Homes for Sale Between $400,000 to $450,000 in Lutz, FL

LARGE LOT under the oaks in Keystone — no HOA, no CDD, no deed restrictions. Unbeatable value and incredible potential! This property offers the perfect opportunity for a buyer ready to renovate and customize a home to match their own vision, style, and preferences. Offered primarily as a cash sale and priced to reflect its current condition. Qualified buyers seeking financing are encouraged to contact the listing agent for additional information and to determine whether this could be their next renovation project. Schedule your private showing today and explore the possibilities! Set well back from a quiet dead-end stretch of Lakeside Drive behind a gated drive, this 1979 block ranch sits on .38 acres of mature oak, cypress, and Spanish moss in one of northwest Hillsborough's last genuinely unrestricted pockets. Bring the boat, the trailer, the work truck. Nobody's going to send you a letter about it. Inside, 1,676 square feet in a true split layout: three bedrooms, two full baths, and a wood-burning brick fireplace anchored by floor-to-ceiling built-ins. The kitchen has already been opened up and refreshed — butcher block counters, subway tile, stainless appliances, recessed lighting — and flows straight into the dining and family rooms. Tile runs throughout; there is no carpet in the home. A bay window with built-in seat looks out over the front lawn, and a full-width screened lanai spans the back of the house under the shade of a live oak in addition to the attached two-car garage. The home needs cosmetic finishing — interior paint, minor drywall, and updates to taste — and is priced accordingly.

5903 Lakeside Drive, Lutz

$420,000

4 Beds ⋅ 3 Baths ⋅ Tampa Downs Heights SubDv.

A Rare Find in Lutz/Wesley Chapel — Pool Home with NO HOA and NO CDD! This unique pool home offers an exceptional combination of space, updates, privacy, and location — all with NO HOA and NO CDD! With the lowest price per square foot for a pool home in the area, this property presents an opportunity to own a very nice home in a highly desirable part of Lutz and Wesley Chapel while walking into instant equity. Inside, the home features a distinctive open layout with long, flowing spaces and an abundance of natural light. The remodeled kitchen features beautiful gray shaker-style cabinets, quartz countertops, plenty of workspace for cooking and entertaining, and an enormous pantry providing an exceptional amount of storage. Luxury vinyl flooring runs throughout the home, creating a consistent and modern look. One of the home's most distinctive features is the living room, where gorgeous exposed wood beams add warmth and character, while beautiful fireplace serves as the centerpiece of the room, creating a natural gathering space and giving the home a style that is difficult to duplicate. The bathrooms have also been updated with new vanities and modern finishes. The enormous backyard sits on a conservation lot, offering a level of privacy and natural surroundings that is increasingly difficult to find in this area. The pool area includes a large covered space, providing plenty of room to relax, entertain, or simply enjoy the Florida lifestyle while staying out of the sun. The location is another major advantage. Situated just off Wesley Chapel Boulevard, the home is conveniently positioned near restaurants, shopping, schools, and the many amenities throughout the Lutz and Wesley Chapel area. Wesley Chapel Boulevard is currently undergoing improvements, with completion slated for May 2027, bringing additional enhancements to this important local thoroughfare. The home is zoned for A-rated elementary, middle, and high schools, adding another valuable benefit for those looking to be in a highly regarded school area. Homes offering this combination of a pool, large conservation lot, updated interior, unique character, convenient location, NO HOA, and NO CDD are hard to find. Add in the value offered by the price per square foot, and this is an opportunity worth taking a serious look at. This is truly a hidden gem in the Lutz/Wesley Chapel area with the space, features, location, and freedom buyers are looking for — without the HOA or CDD fees and no flood insurance required. Call me to schedule your showing today!

4545 Debbie Lane, Lutz

$450,000

3 Beds ⋅ 3 Baths ⋅ Reflections Ph 1 SubDv.

WAKE UP TO PEACEFUL POND AND CONSERVATION VIEWS in this charming 3-bedroom, 2.5-bath home in the Reflections community! The wrap-around porch is the perfect place to enjoy morning coffee, colorful sunsets, and the natural surroundings. Inside, you’ll find a bright, open living and dining area, a spacious kitchen with stainless steel appliances and a new triple osmosis drinking water system, plus a private office with French doors. Upstairs, the primary suite features beautiful water and conservation views, with two additional bedrooms and a full bath nearby. A rear-entry two-car garage is accessed from the back of the home. Set within the established Reflections community of Lutz, this home offers a peaceful setting surrounded by mature landscaping, scenic ponds and conservation areas all maintained by the HOA. Reflections features tree-lined streets, sidewalks, a community pool and playground, creating an inviting neighborhood atmosphere with plenty of opportunities to enjoy the outdoors. Conveniently located in highly coveted school zone and has easy access to the Veterans Expressway, shopping, dining, medical facilities and the greater Tampa Bay area. Scenic views, low-maintenance living, and a convenient Tampa Bay location make this home one you’ll want to see. Schedule your private showing today and experience the peaceful setting and lifestyle of Reflections! ***Age of A/C - 10yrs, Age of Roof - 2.5yrs

