22841 SAINT THOMAS CIRCLE, Lutz, FL, 33549 | $349,900

Under contract-accepting backup offers. Welcome to this quaint, beautifully curated Lutz home nestled on a lake on one of the best lots in the community, offering sweeping panoramic views of the lake and a peaceful Florida lifestyle.

This 3 bedroom 2 bathroom home blends comfort, style and thoughtful upgrades throughout. Step inside to discover new seamless luxury vinyl plank (LVP) flooring, creating a warm and cohesive feel across the living spaces. Natural light pours in through elegant custom plantation shutters, adding both charm and functionality. The updated kitchen features custom (made in the USA) all wood cabinets, soft close drawers, custom Zellige backsplash. Fantasy Granite countertops, and ample workspace—perfect for everyday living and entertaining alike. The kitchen has an eat in area with a large kitchen window with views of the backyard and lake. The kitchen also has sliders leading to the screened covered lanai and backyard with deck to enjoy the views of the lake. The primary bedroom has views of the lake and the en-suite primary bathroom has designer touches and stylish finishes that elevate the space while maintaining the home’s character(New Vanity, New faucets, Shower has Zellige tile and a designer niche for shampoos. New Interior Designer Painters thru-out-**New Stainless Steel appliances September 2024–
Major updates provide peace of mind, including a **new roof (2020)** and new **AC system (2020)**, along with a new front door installed in 2026, adding to the home's curb appeal.
Outdoor living is where this property truly shines. Enjoy morning coffee on the covered front porch, unwind in the screened, covered lanai or entertain friends on the back deck overlooking the lake. The views of the water and a prime lot location, the backyard offers a serene setting that feels like a private retreat. The firepit is already in place with calm winds palm trees and lake views and glowing sunsets. Whether you're watching the sunset over the lake or enjoying the quiet charm of the neighborhood, this move-in-ready home captures the best of Florida living. Conveniently located only minutes to major roadways, shopping, restaurants and medical facilities.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Year Built: 1998
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,348
  • Acreage: 0.17
  • Est. Taxes: $4,235
  • HOA Fee: $143 Quarterly
  • Lot Desc: In County
  • View: Water
  • Pet Policy: Dogs OK
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator
  • MLS#: TB8485167
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/TB8485167/22841saintthomascircle_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 3/25/2026 12:02:08 PM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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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:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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22841 SAINT THOMAS CIRCLE, Lutz, FL, 33549

$349,900

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 $279,920 $279,920 $279,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.533% 5.900%
Monthly Tax Payment $353 $353 $353
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,678 $1,746 $2,306
Total Monthly Payment $2,106 $2,174 $2,734

* 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.