

Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- LAKE GALLAGHER SUB
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$140/mo
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
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11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
13432 Lake Gallagher Dr is a 2026-built home in Lake Gallagher Sub, Dover. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,409 square feet of living space. Listed at $638,900 (about $265/sqft), 297 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $140 monthly.
Virtually Staged. The Palm Beach opens into a wide family room that flows straight into the kitchen and dining space, the kind of layout where nobody ends up stranded in another room while dinner comes together and the game is on. Quartz counters stretch far enough to spread an entire holiday meal across them. Stainless Whirlpool appliances, 42 inch wood cabinets topped with crown molding, Moen fixtures, and soft ENERGY STAR lighting all come included rather than upsold. Then there are the five bedrooms. Real ones, each with bright windows and its own closet. The owners suite tucks away at its own end with a soaking tub and separate walk in shower. The other four flex into whatever the buyer needs most: a home office, a studio, a gym, a guest room that stays ready year round. Out back, a covered patio and slow Florida mornings. Out front, a three car garage that finally fits the truck, the trailer, and every bike in the family. 2,409 square feet of brand new construction. Never lived in. Builder warranty. Programmable thermostat, double pane vinyl windows, and a WiFi enabled garage door opener already in place. Waterfront homesites available. Minutes from Brandon shopping and dining with a quick shot into Tampa.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 52 closed home sales in 33527 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$638,900
$265 per sq ft
Beds and baths
5 beds, 3 baths
Size
2,409 sq ft
Time on market
297 days
Year built
2026
Monthly payment
About $4,478/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,244 annual tax bill, insurance, and the $140/mo HOA fee.
HOA fee
$140/mo
Managed by Lake Gallagher Homeowners Association, Inc.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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