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Lutz lakefront 4/3 + office home with NO HOA located in a top-rated school district! Most of this home has been updated from the inside out, including a new roof in 2024, two HVAC systems and duct work in 2023 and 2024, additional electric panel, and new well pump and septic in 2020. In addition, the deck and dock were replaced in 2025, and the pool was renovated and resurfaced (Diamond Brite) along with a new variable speed pump and privacy fence. The exterior was also repainted in 2025. The home sits on Lake Barbara with access to Lake Helen, which is a ski lake. The owners’ suite, with a private screened-in porch with access to the pool deck, features a large bedroom and walk-in closet with a brand new bathroom: double vanity with raised quartz counter and two undermount sinks and a huge shower with a wide niche and two shower heads. The downstairs secondary bedroom has access to a renovated full bath, which features a new vanity, new flooring, tub/shower with tile all the way up the shower wall. The floor plan is bright and open with lots of natural light and lake views from many of the rooms. The formal space can easily accommodate a living and dining area. And the bonus sunroom is a perfect place to read, relax and enjoy the lake views. Flooring throughout the home is upgraded tile and top-of-the-line LVP. New light fixtures include LED recessed lighting. The garage includes an extra 350 sq feet (approximately) of space for a workshop, home gym, storage. The oversized and extended driveway provides plenty of room for additional vehicles including a boat or an RV! Conveniently located minutes from Dale Mabry Highway and the Veterans with access to all major roads, downtown Tampa, St. Pete, the beaches and Tampa International Airport. Driveway is currently under repair and should be completed by 3/15.
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Our Executive Mortgage Banker:
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$799,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $639,200 | $639,200 | $639,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.625% | 6.490% | 5.490% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.695% | 6.649% | 5.764% |
Monthly Tax Payment | $240 | $240 | $240 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,680 | $4,036 | $5,219 |
Total Monthly Payment | $4,012 | $4,368 | $5,551 |
* 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.