4230 HARBOR LAKE DRIVE, Lutz, FL, 33558 | $3,200

Updated, stunning home located on a conservation and golf course lot in the gated subdivision of Heritage Harbor! Home boasts a formal living area with the chair railings and Pergo floors, formal dining area with pergo floors and newer lighting fixture, spacious kitchen w/granite countertops, updated, paneled, white cabinets, gooseneck faucet, newer stainless steel refrigerator, microwave and range and pearl nickel fixtures, eat in area w/newer lighting and dual sliders leading to the oversized, screened lanai overlooking the luscious landscaping, wooded lot and golf course, family room with newer ceiling fan w/light kit and plush carpeting, upstairs, vast master bedroom w/newer ceiling fan and walk in closet, master bathroom with tile wood flooring, granite countertops, well faucets, newer lighting, garden tub and separate shower, second and third bedroom with double closets, guest bath with new vanity, granite countertops and new fixtures, immense bonus room or 4th bedroom overlooking the golf course, newer Interior paint, newer roof , newer lavatories and more! The sought after GATED Heritage harbor features a large community pool 40’ water slide, tennis/basketball/volleyball and Bocce Ball/Inline Hockey Rink/Fitness and Full Service Restaurant. Don’t miss this one!

Features

  • Type: Single Family Residence
  • Amenities: Basketball Court, Clubhouse, Fitness Center, Gated, Golf Course, Park, Pool, Recreation Facilities, Tennis Court(s)
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Lot Size: 56 x 132
  • Laundry: Inside, Laundry Closet
  • Year Built: 2000
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,410
  • Acreage: 0.17
  • Lot Size: 56 x 132
  • Lot Desc: Conservation Area, In County, On Golf Course, Sidewalk
  • View: Golf Course, Trees/Woods
  • Elem. School: McKitrick-HB
  • Middle School: Martinez-HB
  • High School: Steinbrenner High School
  • Pet Policy: Pet Deposit
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • Lease Terms: 12 Months
  • MLS#: TB8503672
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8503672/4230harborlakedrive_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 5/24/2026 12:03:19 AM)
Listing courtesy of M3 REAL ESTATE PROFESSIONALS LLC   Phone: 813-601-4752

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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

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4230 HARBOR LAKE DRIVE, Lutz, FL, 33558

$3,200

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 $2,560 $2,560 $2,560
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $16 $16 $21
Total Monthly Payment $91 $91 $96

* 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.