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Under contract-accepting backup offers. Discover a sense of calm and connection at this beautifully maintained 3-bedroom, 2-bath single-family home offering 2, 120 sq ft of living space on nearly a third of an acre in the heart of Lutz, Florida. Tucked away on a quiet street with no HOA and no CDD, this home feels worlds away from the bustle — yet moments from every modern convenience. Step inside to an inviting open layout filled with natural light and no carpet throughout, blending comfort and functionality. The renovated kitchen features granite countertops, a stylish glass tile backsplash, stainless steel appliances, and dark wood cabinetry — creating a perfect balance of warmth and sophistication. The spacious primary suite offers a relaxing retreat with a custom walk-in closet and built-in storage, while updated systems — including a 10 yr old roof, new 2025 septic drain field, 2025 water heater, new water softener, generator hookup and most windows hurricane rated — deliver everyday peace of mind. Outside, your private backyard oasis awaits. Lounge under the vine-covered pergola beside a custom concrete-top fire table, or host gatherings on the expansive entertaining deck complete with covered bar area and ambient lighting. The lush, tropical landscape surrounds you with fruit-bearing plants like bananas, avocado, passion fruit, and monstera, creating a sense of calm that feels like your own private garden retreat. All this tranquility comes without compromise — just minutes from U. S. 41, I-275, shopping, dining, and top-rated schools, making it easy to enjoy both peaceful living and modern convenience.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$505,000
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 |
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|---|---|---|---|
| Loan Amount | $404,000 | $404,000 | $404,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.161% | 6.168% | 5.541% |
| Monthly Tax Payment | $352 | $352 | $352 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,262 | $2,420 | $3,248 |
| Total Monthly Payment | $2,706 | $2,864 | $3,692 |
* 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.