2405 GALLAGHER ROAD, DOVER, FL, 33527
Active31 days on marketListed Jun 22, 2026MLS #TB8521831
About this home
2405 GALLAGHER ROAD
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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,680
Sqft
1.01 ac
Lot size
2
Garage
2026
Year built
One
Levels
$333
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,474 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,474/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+30.7%
Days on market
31 vs 69 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dover
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dover. See the full Dover guide →
DOVER 33527 — neighborhood snapshot
Population
16,412
Median age
38.3
Median income
$77,658
Median home value
$347,300
Avg household
2.96
Households w/ children
1,800
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dover market
$422K → $442K
Dover median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
Median sold price, Dover, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the DOVER 33527 median. See the full Dover market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 2405 GALLAGHER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2405 GALLAGHER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2405 GALLAGHER ROAD FAQs
What would the monthly payment be for 2405 GALLAGHER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,474/mo — principal and interest, the actual property-tax bill, the $140/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2405 GALLAGHER ROAD?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2405 GALLAGHER ROAD?+
The most recent tax bill on record (2026) was $7,644. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2405 GALLAGHER ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dover?+
At $558,900, this home is listed about 1% above the Dover median of $554,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2405 GALLAGHER ROAD?+
Mann Middle School (middle), Valrico Elementary School (elementary), Brandon High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of LGI REALTY- FLORIDA, LLC · Gayle Van Wagenen. MLS #TB8521831.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Dover homes, in your inbox
Like 2405 GALLAGHER ROAD but not quite? A daily digest of every new listing in Dover — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →