Living in Trinity FL means golf course neighborhoods, an 18,000 acre wilderness park at the edge of town, and a short drive to the Gulf beaches, all in the southwest corner of Pasco County. Trinity sits just north of the spot where Pasco, Pinellas, and Hillsborough counties meet, right next door to Odessa and Starkey Ranch. It shares the 34655 ZIP code and the 727 area code with the New Port Richey area, and about 11,900 people lived in the census area in 2020, up from about 4,300 in 2000.
The median sale price in Trinity was about $499,000 in September 2026, according to Redfin. Tampa International Airport is about 35 minutes away by car, and Honeymoon Island State Park is about 20 miles to the southwest.
We are grateful to help families settle in Trinity, and this guide covers what daily life here looks like: how the community came to be, the neighborhoods and what they cost, the shopping, the golf, the trails, the hospital, the real monthly costs, and what is new in 2026.
What Is Trinity and How Did It Start?
Trinity is a planned community of neighborhoods that grew up in the late 1980s and 1990s on former ranch and farm land along State Road 54. It is not a city. It is a census designated place in unincorporated Pasco County, so the county handles roads, permits, and most services.
The name comes from Trinity College of Florida, a Bible college founded in 1932. When James Gills began developing the Trinity communities in the late 1980s, the college moved onto the first occupied site, and the name stuck to the whole area.
Ranch history still shows up on the map. The Mitchell family sold land from its former cattle ranch at Little Road and State Road 54, and that land became The Village at Mitchell Ranch, the shopping center most residents use every week. You will also see Cattle Ranch Way and Mitchell Ranch Road on the signs nearby.
Who lives here
Trinity has a settled, established feel. The median age in the 2020 census was about 48, and about one in four residents was 65 or older. Most households are married couples.
Which Trinity Neighborhood Fits You?
Trinity has a neighborhood for most budgets, from townhomes in the low $200,000s to gated golf estates near $2 million. Price usually tracks three things here: lot size, golf access, and whether there is a gate. Here is how the main areas compare.
Neighborhood | What it looks like | Typical price range |
|---|---|---|
Heritage Springs | Gated 55 and over golf community, 1,337 homes on 875 acres, villas to estate homes | About $375,000 to $560,000 |
Thousand Oaks | Single family homes and townhomes with a community pool | About $230,000 to $740,000 |
Fox Wood | Family subdivision, one of the busiest resale areas in Trinity | Medians of about $445,000 to $497,000 |
Trinity Oaks | Homes built from 1991 to 1997, low HOA dues | About $410,000 to $680,000 |
Trinity Preserve | Single family homes off the main corridors | Median of about $515,000 |
Villages of Trinity Lakes, Trinity East, and Trinity West | Established single family areas near the lakes | Medians of about $460,000 to $570,000 |
Champions Club | Country club homes and townhomes with a championship golf course | About $925,000 to $1.8 million for homes |
Longleaf (just north) | Homes built from 2002 to 2021, very low HOA dues | About $420,000 to $620,000 for most sales |
These ranges come from recent sales and listings through early October 2026. Small neighborhoods can swing a lot on just a few sales, so treat them as a starting point, not a price tag.
Heritage Springs
Heritage Springs is a gated 55 and over country club community. Its 18 hole private course was designed by Ron Garl and opened in 2000. The 20,600 square foot clubhouse has a library, a billiards room, an arts and crafts studio, a performing arts center, a restaurant, and a sports lounge. Outside there are Har-Tru tennis courts, a heated pool and spa, and a fitness center. A lifestyle director plans the calendar. Recent listings carried HOA dues of about $313 a month, with some villages adding a second fee for exterior and grounds care.
Thousand Oaks
Thousand Oaks mixes single family homes and townhomes, which makes it one of the more flexible places to start in Trinity. Twenty one homes sold here in the past year at an average of about $485,000. HOA dues run about $300 to $365 a month for single family homes and about $224 to $267 for townhomes, and they cover a long list of items, including the pool, grounds, water, sewer, trash, and pest control.
Champions Club
Champions Club is the high end of the Trinity market. Listings in October 2026 ranged from about $925,000 to $1.8 million. HOA dues run about $854 to $879 a month for single family homes and about $315 for a townhome, covering grounds, roads, the pool, security services, sewer, and recreation facilities. Golf membership may cost extra, so ask the club office before you write an offer.
Where Do You Shop and Eat?
Most everyday errands in Trinity happen along State Road 54 and Little Road, within a few minutes of almost every neighborhood. There is no single downtown. Instead, a handful of shopping centers sit at the main intersections.
The Village at Mitchell Ranch
The Village at Mitchell Ranch sits at the corner of Little Road and State Road 54. It opened in 2019 with Sprouts Farmers Market, HomeGoods, ULTA Beauty, Five Below, and Skechers, along with restaurants like First Watch, Chipotle, Blaze Pizza, PDQ, Jersey Mike's Subs, Panda Express, and Louis Pappas.
