Windemere in Lutz

Windemere Homes for Sale in Lutz, FL

Late-1970s to mid-1980s subdivision · Lutz, Hillsborough County · ZIP 33549 (confirm per parcel)

An established Lutz value subdivision, late-1970s to mid-1980s single-family living northwest of Tampa Palms.

Established single-familyLittle to no HOANorthwest Hillsborough
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Windemere is a mature subdivision, not a master plan, so the read is by parcel: age, condition, roof, the HOA line, and which water system the home is on after the 2024 county takeover.
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Unlock Off-Market Windemere

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

"Windemere is a condition-driven established market, not a gated amenity community, so the read is different: it is a late-1970s to mid-1980s single-family grid in Lutz with generous fenced lots and mature trees, where roof age, systems, and the specific parcel drive value far more than the Windemere name. Most homes carry little to no mandatory HOA, which keeps carrying cost low, but the standout diligence item here is water. Windemere sat on a small private water and wastewater system that Hillsborough County acquired on June 7, 2024 (Hillsborough County, 2024), and the system has had several precautionary boil water notices since. Your leverage is buying the right parcel and reading the renovation, insurance, and utility math on an older home honestly."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Windemere is an established single-family subdivision in Lutz, in northwest Hillsborough County, sitting northwest of Tampa Palms near Crystal Lake. Listing guides describe it as a well-established neighborhood of midsize homes on generous fenced lots with mature landscaping, built roughly from the late 1970s into the mid-1980s (neighborhoods.com, 2026).

This is a value, condition-driven market rather than a master plan. Homes are three to four bedroom single-family houses, many with little to no mandatory HOA, where roof age, systems, and the parcel set the number. There is no resort amenity package; the appeal is established single-family living with low carrying cost and a northwest-Hillsborough location.

The defining diligence item is water. Windemere was served by a small private water and wastewater utility, and Hillsborough County Water Resources acquired the Windemere system on June 7, 2024 (Hillsborough County, 2024). Since the takeover the county has issued several precautionary boil water notices for the Windemere system, in September 2024 and again in spring and fall of 2025, tied to main breaks, a contractor incident, and a plant pressure drop.

The pitch is established value with low fees and a usable location near Tampa Palms and the Bruce B. Downs corridor. The work is buying condition right, confirming the HOA line and water and sewer service for the exact parcel, and reading the roof, systems, insurance, and flood picture honestly on an older home.

Best for

  • Value buyers who want an established single-family home with low carrying cost
  • Buyers who want a Lutz location near Tampa Palms and the Bruce B. Downs corridor
  • Buyers comfortable budgeting renovation and insurance on a late-1970s to 1980s home
  • Buyers who will verify the HOA line and water and sewer service per parcel

Probably not for

  • Buyers who want a gated, amenity-dense master plan feel
  • Anyone unwilling to read roof, systems, and the utility picture on an older home
  • Buyers who need brand-new construction with a builder warranty
  • Buyers unwilling to confirm flood zone and insurance for the exact address

How Windemere 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 Windemere 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 Windemere 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

Windemere trades amenities for low carrying cost and a usable northwest-Hillsborough location near Tampa Palms, with the Bruce B. Downs corridor, I-275, and the Veterans Expressway carrying you to Tampa, the university and medical district, and the airport.

Tampa Palms~5 to 10 min · adjacent master plan
Bruce B. Downs Blvd corridor~5 min · retail and services
I-275~10 to 15 min · Tampa access
Veterans Expressway (SR 589)~15 to 20 min · airport and Pinellas access
AdventHealth Tampa / USF area~15 to 20 min · medical and university
Downtown Tampa~25 to 35 min · via I-275
Tampa International Airport~30 to 40 min · via Veterans

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 Windemere with Momentum Realty’s local guides.

