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
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
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
2405 Gallagher Rd is a 2026-built home in Lake Gallagher Sub, Dover. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,680 square feet of living space. Listed at $558,900 (about $333/sqft), 117 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $140 monthly.
Under Construction. One or more photo(s) was virtually staged. This charming three-bedroom, two-bath home offers a welcoming open layout that makes spending time together effortless, whether you're helping with homework at the kitchen island, preparing family dinners, or hosting friends for weekend get-togethers. The seamless flow between the kitchen and family room creates the perfect space to connect, while the private bedrooms give a peaceful retreat at the end of the day. Blending modern style with everyday comfort, the Cedar Key is a place where your family can grow, celebrate, and create memories that will last a lifetime.
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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
$558,900
$333 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,680 sq ft
Time on market
117 days
Year built
2026
Monthly payment
About $3,971/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,644 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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