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A private waterfront pool home in the heart of Lutz, this Villa Rosa residence delivers the location, floor plan, and outdoor lifestyle buyers consistently search for. Set on a pond-front homesite with mature palms and no rear neighbors, this four-bedroom, two-bath home offers an open layout, high ceilings, and major updates already completed. Three large queen palms frame the water view, creating a resort-style setting that offers privacy, tranquility, and year-round enjoyment. With a newer roof, updated systems, and no carpet throughout, this home is move-in ready and designed for everyday comfort and entertaining. Built in 2000 and offering approximately 1, 856 square feet, the split-bedroom floor plan provides both flow and privacy. The entry welcomes you with decorative molding and architectural detail, opening into a spacious great room filled with natural light from skylights and French doors that lead directly to the covered lanai and pool. This seamless indoor-outdoor connection creates a home that lives larger and functions effortlessly for gatherings or quiet evenings at home.
The kitchen is positioned at the center of the home and features granite countertops, stainless steel appliances, ample cabinetry, a pantry closet, and a breakfast bar that connects to the living and dining spaces. An interior laundry room with storage shelving sits just off the kitchen and offers direct access to the garage for added convenience. The primary suite is privately located at the rear of the home with sliding glass doors overlooking the pool and pond. The en-suite bath includes dual vanities, a garden soaking tub with window, a separate tiled shower, linen storage, and a private water closet. Three additional bedrooms are well-sized and thoughtfully placed near a full guest bath with tub and shower combination. Outdoor living is a standout feature. The screened pool enclosure includes a covered lanai, pavered deck and pavered walkways along the sides and rear of the home. Major improvements include a new roof in 2021, HVAC replacement in 2019, and a commercial-grade AO Smith ProLine electric water heater with expansion tank. Additional features include a two-car garage with keypad entry, Rain Bird irrigation system, water softener, ADT security system, and a neutral interior color palette. The home is located in Villa Rosa, a well-established community known for mature landscaping, low HOA fees, no CDD, and convenient access to shopping, dining, schools, and major commuter routes. This home offers a rare combination of waterfront views, functional design, meaningful updates, and outdoor living in one of Lutz’s most desirable neighborhoods.
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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 | $414,400 | $414,400 | $414,400 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 6.000% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.178% | 5.541% |
| Monthly Tax Payment | $511 | $511 | $511 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,288 | $2,485 | $3,331 |
| Total Monthly Payment | $2,891 | $3,088 | $3,934 |
* 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.