.

1

Check the FEMA flood zone and elevation first. Near the Gulf, the zone, the elevation, and any flood-insurance requirement drive the carrying cost, so confirm them for the exact home.

2

Quote flood and wind insurance. On a coastal home the flood and wind lines can move the monthly math, so get the real numbers early.

3

Read the HOA budget and dues. Confirm the current dues, what they cover, whether a CDD applies, and how reserves are funded from the latest documents.

4

Check the storm-surge history. The Bailey's Bluff area is coastal, so confirm any past surge or flood intrusion and the elevation for the specific home.

5

Cross-shop the broader coastal market, such as Key Vista, if a larger gated community with more amenities outranks a small enclave.

Best Buy
A well-kept newer home at a favorable elevation in a healthy HOA
Biggest Risk
Underestimating flood, surge, and insurance near the Gulf
Best Lot
A homesite at a favorable elevation with a documented flood read
Smart Timing
Confirm the flood zone, insurance, and HOA before you offer
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

Vista Lakes at Bailey's Bluff is a small gated community rather than a large amenity neighborhood, so the lifestyle is newer single-family living behind a community gate in coastal Holiday. The shared amenities are modest, generally cited as a picnic pavilion and playground, with the real draw being the newer construction, the gated privacy, and the proximity to Key Vista Nature Park and the Gulf. Dues, any CDD, rental rules, and what the HOA maintains vary, so confirm the current rules and what each home includes with the association before you buy.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Home

A smaller floor plan or an interior lot, the affordable way in, where condition and elevation drive value.

Lowest entry
The Core Home

A well-kept newer home at a favorable elevation, the heart of the community resale market.

Most inventory
The Top

A larger updated home at a favorable elevation with a strong flood read, the homes that hold value best here.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

The Entry Home
A smaller floor plan or an interior lot, the affordable way in, where condition and elevation drive value.
The Core Home
A well-kept newer home at a favorable elevation, the heart of the community resale market.
The Top
A larger updated home at a favorable elevation with a strong flood read, the homes that hold value best here.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

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
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.

Home ageBuilt around 2014, post-2010 construction
HOA and CDD carrying costHOA applies, verify any CDD
Flood and surge exposureCoastal, verify zone, elevation, surge
Insurance costCoastal flood and wind, quote per home
Resale pool depthSmall community, infrequent turnover

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 Vista Lakes at Bailey's Bluff

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.

Vista Lakes at Bailey's Bluff is a small 2014 coastal gated community, not a townwide average. The deal is won or lost on the home, the HOA, the flood zone, and the insurance.

Jon Brooks · Founder, Momentum Realty
7.1B · Buy Score
Resale Strength7.0/10
Renovation Risk4.2/10
Location Efficiency7.6/10
Long-Term Defensibility7.0/10
Carrying Cost Advantage5.8/10

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.

Why our read on Vista Lakes at Bailey's Bluff 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.

Which Lots & Views Hold Value Best

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
  • On the coast, the elevation and flood read are the asset
  • Newer homes at a favorable elevation hold value best
  • Confirm the FEMA flood zone and surge history per address
  • Read the HOA budget and check for a CDD before finishes
  • Quote flood and wind insurance for the exact home

In a small coastal gated community, the part of your money the market protects is the home, the elevation, and the flood read, plus the financial health of the HOA. A well-kept newer home at a favorable elevation with a documented flood and surge read holds value better than a home with an elevation or insurance drawback. The interior can be updated; the elevation, the flood zone, and the surge exposure cannot. Read the HOA budget, check for a CDD, confirm the flood zone, elevation, and surge history, and quote the insurance first, then price the condition of the home against them.

Vista Lakes at Bailey's Bluff in 15 seconds.

Best forBuyers who want newer gated construction in coastal west Pasco.
Biggest advantageA post-2010 home in a small gated community near the Gulf.
Biggest riskCoastal flood, surge, and insurance exposure near the Gulf.
Sweet spotA well-kept newer home at a favorable elevation in a healthy HOA.
Avoid ifYou want a large amenity-rich master plan or no coastal exposure.

HOA Dues, Coastal Insurance & What It Covers

15-Second Take
  • Read the HOA budget and reserves, not just the dues
  • Verify whether a CDD applies to the parcel
  • Carry flood and wind coverage on a coastal home
  • Check the FEMA flood zone and elevation per address
  • Confirm any storm-surge history for the home

This is a gated community, so an HOA fee applies and typically covers the gate, common-area upkeep, and the small shared amenities such as the pavilion and playground. The dues line alone does not tell the story; the coastal flood and wind insurance and any CDD matter more. Confirm the current dues, what they cover, whether a CDD applies, and the reserve picture from the latest documents for the exact home.

