19204 GARDEN QUILT CIRCLE, Lutz, FL, 33558 | $430,000

Welcome to Villarosa, one of Northwest Hillsborough County's most sought-after communities, where highly rated schools, beautiful parks, scenic walking trails, and championship golf create a lifestyle families never want to leave. Nestled on a peaceful conservation homesite at the end of a quiet cul-de-sac, this 3-bedroom, 2-bath, 2-car garage home offers something becoming harder and harder to find: the opportunity to make a home truly your own in an exceptional location. The popular split-bedroom floor plan, spacious living areas, and island kitchen provide the perfect foundation for your next chapter. Bring your ideas, add your personal style, and create the home you've always envisioned while enjoying all the benefits of this remarkable neighborhood. The backyard offers a peaceful conservation backdrop where deer are frequent visitors, creating the perfect setting for morning coffee, outdoor entertaining, or relaxing Florida evenings. Golf enthusiasts will appreciate being just minutes from several outstanding courses, including TPC Tampa Bay, Heritage Harbor, and the Eagles. Residents enjoy low HOA fees, NO CDD fees, beautiful community landscaping, picturesque ponds, and convenient access to shopping, dining, hospitals, and the Veteran's Expressway. The roof is approximately three years old, and we're located in an X flood zone which may offer substantial insurance savings. Zoned for highly regarded A+ McKitrick Elementary School, A+ Martinez Middle School, and A+ Steinbrenner High School, this home combines location, lifestyle, and opportunity in one of the area's most desirable communities. Some homes are all about the finishes. This one is all about the possibilities. . . and the location that makes them worth it.

Features

  • Amenities: Park, Trail(s)
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 59 x 116
  • Laundry: Laundry Room
  • Style: Contemporary
  • Year Built: 1997
  • Garage: 2-car
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,718
  • Acreage: 0.16
  • Lot Size: 59 x 116
  • Est. Taxes: $3,009
  • HOA Fee: $244 Quarterly
  • Lot Desc: Cul-De-Sac, In County, Oversized Lot, Sidewalk
  • View: Trees/Woods
  • Water Front: Yes
  • Elem. School: McKitrick-HB
  • Middle School: Martinez-HB
  • High School: Steinbrenner High School
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8519616
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8519616/19204gardenquiltcircle_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 6/24/2026 10:05:47 PM)
Listing courtesy of FUTURE HOME REALTY INC   Phone: 813-855-4982

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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:

  • 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
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19204 GARDEN QUILT CIRCLE, Lutz, FL, 33558

$430,000

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

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $344,000 $344,000 $344,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.615% 5.952%
Monthly Tax Payment $251 $251 $251
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,090 $2,172 $2,857
Total Monthly Payment $2,416 $2,498 $3,183

* 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.