Costs of owning

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Pearl Estates HOA fees

Lutz, Hillsborough County · 33548

Homes in Pearl Estates (Lutz) pay a median $1,596 a year in HOA dues, about $133 a month, based on 5 listings. Half fall between $1,591 and $1,620. None of the listings we reviewed report a CDD.

HOA, median
$1,596/yr
About $133 a month
CDD, median
None reported
Property tax, median
$10,429/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$1,002
HOA + tax at the medians

What the dues cover

  • Internet80% of listings
  • Maintenance Grounds40% of listings
  • Common Area Taxes20% of listings
  • Escrow Reserves Fund20% of listings
  • Management20% of listings
  • Recreational Facilities20% of listings

Amenities listed: Gated, Park, Fence Restrictions, Maintenance.

Live inventory

For sale in Pearl Estates right now

3 active listings

18114 Serene Lake Loop
Active
House for sale
$779,000
5 bed5 bath3,273 sqft0.14 acre lot
18114 Serene Lake Loop
Lutz, FL, 33548
Brokered by COMPASS FLORIDA LLC
18342 Serene Lake Loop
ActivePrice reduced
House for sale
$860,000
$15k
5 bed5 bath3,334 sqft0.14 acre lot
18342 Serene Lake Loop
Lutz, FL, 33548
Brokered by SAND KEY REALTY
18286 Serene Lake Loop
ActivePrice reduced
House for sale
$615,000
$10k
4 bed3 bath2,156 sqft0.18 acre lot
18286 Serene Lake Loop
Lutz, FL, 33548
Brokered by MIHARA & ASSOCIATES INC.
See all 3 Pearl Estates homes

Pearl Estates cost questions

How much are HOA fees in Pearl Estates?

Homes in Pearl Estates (Lutz) pay a median $1,596 a year in HOA dues, about $133 a month, based on 5 listings. Half fall between $1,591 and $1,620.

Does Pearl Estates have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Pearl Estates, before the mortgage?

HOA and property tax come to about $1,002 a month at the medians (property tax median $10,429 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Pearl Estates from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 5 addressesin subdivisions matching “PEARL ESTATES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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