Land O' Lakes Homes for Sale

Land O' Lakes is an unincorporated community in Pasco County. The U.S. Census Bureau lists it as a census-designated place, not an incorporated city. If you're looking at Land O' Lakes homes for sale, you'll see resale houses, townhomes, and new construction, including several planned communities that sit inside a Community Development District.

I work here as a Realtor and as a Mortgage Loan Originator. I can help you tour a listing and compare loan paths, including CDD assessments and builder contracts. You don't have to use both services.

Where Land O' Lakes sits

Land O' Lakes is in south-central Pasco County, generally west of Wesley Chapel and north of the Hillsborough County line. The usual road frame is U.S. 41, State Road 54, State Road 52, and the Suncoast Parkway (State Road 589). Those routes connect this area toward Tampa, New Tampa, and other parts of Pasco. A listing's city line, postal city, and census place are not always the same, so I confirm the address on the property record.

Pasco County maintains public parks and recreation sites in this area, including Land O' Lakes Heritage Park. That is useful daily-life context. It is not a substitute for a property-level review of flood, insurance, HOA rules, and the tax bill.

Nearby planned communities with Community Development Districts

Several established planned communities show up in most Land O' Lakes searches, but they sit outside the U.S. Census Bureau's Land O' Lakes census-designated place, even where the mailing address says Land O' Lakes. Based on the Census Bureau's geocoder (checked November 10, 2026), The Groves, Bexley, and Oakstead are in unincorporated Pasco County near that census place, and Connerton is its own census-designated place to the north. I list them here because buyers compare them with Land O' Lakes and each has an official Community Development District. Confirm the jurisdiction on the property record for the address you want.

The Groves has a Land O' Lakes mailing address and sits in unincorporated Pasco County, just north of the Land O' Lakes census place. The community's official site places it at 7924 Melogold Circle, Land O' Lakes, Florida. The Groves CDD describes itself as a local unit of special-purpose government created under Florida law. The community has both a CDD and an HOA. The Groves' HOA describes it as an "active adult 55+" community, deed-restricted, with 755 homes, and says there is no new housing development there, so homes come up as resales. Age and occupancy rules come from the community's own governing documents, so read them, and ask the HOA any questions, before you write an offer.

Bexley sits west of the Land O' Lakes census place and Oakstead sits just outside its western edge, both in unincorporated Pasco County, and Connerton is a separate census-designated place to the north. Bexley, Connerton, and Oakstead each have Community Development Districts listed in Pasco County special-district records, and some of these communities have more than one district. Check which district, if any, covers the lot you want. These are planned communities with a mix of resale and, in some cases, newer construction. I do not restate assessment amounts here. Pull the tax bill and the district documents for the lot you want.

Angeline is also in unincorporated Pasco County, northwest of the Land O' Lakes census place. If a listing is there or in another nearby planned community, we'll verify the jurisdiction, the district, and the tax bill for that address.

What kinds of homes show up

You'll find single-family homes, townhomes, and some attached products, in both resale and new-construction communities. New construction is a different contract than a resale. The deposit, the completion date, the options, and how the loan is timed all sit in the builder's documents. You can often choose your own mortgage professional rather than only the builder's preferred lender. I'll compare the loan path before you sign if you bring me in early. For a broader look at new construction as a purchase, see buying a newly built home.

Current listings

There are updating homes for sale. The median list price is updating, and the average is updating. The median size is updating. The median price per square foot is updating. Median days on market is updating, and the average is updating.

Those figures are asking prices and timing on current listings, not sold prices. If you want to see a home, request a tour on the listing. You can also browse listings.

CDDs, new-construction loans, flood, and insurance

A Community Development District is a local unit of special-purpose government authorized by Chapter 190 of the Florida Statutes (reviewed November 10, 2026). It can finance and maintain certain infrastructure and then levy taxes or assessments on the property. Under section 190.048, each contract for the initial sale of a parcel or residential unit in a district must include a bold, conspicuous disclosure, immediately before the purchaser's signature space, that the district may impose taxes or assessments, or both, for construction, operation, and maintenance, in addition to county and other local taxes. On a resale, the assessment usually still appears on the county tax bill. If you don't see it there, ask the district how it bills assessments. A homestead exemption does not cancel a CDD assessment. See What Is a CDD in Florida? and What is a CDD in Tampa Bay?