Other centers
- Shoppes at Trinity Lakes: a neighborhood center anchored by Publix.
- Trinity Village Center: a 76,834 square foot center with tenants that include Bonefish Grill, Synovus Bank, and Tampa General. It sold for $23 million in September 2026 and was 93 percent leased.
- The State Road 54 corridor east toward Odessa: newer openings include a Chick-fil-A at 13402 State Road 54, which opened October 4, 2025, and Dave's Hot Chicken on Pine Gap Spur, which opened in April 2025.
For bigger shopping trips, many residents head south into Pinellas County or east toward Tampa. Tarpon Springs, with its Sponge Docks and Greek restaurants, is about 10 miles away.
What Is There to Do Outside?
Trinity has two big outdoor draws: golf in the neighborhoods and Jay B. Starkey Wilderness Park right at the north edge of town. Between them, a lot of residents spend most weekends outdoors.
Jay B. Starkey Wilderness Park
The park covers about 18,000 acres of pine flatwoods, cypress, and wetlands, and admission is free. Its address is 10500 Wilderness Park Boulevard. The land also protects a well field that supplies drinking water to the Tampa Bay area and filters water flowing toward the Anclote and Pithlachascotee rivers.
- Paved trail: a seven mile paved bike path runs through the forest with no road crossings, and it connects to the 42 mile Suncoast Trail.
- Horse and hiking trails: a 10 mile equestrian trail that hikers also use, plus many unpaved trails for mountain biking.
- Cabins: eight rustic cabins that sleep up to eight people each, at $50 a night with a seven night limit. You bring your own linens or sleeping bags.
- Camping: 16 shaded tent sites with restrooms and showers at $15 a night, and three hike in backcountry sites at $10 a night. RVs are not allowed.
Reservations for cabins and campsites open up to 30 days ahead online.
Golf
Golf is part of daily life for a lot of Trinity residents. Heritage Springs has its private Ron Garl course for members. Fox Hollow Golf Club is a semi-private 18 hole course designed by Robert Trent Jones Sr. that opened in 1994, so you do not need to live in a golf community to play a quality round close to home. Champions Club has its own championship course for its residents.
The beaches
Honeymoon Island State Park is about 20 miles away, at the end of the Dunedin Causeway. Clearwater Beach is farther south down the coast. It makes an easy Saturday trip.
How Easy Is It to Get Around?
State Road 54 is Trinity's main road, and it connects to the Suncoast Parkway to the east and US 19 to the west. Little Road runs north and south through the heart of the area, and Trinity Boulevard and Starkey Boulevard link the neighborhoods to the main roads.
Tampa International Airport is about 28 miles by road, which is usually about 35 minutes. The small Tampa Bay Executive Airport that once sat at Trinity Boulevard and State Road 54 closed in 2004.
Recent road work
- State Road 54 repaving: the Florida Department of Transportation finished a $12.7 million, 3.4 mile project from west of Little Road to Marathon Road in June 2025. It added a wider sidewalk on the north side between Starkey Boulevard and Marathon Road, pedestrian upgrades at Hospital Boulevard, and a new mid block crossing east of Starkey Boulevard.
- Trinity Boulevard signal: a new four way signal with turn arrows at Trinity Boulevard and Cool Springs Parkway started working on July 7, 2026, ending a hard left turn for drivers.
- Mitchell Ranch Road signal: a new traffic light at State Road 54 and Mitchell Ranch Road was expected to begin construction in 2026.
What Is Health Care Like in Trinity?
HCA Florida Trinity Hospital, once known as Medical Center of Trinity, sits on State Road 54 and serves Pasco, Hernando, Hillsborough, and northern Pinellas counties. In January 2026, the state's Agency for Health Care Administration named it a Statutory Teaching Hospital. It is affiliated with the University of South Florida Morsani College of Medicine and hosts residency programs in diagnostic radiology, internal medicine, and a transitional year.
The hospital broke ground in September 2024 on an operating room expansion that brings it to 13 operating rooms, with completion planned for late 2025. In April 2026 it opened HCA Florida Sunlake Emergency, a $15 million, around the clock freestanding emergency department at State Road 54 and Sunlake Boulevard in Lutz. That is the hospital's fourth freestanding emergency department.
What Do Homes Cost in 2026?
The median sale price in Trinity was about $499,000 in September 2026, up 7.4 percent from a year earlier, according to Redfin. Fifty one homes sold that month, up from 35 a year before. The median home took about 60 days to sell, compared with 24 days a year earlier, and homes sold for about 97.7 percent of the asking price in August. About 42 percent of listings had a price cut.
A trailing twelve month look gives a similar picture. Across 148 closings, the median sale was $497,000, at about $221 per square foot, with about 3.4 months of supply. The median home was about 2,300 square feet and built around 2006. Roughly 89 percent of sales were single family homes and 11 percent were townhomes or villas.