5014 Bridgeway Lane, Lutz

$424,900

3 Beds ⋅ 2 Baths ⋅ Paradise Lakes Individual SubDv.

OWNER FINANCING AVAILABLE for this gorgeous remodeled/updated single-family home in the gated nudist/clothing-optional community of Paradise Lakes. This lovely residence is an entertainer's delight, offering a light and bright open floorplan with 3-bedrooms and 2-full baths. The kitchen features new cabinets, granite counters, stainless appliances, propane gas range, built-in microwave, disposal, dishwasher, undermount sink, and closet pantry. An expansive island has a granite counter, breakfast bar seating, and cabinet storage. Spread out in the spacious living room with stone-face wood-burning fireplace and clerestory windows. A dedicated dining area accommodates a table, chairs, and buffet. The primary bedroom suite has a large walk-in closet, dual sink vanity, walk-in tile-surround shower with glass doors, and linen storage cabinets. Two additional bedrooms (one with an exit door to the lanai) are ideal for guests, office, or flex room. Separate laundry room with full-size washer/dryer on pedestals, folding counter, and upper/lower cabinets. Newer AC dated 2020. Sliding doors from the living room lead to the 312 sq ft covered enclosed lanai with laminate flooring, ceiling fan, window AC, and exit to the rear yard featuring a covered concrete paver patio with plenty of seating. Additional highlights include an above-ground heated spa with waterfall faucet, outdoor shower, outdoor custom kitchen with stainless appliances, 4-burner propane range, grill, and cabinets. Create an inviting atmosphere with the propane outdoor fireplace. Need more storage? An 11’ x 12’ site-built TuffShed and additional plastic storage shed can handle all the extras. This beautiful home has neutral carpet/wood laminate/tile/colors throughout, vaulted tray/coffered ceilings, crown molding, and ceiling fans. The covered carport and driveway provide off-street parking. Appliances and most furnishings/decor included. Buyer is responsible for verifying all information, details and dimensions. Condo association approval of Buyer is required including application, fee, background check, orientation, and membership in a recognized nudist organization. Optional membership to Paradise Lakes Resort is not included in monthly condo association fee.

20952 Little Magens Loop, Lutz

$420,000

3 Beds ⋅ 3 Baths ⋅ Volanti Phase 2 SubDv.

Welcome to this beautiful and inviting townhome in the desirable gated community of Volanti! This spacious home offers 3 bedrooms and 2.5 bathrooms, with all three bedrooms featuring walk-in closets for exceptional storage and convenience. Upstairs, a generous loft provides the perfect flexible space for a game room, entertainment area, home office, or additional living space. The thoughtfully designed layout also includes a spacious laundry room, pantry, convenient under-stair storage, and one of the few townhomes in the community offering a 2-car garage. The small gated community provides an added sense of privacy and tranquility while still being ideally located just minutes from Tampa Premium Outlets, Target, a variety of restaurants, shopping, and highly regarded schools. Townhome living offers the perfect balance of comfort and convenience, with less exterior maintenance so you can spend more time enjoying your home and the surrounding area. Adding even more value, this home presents a unique opportunity for a qualified buyer to assume the existing loan at an attractive 5.625% interest rate, subject to lender approval and loan terms. Come see why this welcoming Volanti townhome is the perfect place to call home!