CRCordoba RanchLutz, FL · 1.5 miRPRichmond PlaceTampa, FL · 2.1 miPTThe Promenade Townhomesat West MeadowsTampa, FL · 2.4 miHKHunters Key TownhomesTampa, FL · 2.4 miOPOxford Place at Tampa PalmsTampa, FL · 2.6 miBOBonniebrookEstatesLutz, FL · 2.6 miEPEquestrian Parcat Highwoods PreserveTampa, FL · 2.7 miEAThe Enclave atRichmond PlaceTampa, FL · 2.7 miSRStone Ridge atHighwoods PreserveTampa, FL · 2.8 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
Windemere (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
  • Hillsborough 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

Windemere is served by Hillsborough 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

Hillsborough County Public Schools (verify by address)

Verifyrating
By address

Confirm zoned elementary, middle, and high

Verifyrating
Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Windemere address.

The takeaway

What is actually shaping value around Windemere: the Hillsborough County takeover of the local water and sewer system in 2024 and the boil water notices since, the area's standing as established Lutz value stock, and condition-driven dynamics of late-1970s to 1980s housing. Each item is sourced and linked.

Recent Developments in Windemere

Our read on what is being built around Windemere, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishWindemere's low carrying cost and northwest-Hillsborough location support steady demand, with the watch items being the reliability and rate path of the county-acquired water system and condition risk on older homes.

Hillsborough County acquired the Windemere water and sewer system in 2024

2024
NeutralMajor impact
SignificanceRadius: Community

County ownership can mean more reliable long-term service and standard rates, but new buyers may be billed at current county rates rather than legacy rates, so confirm the line.

Several precautionary boil water notices since the takeover

2024 to 2025
BearishNotable impact
SignificanceRadius: Community

Notices in September 2024 and spring and fall 2025, tied to main breaks and a plant pressure drop, signal an aging system to watch, though each was precautionary and lifted after testing.

Established Lutz value stock with low carrying cost

2026
BullishNotable impact
SignificanceRadius: Community

Little to no HOA and a northwest-Hillsborough location near Tampa Palms keep drawing value buyers to the subdivision.

Older housing means condition risk

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Late-1970s to 1980s housing means roof, systems, and insurability drive value and must be read per home.

Parcel-level flood exposure near lakes and wetlands

Ongoing
NeutralMinor impact
SignificanceRadius: Community

Flood zones vary by parcel near the area lakes, making the FEMA check and insurance quote essential diligence.

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 Windemere, 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. June 2024
    Utilities

    Hillsborough County acquires the Windemere water and wastewater system

    Hillsborough County Water Resources took over the Windemere drinking water and wastewater system in the Lutz area, effective June 7, 2024, serving roughly 1,000 residential connections. Original account holders and new buyers may be billed at different rates. Why it matters: County ownership is the defining utility change for the subdivision, and the rate and service path is now a core diligence item for any buyer. Source

  2. September 2024
    Utilities

    Precautionary boil water notice issued and lifted for the Windemere system

    Hillsborough County issued a precautionary boil water notice for the Windemere system in late September 2024 after a contractor broke a water main and distribution pressure dropped below the regulatory level. The notice was lifted on September 26 after testing met standards. Why it matters: The first of several precautionary notices since the takeover, underscoring that the aging system reliability is a real watch item. Source

  3. April 2025
    Utilities

    Boil water notice mostly lifted for Windemere after plant pressure drop

    In early April 2025, an electrical issue at the water plant dropped system pressure and triggered a precautionary boil water notice; the county rescinded it for most of the Windemere system after testing, with Wildrose Drive briefly remaining on alert. Why it matters: A second documented disruption in under a year keeps the county water system reliability front and center for buyers. Source

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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 Windemere, this is the order of operations we would run, and the one we run for our clients.

1

Read the home's age and condition first. Windemere is a late-1970s to mid-1980s subdivision, so roof age, systems, and updates set the floor on value.

2

Confirm the water and sewer service. The Windemere system was acquired by Hillsborough County in 2024 and has seen several boil water notices, so verify the service and recent history for the parcel.

3

Verify the HOA line per parcel. Most homes carry little to no mandatory HOA, but confirm the exact dues, if any, and what they cover for the specific home.

4

Quote the insurance and roof math early. On a home of this era, roof age and wind mitigation drive the premium, so quote the specific address before you fall for a price.

5

Run the FEMA flood zone for the exact parcel, and cross-shop the metro's broader value market such as Spring Hill if you want more established inventory to choose from.

