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6107 COGNAC CIRCLE, Lutz, FL, 33558 | $810,000
One or more photo(s) has been virtually staged. Welcome to 6107 Cognac Circle, a beautifully maintained pool home on a quiet cul-de-sac in the gated Cheval community. Built in 1998, this residence offers 2, 801 heated sq ft on a quarter-acre lot with mature landscaping, pond views, a 3-car garage, and additional driveway parking. Inside, enjoy 10+ ft ceilings, ceramic tile in main living areas, and luxury vinyl plank flooring in all bedrooms (no carpet).
The bright, open kitchen and family room layout is ideal for both entertaining and everyday living. The gourmet kitchen features granite countertops, large island, white cabinetry, tile backsplash, under-cabinet lighting, desk workspace, and new built-in oven and microwave (2025). The primary suite offers a tray ceiling with can lighting, spa-style en-suite bath with dual vanities, soaking tub, separate shower and water closet, double walk-in closets, and direct access to the pool deck.
A split-bedroom floor plan provides flexibility for multi-generational living with four additional generously sized bedrooms, two updated full bathrooms, and a powder room near the formal living area. Outdoor living includes a private screened chlorine pool, updated pool surface, black aluminum fenced yard, and peaceful water views from the lanai. Recent updates include gas water heater (2025), exterior paint (2026), and new front light fixtures (2026).
Cheval residents enjoy 24-hour gated security, golf course, clubhouse, fitness center, golf-cart-friendly streets, and top-rated schools (McKitrick Elementary, Martinez Middle and Steinbrenner High). One-third mile walk to Brooker Creek trailhead from inside Cheval. Convenient to beaches, downtown Tampa, and Tampa International Airport, all with a low annual HOA of $150.
Features
- Amenities: Clubhouse, Fitness Center, Gated, Golf Course
- Rooms: 10
- Bedrooms: 5
- Baths: 3 full / 1 half
- Lot Size: 75 x 143
- Laundry: Inside, Laundry Room, Washer Hookup
- Year Built: 1998
- Garage: 3-car
- Heating: Central, Electric
- Cooling: Central Air
- Approx Sq. Feet: 2,801
- Acreage: 0.25
- Lot Size: 75 x 143
- Est. Taxes: $13,223
- HOA Fee: $150 Annually
- Lot Desc: Cul-De-Sac, Landscaped, Private
- View: Water
- Elem. School: McKitrick-HB
- Middle School: Martinez-HB
- High School: Steinbrenner High School
- Pool: Child Safety Fence, Gunite, In Ground, Pool Sweep, Screen Enclosure, Self Cleaning
- Pet Policy: Yes
- Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Exhaust Fan, Microwave, Refrigerator
- MLS#: A4679372
- Days on Market: 32 days
- Website: https://www.raveis.com
/prop/A4679372/6107cognaccircle_lutz_fl?source=qrflyer
Listing courtesy of HOMESMART Phone: 407-476-0461
William Raveis Family of Services
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.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
6107 COGNAC CIRCLE, Lutz, FL, 33558
$810,000
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
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $648,000 | $648,000 | $648,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.875% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.130% | 5.984% | 5.912% |
| Monthly Tax Payment | $1,102 | $1,102 | $1,102 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,679 | $3,833 | $5,381 |
| Total Monthly Payment | $4,873 | $5,027 | $6,575 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388