Land O Lakes 34639

Pasco County, FL · 10,172 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

59affordability /100

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

Payment burden
24.6%
affordable
Days on market
36
daily
Price cuts
32.0%
of active
Valuation
-54.3%
vs assessor
Look up an address
55
/100
Mixed
cooling · balanced · prices easing year-over-year.
Price trend
35
Affordability
95
Valuation
20
Economic health
59

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

40/ 100SellerBalancedBuyer
Balanced Market
DOM: 69d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)25
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)25
Days on Market (5%)75

Balanced market in 34639. List price is roughly fair — focus on condition and value. Payment burden: 24.7% of median income. Median days on market: 69. Renting is approximately 43% cheaper than buying (price-to-rent ratio: 17.2).

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 2.4% YoY.

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Market snapshoteach number, once

Median price
$406,246
▾ 2.4% YoY
Days on market
36
daily · zip_data
Median rent
$1,974
ZORI
Investor score
55/100
cash-flow lens
Active listings
79
90-day

Valuation3 lenses, different anchors

vs assessor
-54.3%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$185,700
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$205
Price-to-income4.1×

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How 34639 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity88%
Supply tightness47%
Affordability80%
Investment yield35%
Appreciation39%

Affordability, supply & momentum

43SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply12.9 mo
Days on Market36d
Inv vs History-17.7%
Listing Density7.5/1k
Affordability — payment burden
Monthly payment (P&I)$2,052
Payment burden24.6%
Median income · ZIP$99,959
Mortgage rate6.49% · 30yr
Total monthly own$2,458
Monthly rent$1,974
Market dynamics
Price cut %32.0%
Momentumcooling
LeverageBALANCED
Months of supply12.9
Sales (90d)0
Investment analysis
Median rent$1,974
Price-to-rent17.2
Est. cap rate3.8%
Buy vs rentneutral

Livability

Walk score1
Transit score
Bike score

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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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