Best Buy
An updated established home on a dry, well-positioned lot
Biggest Risk
Underbudgeting roof, systems, insurance, and the utility picture on an older home
Best Lot
A higher, drier fenced parcel outside the flood zone
Smart Timing
Confirm the HOA line, water service, and flood zone 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

Windemere is an established Lutz subdivision rather than a single amenity community, so the lifestyle is non-amenity single-family living with generous fenced lots and mature landscaping. There is no clubhouse, gated entry, or golf inside the community; recreation comes from nearby Lutz parks and the broader northwest-Hillsborough area near Tampa Palms. The defining practical detail is utilities: water and sewer are now provided by Hillsborough County following the 2024 acquisition of the Windemere system. Confirm the specific home's HOA line, if any, and its water and sewer service before you buy.

The takeaway

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

The Established Entry

An original late-1970s to 1980s home needing updates, where condition and roof age drive value. The affordable way into the subdivision.

Lowest entry
The Updated Core

A renovated established home on a solid, dry lot with a newer roof and systems, the heart of the resale market here.

Most inventory
The Top

The largest, fully updated homes on the best-positioned fenced lots, the homes that hold value best in the subdivision.

Strongest resale

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

The Established Entry
An original late-1970s to 1980s home needing updates, where condition and roof age drive value. The affordable way into the subdivision.
The Updated Core
A renovated established home on a solid, dry lot with a newer roof and systems, the heart of the resale market here.
The Top
The largest, fully updated homes on the best-positioned fenced lots, the homes that hold value best in the subdivision.

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.

Roof age and conditionLate-1970s to 1980s stock, budget roof reserve
Systems and HVACOlder mechanicals, verify age and service
Lot and landscapingGenerous fenced lots with mature trees
HOA and carrying costLittle to no mandatory HOA in most of the subdivision
Water and sewerCounty-acquired system with recent boil notices

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 Windemere

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.

Windemere is established late-1970s to 1980s value stock, not a master plan. The deal is won or lost on the parcel, the condition, and the roof, insurance, and water and sewer math.

Jon Brooks · Founder, Momentum Realty
7.0B · Buy Score
Resale Strength6.8/10
Renovation Risk5.5/10
Location Efficiency7.4/10
Long-Term Defensibility6.6/10
Carrying Cost Advantage8.4/10

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 Windemere 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
  • Generous fenced lots with mature landscaping
  • Higher, drier parcels outside the flood zone hold value
  • Verify the FEMA flood zone for the exact address
  • Most lots carry little to no mandatory HOA
  • Read the lot and water service before the finishes

In an established value market like Windemere, the parcel is the part of your money the market protects. Generous fenced lots with mature trees are a real draw, and higher, drier parcels outside the flood zone hold value better than low-lying ones near the lakes and wetlands. The house can be renovated; the flood zone and the lot cannot. Read the parcel, the flood map, and the water and sewer service first, then price the condition of the home against it.

Windemere in 15 seconds.

Best forValue buyers who want an established single-family home with low carrying cost in Lutz.
Biggest advantageLittle to no HOA and a northwest-Hillsborough location near Tampa Palms and the Bruce B. Downs corridor.
Biggest riskRoof, systems, insurance, and the utility picture on a late-1970s to 1980s home.
Sweet spotAn updated established home on a dry, well-positioned lot matched honestly to comps.
Avoid ifYou want a gated master plan or brand-new construction with a builder warranty.

HOA, CDD & Fees

15-Second Take
  • Little to no mandatory HOA in most of the subdivision
  • No resort amenity package driving dues
  • Water and sewer billed by Hillsborough County since the 2024 takeover
  • New buyers may be on current county rates, not legacy rates
  • Confirm the HOA line, water rate, and flood zone per parcel

Listing guides describe Windemere as a neighborhood with little to no mandatory HOA, with any association fee at the low end (neighborhoods.com, 2026). There is no resort amenity package driving dues. Confirm the exact HOA line, if any, and what it covers for the specific parcel.

Where any association fee exists, it typically covers only common-area basics rather than gated or amenity services. The bigger carrying-cost line here is water and sewer: the Windemere system was acquired by Hillsborough County in 2024, and original account holders versus new buyers may be billed at different rates, so confirm the water and sewer rate for the parcel.