What that means for buyers and sellers
Prices are steady, and buyers have more time and more room to negotiate than they did a few years ago. Homes that are priced well and show well still move. Redfin reported that the best homes sold near list price in about 23 days, while the average home went pending in about 62 days.
What Are the Monthly Costs Beyond the Mortgage?
Every current listing in Trinity carries some kind of homeowners association, but the dues vary from about $15 a month to more than $850. The median among recent listings was about $102 a month. Older neighborhoods like Trinity Oaks and Longleaf have very low dues, while the gated golf communities bundle in much more.
CDD fees
Many of Trinity's established neighborhoods were built without a Community Development District, and some listings say "no CDD" right in the description. Newer communities in Pasco County often do carry a CDD assessment on the tax bill. Always check the property appraiser's record for any home you like.
Property taxes
The typical total millage in this part of Pasco County is about 16.15 mills. On a $497,000 home with a $50,000 homestead exemption, that works out to roughly $7,200 a year before the Save Our Homes cap starts to help. That is a planning number, not a quote. The Pasco County Property Appraiser's site will show the exact figure for any address.
Flood zones and insurance
Trinity sits inland at an elevation of about 33 feet, and most of the community is in FEMA flood zone X, the lower risk zone. First Street estimates that about 17 percent of properties face severe flood risk over 30 years, so a few lots near ponds, creeks, and wetlands are worth a closer look. Flood coverage in low risk zones is often estimated at $400 to $600 a year.
Homeowners insurance estimates for Trinity range widely, from about $1,700 a year for an average state insurer policy to $3,800 to $4,400 a year in other 2026 estimates. Roof age, wind mitigation features, and construction year move that number a lot. We always recommend getting a real quote during the inspection period.
What Is New in Trinity in 2026?
The biggest news of 2026 is The Marketplace at Trinity, a planned retail center near State Road 54 and Little Road. Formal plans for a BJ's Wholesale Club with a fuel station and a Home Depot with a garden center were submitted to Pasco County on February 13, 2026. The main entrance is planned at a new signal at State Road 54 and Cattle Ranch Way. Site plans also show an Olive Garden, a LongHorn Steakhouse, a bank, and more retail buildings, though plans for those have not been formally filed. No opening date has been set.
The Trinity Village Center sale in September 2026 and the opening of HCA Florida Sunlake Emergency in April 2026 show steady investment in the area. Along the State Road 54 corridor toward Starkey Ranch, Texas Roadhouse and Bubba's 33 were announced in 2024, with no confirmed opening date yet.
Frequently Asked Questions
Is Trinity FL a good place to live?
People who want established neighborhoods, golf, and a large wilderness park close by tend to love it. It is quieter than the coast, close to Tampa and Pinellas County, and has most daily errands within a few minutes along State Road 54 and Little Road.
How much does a house cost in Trinity FL?
The median sale price was about $499,000 in September 2026. Townhomes start in the low $200,000s, most family homes sell between about $415,000 and $605,000, and gated golf homes in Champions Club run from about $925,000 to $1.8 million.
Is Trinity part of New Port Richey?
Trinity is its own census designated place in unincorporated Pasco County. It shares the 34655 ZIP code with part of the New Port Richey area, so some addresses and listings use either name.
Is there a 55 and over community in Trinity?
Yes. Heritage Springs is a gated 55 and over country club community with 1,337 homes, a private 18 hole golf course, and a 20,600 square foot clubhouse. Recent homes there sold or listed between about $375,000 and $560,000.
How far is Trinity from Tampa airport and the beach?
Tampa International Airport is about 28 miles by road, which usually takes about 35 minutes. Honeymoon Island State Park is about 20 miles away, and the Tarpon Springs Sponge Docks are about 10 miles away.
Is Trinity FL in a flood zone?
Most of Trinity is in FEMA flood zone X, the lower risk zone, and the area sits about 33 feet above sea level. Some lots near ponds and wetlands carry more risk, so check the FEMA map and an elevation certificate for any home you like.
Do Trinity homes have HOA or CDD fees?
Nearly all do have an HOA, with a median near $102 a month and a range from about $15 to more than $850. Many established neighborhoods have no CDD, but always confirm on the tax record before you buy.
Ready to Take the Next Step?
Living in Trinity is about the everyday comforts: a morning ride on the Starkey paved trail, a round of golf after work, Saturday errands at Mitchell Ranch, and an easy drive to the Gulf when you want the water. We are honored to help families find the right street here, whether that means a villa in Heritage Springs, a family home in Fox Wood, or a golf estate in Champions Club.
If you are thinking about a move to Trinity, reach out to Rocks Realty. We are right next door in Odessa, and we would be glad to tour the neighborhoods with you, run the real numbers on taxes, dues, and insurance, and help you decide with confidence.
