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Under contract-accepting backup offers. Seller Financing Now Available!! Located in the private, gated community of Kensington Estates—an exclusive enclave of just 38 custom homes spread across 90+ acres with no CDD fees—this rare Lutz estate sits high and dry in Flood Zone X (no flood insurance required) and offers over 3, 730 sq ft of upgraded living space, including 4 bedrooms, 3 full bathrooms, a private office, formal living and dining rooms, and an upstairs loft with new luxury vinyl plank flooring (2023). Nearly the entire layout is on the first floor for everyday convenience, with the loft serving as a flexible space for a gym, media room, or playroom. Positioned on a 0. 78-acre lot with no front neighbor, tranquil pond views, and conservation behind, the setting provides total privacy and strong curb appeal. The remodeled kitchen impresses with quartz and white marble countertops, high-gloss cabinetry, glass mosaic backsplash, Samsung smart refrigerator, double ovens, a built-in wine fridge, skylight, dry bar, glass rack, and a cozy breakfast nook. The oversized primary suite features pool views, upgraded lighting, polished tile flooring, and two custom walk-in closets (2023). The fully remodeled primary bath showcases a freestanding soaking tub, dual quartz vanities, gold fixtures, updated lighting, and a marble-tiled walk-in shower with recessed niche (2023). A custom in-law suite—created by combining two bedrooms—includes its own remodeled bath with walk-in shower and exterior pool access, a custom walk-in closet (2023), and private entry. The guest bathroom has also been fully updated with quartz counters, bold designer lighting, dramatic tilework, and a marble-style glass-enclosed shower. Additional 2023 upgrades include: new A/C system, water heater, whole-house iron/manganese/hydrogen sulfide water filtration system, water softener, heavy metal filter, recessed lighting throughout, ceiling fans in all bedrooms, motorized blinds on every window, and septic system enhancements including a new riser, lid, and timer (2023). The laundry room has been fully renovated with stone countertops, dark wood cabinetry, a utility sink with brass faucet, open shelving, and LG washer/dryer. The 3-car garage has been transformed into a premium finished space with epoxy floors, recessed lighting, full-length built-in cabinetry with upper glass-inset doors, and a kitchenette—ideal for a workshop, home gym, or flex space. The backyard is fully fenced and designed for entertaining, with a screened lanai, resort-style pool, custom pergola, and a built-in playground tucked beneath mature trees. Walkway pavers were professionally resealed (2025), and the septic pump was replaced (2022). Enjoy a private, upscale lifestyle with key destinations just minutes away: Publix and Lutz Prep K–8 (5 mins), Target, Tampa Premium Outlets, Dale Mabry Hwy, and I-275 (10 mins), USF and Downtown Tampa (20 mins), Veterans Expressway (22 mins), and Tampa International Airport (25 mins).
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$799,999
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $639,999 | $639,999 | $639,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.156% | 5.415% |
| Monthly Tax Payment | $1,119 | $1,119 | $1,119 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,684 | $3,833 | $5,103 |
| Total Monthly Payment | $4,895 | $5,044 | $6,314 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.