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 Windemere, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Spring Hill, 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 Windemere home worth?

Get a no-obligation home value based on real comparable sales in Windemere 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.

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Real comps, not a Zestimate.

Windemere Market Scorecard

Strong seller's market

Windemere 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 Windemere in Lutz?
Windemere is an established single-family subdivision in Lutz, in northwest Hillsborough County, sitting northwest of Tampa Palms near Crystal Lake. Confirm the exact location and ZIP for any specific home, since Lutz spans more than one ZIP code.
When was Windemere built?
Most homes date from roughly the late 1970s into the mid-1980s, per listing guides (neighborhoods.com, 2026). It is an established subdivision, so condition, roof age, and updates vary home to home.
Does Windemere have an HOA?
Listing guides describe little to no mandatory HOA, with any fee at the low end. There is no resort amenity package. Confirm the exact HOA line, if any, for the specific parcel.
Who provides water and sewer in Windemere?
Windemere was served by a small private water and wastewater utility, which Hillsborough County Water Resources acquired on June 7, 2024 (Hillsborough County, 2024). Confirm the current service and rate for the parcel.
Has Windemere had boil water notices?
Yes. Since the county takeover, Hillsborough County issued precautionary boil water notices for the Windemere system in September 2024 and again in spring and fall of 2025, tied to main breaks and plant pressure drops. These were precautionary and lifted after testing.
What kind of homes are in Windemere?
Mostly three to four bedroom single-family homes of roughly 1,300 to 2,000 square feet on generous fenced lots with mature landscaping (neighborhoods.com, 2026). This is established value stock, not new construction.
What schools serve Windemere?
Windemere is part of Hillsborough County Public Schools; the Lutz area is served by schools including Steinbrenner High School in Lutz. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home.
How is the commute from Windemere?
Windemere sits near Tampa Palms and the Bruce B. Downs corridor in northwest Hillsborough, with access toward I-275, the Veterans Expressway, and Tampa. Drive times depend on your exact start point and the time of day.
Should I worry about flood zones in Windemere?
Flood exposure is parcel specific. Always run the FEMA flood zone and an insurance quote for the exact address during diligence, especially given nearby lakes and wetlands.
Is Windemere a good value buy?
It offers established single-family homes with low carrying cost in a northwest-Hillsborough location. Value comes with older housing stock, so roof, systems, insurability, and the utility picture drive the outcome; this is not a guarantee of future value.
Is there new construction in Windemere?
No. Windemere is an established, built-out subdivision from the late 1970s to mid-1980s. Buyers wanting new construction look elsewhere in the Tampa Bay metro.
What is the biggest diligence item in Windemere?
Two things: the condition of an older home, meaning roof, systems, and insurance, and the water and sewer picture, since the system was acquired by the county in 2024 and has had several precautionary boil water notices.
Why does Windemere pricing vary?
Because it is established value stock where condition, roof age, updates, the lot, and the flood zone differ home to home. The parcel and the condition, not the Windemere name, set the price.
Are there amenities in Windemere?
Windemere is a non-amenity single-family subdivision with generous fenced lots and mature trees rather than a clubhouse, pool, or golf course. Nearby Lutz parks and the broader area provide recreation. Confirm any specifics for the home.
Value buyers who want an established single-family home with low carrying costExcellent fit
Buyers who want a Lutz location near Tampa Palms and the Bruce B. Downs corridorExcellent fit
Buyers comfortable budgeting renovation and insurance on an older homeExcellent fit
Buyers who will confirm the HOA line and water and sewer service per parcelExcellent fit
Buyers who will read roof, systems, and flood zone by the specific homeExcellent fit
Buyers who want a gated, amenity-dense master planProbably not
Anyone unwilling to read condition and the utility picture on an older homeProbably not
Buyers who need brand-new construction with a builder warrantyProbably not
Buyers unwilling to verify flood zone and insurance per parcelProbably not
Buyers expecting uniform housing stock and fees across the areaProbably not

Get the inside read on Windemere

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Windemere 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 Windemere specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Windemere — 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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