On a new-construction purchase, I also look at completion and appraisal timing, and I include the CDD assessment in the monthly housing cost when we qualify the file. Builder incentives tied to a preferred lender are usually a choice, not a requirement, so read the builder contract. I'll put the loan and the incentive side by side so you can see the real cost.

Flood risk is parcel-specific, even inland. Pasco County's official Find My Flood Zone tool (reviewed November 10, 2026) is the starting point for an address lookup. The county lists Zone X as low to moderate risk and outside the Special Flood Hazard Area, Zones A, AE, and AH as high risk, and Zones V and VE as coastal high risk. Confirm the zone, and any base flood elevation, there and on FEMA's Flood Map Service Center. A flood zone is not the same as a hurricane evacuation zone. For buyer-level context, see Florida Flood Zones: What Tampa Bay Buyers Should Know. If the home is in a Special Flood Hazard Area, flood insurance is generally required for a mortgage from a federally regulated or federally backed lender. Outside that area, it may still be worth pricing. Closing-cost context is in Florida Closing Costs.

Getting to Tampa and around Pasco

U.S. 41, State Road 54, State Road 52, and the Suncoast Parkway are the corridors most people use for work and errands. Travel time depends on where the house sits, where you're going, and the hour you leave. I don't quote a standard drive time here. Drive the actual route at the hour you'd commute, including the last mile inside the neighborhood, before you rely on a listing's commute claim. Shoppers often compare this area with Wesley Chapel homes, which is just east in Pasco County.

School zones, without rankings

School zoning is assigned by address through Pasco County Schools. I don't rank schools, and I don't use school ratings to sell a neighborhood. If the school zone matters to you, confirm it for the specific property with the district, then verify again before you close, because boundaries can change.

Loan paths in Land O' Lakes

Conventional, FHA, VA, and, where the property and the borrower fit, Non-QM options can all come up here. USDA is an option only if the address is in a USDA-eligible area, so we check that first. CDD assessments and new-construction timing are the usual extras. Start with FHA Loan Requirements in Florida or Financing, and apply for a mortgage when you're ready for a real pre-approval.

If you need down payment help, Pasco County and Florida Housing programs have their own rules, income limits, and price caps, and those change. I confirm what is open on your file. Start with financing options.

Work with me here

I'm Jonathan Loescher, a Tampa Bay Realtor and Mortgage Loan Originator. I can originate your loan through PMF, Inc. and run the real estate file through Realty of America. Book a consultation if you want to talk through a purchase or a loan path. To see a home, request a tour on the listing. You can also browse listings.

Jonathan Loescher, Realtor, Florida real estate license SL3546365, Realty of America. Jonathan Loescher, Mortgage Loan Originator, NMLS 2621894. Mortgage loans are originated through PMF, Inc., NMLS 1980, a Florida licensed Mortgage Broker. Real estate and mortgage services are provided by separate companies, and you don't have to use both. Verify licensing at www.nmlsconsumeraccess.org. Equal Housing Opportunity. Education only. This is not a commitment to lend. All loans are subject to credit approval, underwriting, and property eligibility. Not all applicants will qualify. Any loan approval is conditional until all underwriting conditions are met.

Common questions

Is Land O' Lakes a city?

No. It is an unincorporated community and a census-designated place in Pasco County. Services, zoning, and permitting generally run through the county.

Do The Groves, Bexley, Connerton, and Oakstead all have CDDs?

Each has at least one Community Development District in official records, and some have more than one. Not every lot in a community is necessarily in the same district, so confirm the district and the assessment on the tax bill for the specific lot. None of the four sits inside the Land O' Lakes census place, so check the property record for the jurisdiction too.

Can I use FHA or VA in a CDD community?

Often, if the borrower and the property fit. The CDD assessment is still part of the housing cost. I'll include it when we qualify the file.

How do I check flood insurance for a Land O' Lakes address?

Use Pasco's Find My Flood Zone tool and FEMA's map, then price coverage with an insurance professional. A lower-risk zone does not make flood insurance useless, and a higher-risk zone does not automatically make a loan impossible.