13432 Lake Gallagher Dr, photo 1
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Overview

5 bd3 ba2,409 sqft3 car garageSingle Family
TypeSingle Family
HOA$140/mo
Built2026
Lot77,101 sqft
Living area2,409 sqft
Price / sqft$265
Garage3 car

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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

Kitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorThermostatWalk-in Closet(s)Window TreatmentsLightingConvection Oven

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$265
On market
297 days
Annual tax
$8,244
HOA
$140/mo
Flood zone
X · Low risk
Lot
77,101 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3 car garage
Driveway
1.77 acres
Lot size
2,409 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$4,478/mo
Down payment (20%)
$127,780
Property taxes
$687/mo
HOA
$140/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
77,101 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
297
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Convection Oven
Dishwasher
Disposal
Electric Water Heater
Microwave
Refrigerator
Elementary
Bailey Elementary-HB
Middle
Turkey Creek-HB
High
Strawberry Crest High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$8,244
Parcel #
U-08-29-21-C9I-000000-00025.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lake Gallagher Sub
County
Hillsborough
MLS Area
33527 - Dover
Lot Size
77,101 sqft
HOA
$140/mo
Lake Gallagher Homeowners Association, Inc

Price history

Date
Event
Price
8/20/2026
Price change
Source: Stellar MLS #TB8457894
$638,900+3.2%
$265/sqft
-
Price change
Source: Stellar MLS #TB8457894
$618,900-1.1%
$257/sqft
12/17/2025
Listed for sale
Source: Stellar MLS #TB8457894
$625,900
$260/sqft

Neighborhood

13432 Lake Gallagher Dr
Dover, FL, 33527 · 33527 - Dover

Market insights

Offer Insights

Choose an offer strength

List price: $638,900
$630,000 – $638,900
98.4% – 100% of listTops out right at the list price
80% of listList price
27 of the last 52 home closings in 33527 landed at this number or higher (52%). The median one sat 35 days before it went under contract, and this one is on day 297.

Sample: 52 closed home sales in 33527 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,479/mo
Principal & interest$3,332
Property taxes$687
Insurance$319
HOA$140
Down payment20% · $127,780
Interest rate6.80%
Loan term

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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.

Offer

What should I offer?

Have another question?

Brokered byLGI REALTY- FLORIDA, LLCListing agent: Gayle Van WagenenListing data from Stellar MLS, MLS# TB8457894.

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