4219 HARBOR LAKE DRIVE, Lutz, FL, 33558 | $619,900

One or more photo(s) has been virtually staged. $30, 000 PRICE REDUCTION! Discover your dream home at 4219 Harbor Lake Dr, nestled in the serene Heritage Harbor Golf community in Lutz, FL. This stunning two-story single-family home boasts over 3, 000 square feet of heated living space, backing up to a tranquil wooded conservation area for ultimate privacy and natural beauty. Featuring 4 spacious bedrooms, 3 full bathrooms, and a versatile office/media room, this residence is perfect for families and entertainers alike. The first floor showcases elegant bamboo flooring, arched doorways, and crown molding, with separate living and dining rooms flowing into a bright family room with sliders opening to picturesque conservation views. The gourmet kitchen and updated bathrooms are adorned with granite countertops and stainless steel appliances, while the primary bathroom offers luxury with dual sinks, a garden tub, and a separate shower. Recent upgrades include a new roof and two new AC units installed in 2020, along with fresh exterior paint. Step outside to enjoy the expansive covered and screened patio, complete with a custom firepit area, ideal for relaxing or hosting gatherings.

Living in Heritage Harbor Golf community means access to exceptional amenities, including a public golf course, driving range, Recreation Center, on-site restaurant, resort-style pool with a water park, parks, playgrounds, and tennis courts. Zoned for the highly sought-after A-rated school campus of George Steinbrenner High School, McKitrick Elementary, and Martinez Middle, this location is perfect for families. The home is conveniently located just minutes from the Suncoast Expressway via Lutz Lake Fern, with daycares, pre-schools, shopping, and restaurants all within a 15-minute drive.

Explore nearby attractions within 20 miles, such as the vibrant Tampa Riverwalk (18 miles), offering dining, shopping, and scenic waterfront views, or the thrilling rides and wildlife exhibits at Busch Gardens Tampa Bay (16 miles). For outdoor enthusiasts, Lake Park (7 miles) provides trails, fishing, and kayaking, while Clearwater Beach (20 miles) beckons with its white sands and stunning sunsets. Enjoy cultural experiences at the Tampa Museum of Art (18 miles) or family-friendly fun at ZooTampa at Lowry Park (14 miles). With its prime location, modern upgrades, and access to top-tier community amenities, 4219 Harbor Lake Dr is more than a home—it's a lifestyle.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Laundry Room
  • Year Built: 2001
  • Garage: 2-car Driveway
  • Heating: Central, Zoned
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 3,079
  • Acreage: 0.16
  • Est. Taxes: $9,442
  • HOA Fee: $125 Monthly
  • Lot Desc: Conservation Area
  • View: Trees/Woods
  • Elem. School: McKitrick-HB
  • Middle School: Martinez-HB
  • High School: Steinbrenner High School
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8426083
  • Days on Market: 176 days
  • Website: https://www.raveis.com
    /prop/TB8426083/4219harborlakedrive_lutz_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/19/2026 5:03:13 AM)
Listing courtesy of TAMPA BAY PREMIER REALTY   Phone: 813-968-8231

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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Our Insurance Division:

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4219 HARBOR LAKE DRIVE, Lutz, FL, 33558

$619,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $495,920 $495,920 $495,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $787 $787 $787
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,934 $3,013 $4,019
Total Monthly Payment $3,813 $3,892 $4,898

* 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.