Land O Lakes 34638

Pasco County, FL · 17,059 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

64affordability /100

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

Payment burden

22.3%

affordable

Days on market

daily

Price cuts

32.8%

of active

Valuation

-70.3%

vs assessor

Look up an address

/100

Mixed

cooling · balanced · prices easing year-over-year.

Price trend

Affordability

Valuation

Economic health

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

Balanced Market

DOM: 65d (rising) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)0

Valuation Gap (25%)40

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)50

Days on Market (5%)75

Balanced market in 34638. List price is roughly fair — focus on condition and value. Payment burden: 21.9% of median income. Median days on market: 65. Renting is approximately 28% cheaper than buying (price-to-rent ratio: 15.4).

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

COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 2.9% YoY.

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<iframe src="https://lotvox.com/embed/zip/34638" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Land O Lakes 34638 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/tampa/zip/34638?utm_source=embed&utm_medium=backlink">Land O Lakes 34638 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$424,793

▾ 2.9% YoY

Days on market

daily · zip_data

Median rent

$2,338

ZORI

Investor score

59/100

cash-flow lens

Active listings

279

90-day

Valuation3 lenses, different anchors

vs assessor

-70.3%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$126,300

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+67.5%

County-wide market — the widest, slowest signal.

Pasco+67.5%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$201

Price-to-income3.6×

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How 34638 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity77%

Supply tightness50%

Affordability93%

Investment yield48%

Appreciation18%

Affordability, supply & momentum

23SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply17.2 mo

Days on Market49d

Inv vs History-3.5%

Listing Density25.7/1k

Affordability — payment burden

Monthly payment (P&I)$2,195

Payment burden22.3%

Median income · ZIP$117,931

Mortgage rate6.71% · 30yr

Total monthly own$2,620

Monthly rent$2,338

Market dynamics

Price cut %32.8%

Momentumcooling

LeverageBALANCED

Months of supply17.2

Sales (90d)0

Investment analysis

Median rent$2,338

Price-to-rent15.4

Est. cap rate4.2%

Buy vs rentneutral

Livability

Walk score3

Transit score—

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Pasco.

Aggregate median -2.7% YoY in Tampa, FL (metro), but the under-$500k tier is -2.1% — the aggregate and the entry tier are moving together. Over the same year the under-$500k share of sales moved from 71.6% to 72.2% (+0.7pp) and the $1M+ share from 6.6% to 6.2% (-0.4pp).

Current tiers · 12 months to Aug 25floor 10 sales/tier

3 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$182k	$139	46	2.9%	ZIP
$250k–$500k	$380k	$184	1,086	68.4%	ZIP
$500k–$750k	$569k	$205	357	22.5%	ZIP
$750k–$1M	$815k	$230	86	5.4%	ZIP
$1M–$1.5M	$1.15M	$265	235	—	COUNTY · Pasco, FL
$1.5M–$2M	$1.62M	$335	39	—	COUNTY · Pasco, FL
$2M+	$4.04M	$326	35	—	COUNTY · Pasco, FL
All sales (the headline median)	$410k	$190	1,588	100%	ZIP

ZIP-level history was too thin to draw the tiers; served at metro level (Tampa, FL), by quarter.

Share of sales by tier (quarterly)

If the upper tiers widen over time, the headline median rises on composition alone.

Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+

Median within each tier, against the headline median (quarterly)

The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.

Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
All sales (headline)

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 34638.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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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.

ZIP 34638→Pasco County, FL

12-Month Direction

-10Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

38· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden49

30.4%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent55

1.174x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation11

+67.5%

overvalued

Source: Lotvox comps · Updated 2026-05-15