Land O Lakes 34637

Pasco County, FL · 5,742 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

63affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
22.7%
affordable
Days on market
62
daily
Price cuts
32.1%
of active
Valuation
-35.1%
vs assessor
Look up an address
47
/100
Mixed
cooling · buyer advantage · prices easing year-over-year.
Price trend
0
Affordability
95
Valuation
35
Economic health
63

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

45/ 100SellerBalancedBuyer
Balanced Market
DOM: 66d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)25
Days on Market (5%)75

Balanced market in 34637. List price is roughly fair — focus on condition and value. Payment burden: 22.7% of median income. Median days on market: 66. Renting is approximately 11% cheaper than buying (price-to-rent ratio: 13.3). Market appears 13% overpriced vs. assessed values.

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGBUYER ADVANTAGE

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 5.0% YoY.

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Market snapshoteach number, once

Median price
$427,832
▾ 5.0% YoY
Days on market
62
daily · zip_data
Median rent
$2,689
ZORI
Investor score
66/100
cash-flow lens
Active listings
110
90-day

Valuation3 lenses, different anchors

vs assessor
-35.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$277,500
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+68.5%
County-wide market — the widest, slowest signal.
Pasco+68.5%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$197
Price-to-income3.7×

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How 34637 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity57%
Supply tightness50%
Affordability91%
Investment yield71%
Appreciation13%

Affordability, supply & momentum

14SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.8 mo
Days on Market62d
Inv vs History+10.2%
Listing Density33.9/1k
Affordability — payment burden
Monthly payment (P&I)$2,161
Payment burden22.7%
Median income · ZIP$114,328
Mortgage rate6.49% · 30yr
Total monthly own$2,589
Monthly rent$2,689
Market dynamics
Price cut %32.1%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply18.8
Sales (90d)0
Investment analysis
Median rent$2,689
Price-to-rent13.3
Est. cap rate4.9%
Buy vs rentfavors buying

Livability

Walk score1
Transit score—
Bike score—

Historical trends

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Pasco County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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