HOA fees in a small gated community generally cover the gate, common-area landscaping, and shared amenities, with each owner responsible for their own home, yard, and insurance. On a coastal home, confirm flood and wind coverage separately, and verify whether a CDD applies on the tax bill for the exact address.

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.

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 Vista Lakes at Bailey's Bluff, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Key Vista, 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 Vista Lakes at Bailey's Bluff home worth?

Get a no-obligation home value based on real comparable sales in Vista Lakes at Bailey's Bluff 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 Vista Lakes at Bailey's Bluff on the map →
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Real comps, not a Zestimate.

Vista Lks Baileys Bluff Holiday Market Scorecard

Thin data

Vista Lks Baileys Bluff Holiday is currently a thin data. Limited supply, a median asking price of n/a.

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Months supply
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Median list
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Days on mkt
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Active/Pend/Sold

Go deeper: 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.

Frequently Asked Questions

Where is Vista Lakes at Bailey's Bluff?
It is a small gated community in the Bailey's Bluff area of Holiday, western Pasco County, ZIP 34691, near the Gulf of Mexico and Key Vista Nature Park.
When was it built?
It was built around 2014 (Holiday real estate guides, 2026), making it a post-2010 community newer than much of the surrounding west Pasco stock.
What do the homes look like?
Listing guides cite newer single-family homes with features such as crown molding, designer cabinets, granite, and walk-in closets. Confirm the exact size, layout, and lot for any specific home.
Is there an HOA, and what does it cover?
Yes, a gated community like this carries an HOA that typically covers the gate, common-area upkeep, and the small shared amenities such as the pavilion and playground. Confirm the current dues and what they cover from the documents.
Is there a CDD?
Whether a CDD applies varies, so confirm any CDD assessment on the tax bill for the exact address before you buy.
Should I worry about flooding and storm surge?
The community is near the Gulf, so flood and surge exposure is real. Always check the FEMA flood zone, the elevation, any surge history, and the flood-insurance requirement for the specific home.
What insurance should I expect?
Beyond the homeowner policy, a coastal home typically needs wind coverage and, depending on the flood zone, flood insurance. Quote the specific home before you buy.
Is this the same as Bailey's Bluff Estates?
Bailey's Bluff is a broader coastal area that includes several communities. Vista Lakes is the gated community within it. Confirm the exact community name and address on any listing.
What schools serve the community?
It is part of Pasco County Schools, with assignment by address that can change. Confirm the exact zoned elementary, middle, and high schools for the specific home, and note that choice options may apply.
What is nearby?
Key Vista Nature Park, the Gulf, and the shopping and services of west Pasco are all reachable, with Tarpon Springs and the Pinellas line nearby. Confirm real drive times for your routine.
How many homes are in the community?
It is a small, intimate gated community rather than a large subdivision, so listings turn over infrequently. Confirm the exact count and current availability with a current search.
Is it a good investment?
Newer gated construction near the coast supports demand, but this is a small coastal community, so the flood and insurance picture and the specific home drive the outcome. This is not a guarantee of future value; read the documents and the math.
How does it compare to other west Pasco coastal communities?
Larger communities like Key Vista offer more amenities, while Vista Lakes is a small newer gated enclave. Which is the better buy depends on your budget, amenity needs, and flood tolerance.
Is this a vacation-rental community?
It is presented as a residential gated community of single-family homes rather than a vacation-rental complex, but confirm any rental restrictions in the HOA documents before you buy.
Buyers who want newer gated construction in coastal west PascoExcellent fit
Buyers who value a post-2010 home over older area stockExcellent fit
Outdoor buyers who want Key Vista Nature Park and the Gulf closeExcellent fit
Buyers who will read the HOA, flood zone, and insuranceExcellent fit
Buyers who want a smaller, quieter gated communityExcellent fit
Buyers who want a large amenity-rich master planProbably not
Anyone unwilling to verify the flood zone, surge, and insuranceProbably not
Buyers who need many listings to choose fromProbably not
Buyers uncomfortable with coastal flood and surge exposureProbably not
Buyers unwilling to budget for coastal insuranceProbably not

Get the inside read on Vista Lakes at Bailey's Bluff

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Vista Lakes at Bailey's Bluff 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.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Vista Lakes at Bailey's Bluff specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Vista Lakes at Bailey's Bluff — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
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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