4116 Cloud Hopper Way, Lutz

$416,000

4 Beds ⋅ 2 Baths ⋅ Oak Grove Ph 01b SubDv.

Virtually Staged. Welcome to Oak Grove – Immaculate One-Owner Home on a Premium Conservation Homesite! Pride of ownership is evident throughout this exceptionally maintained one-owner 4-bedroom, 2-bathroom, 2-car garage home offering 1,691 square feet of living space with durable concrete block construction. Ideally situated on a peaceful conservation homesite near a quiet cul-de-sac in the highly sought-after Oak Grove community of Lutz, Pasco County, this move-in-ready home offers the perfect combination of comfort, quality, and location. Freshly painted inside and out, this beautiful home welcomes you with excellent curb appeal, soaring volume ceilings, abundant natural light, and an open, split-bedroom floor plan designed for both everyday living and entertaining. The spacious primary suite features a private en-suite bathroom, while the fully tiled second bathroom includes a walk-in shower for added convenience and style. The heart of the home is the spacious kitchen featuring an updated stainless-steel refrigerator, natural gas range, ample cabinetry, and a breakfast area overlooking the living spaces—perfect for hosting family and friends. Newer luxury plank vinyl flooring throughout the main living areas adds warmth, beauty, and easy maintenance. Enjoy seamless indoor-outdoor living through the oversized sliding glass doors that open to a screened lanai, overlooking a large backyard with peaceful conservation views. With plenty of room to add your dream swimming pool, this backyard offers endless possibilities for outdoor entertaining and relaxation. This home has been thoughtfully updated with major improvements, including: Roof replaced in 2018 16-SEER Trane air conditioning system (2017) with UV air purification lighting Water heater replaced in 2025 Bedroom windows updated Hurricane-rated garage door Luxury plank vinyl flooring throughout the main living areas Fresh interior and exterior paint The home's natural gas service powers the range, water heater, and high-efficiency HVAC system, providing energy efficiency and lower operating costs. Oak Grove remains one of the area's most desirable communities thanks to its affordability and convenient location. Enjoy the benefits of NO CDD fees, a low HOA fee of only $250/year, and the added peace of mind of being located outside of a flood zone, helping reduce ongoing ownership expenses. Families will appreciate the home's location within the highly regarded Pasco County School District, offering access to quality schools nearby. The community is conveniently located just minutes from State Road 54, Interstate 75, Tampa Premium Outlets, The Shops at Wiregrass, KRATE at The Grove, AdventHealth Wesley Chapel, BayCare Hospital, restaurants, parks, grocery stores, and countless shopping and entertainment destinations. Whether you're searching for your first home, room for a growing family, or a meticulously maintained property with significant upgrades, this exceptional Oak Grove residence offers outstanding value. From its premium conservation homesite and spacious backyard to its extensive updates, low ownership costs, and unbeatable location, this home truly has it all. Don't miss this rare opportunity to own a beautifully maintained one-owner home in one of Lutz's most desirable communities. Schedule your private showing today!

24331 Crosscut Road, Lutz

$449,500

4 Beds ⋅ 3 Baths ⋅ Heritage Harbor Ph 2c SubDv.

Great opportunity to acquire the lowest-priced home currently available (and sold within recent history) in the HIGHLY SOUGHT AFTER GOLF COMMUNITY of Heritage Harbor with its RESORT STYLE AMENITIES. Offering OUTSTANDING VALUE and priced to sell, the home is comfortable enough to MOVE RIGHT IN all the while providing you with the ideal opportunity to make cosmetic updates over time and build INSTANT EQUITY. Im sure you already know that the home is in one of the HIGHEST RATED SCHOOL DISTRICTS in the entire area. Although the square footage may seem a bit low, it FEELS MUCH LARGER with the well thought out great room floor plan. Great for a young growing family with EVERYONE HAVING THEIR OWN BEDROOM while not having to worry about sharing bathrooms (who’s not a fan of that?). Speaking of space, did you see how LARGE THE SCREENED LANAI is? Bring your imagination to fill that huge space. A BRAND NEW ROOF was just installed so no need to worry about that for about 15-20 years. In addition the HOT WATER HEATER WAS REPLACED in January of this year and the A/C SYSTEM WAS REPLACED in 2020. All this plus the home sits just off the GREEN OF THE 3RD HOLE allowing you to be a golf spectator or simply enjoy the privacy of the hedges that surround the rear of the home! Attention buyers! Yes, you. Dont delay! We know you are waiting for interest rates to drop, but the latest news seems to indicate that they are going to rise…so…

19308 Sandy Springs Circle, Lutz

$435,000

4 Beds ⋅ 3 Baths ⋅ Oak Grove Ph 4a SubDv.

Welcome home to this beautifully maintained 4-bedroom, 2.5-bath home nestled on a spacious fenced corner lot in the desirable Oak Grove community. From the moment you step inside, you'll appreciate the bright, open layout, soaring ceilings, elegant crown molding, and decorative wall trim that add timeless character throughout. The well-appointed kitchen offers abundant cabinet and counter space, a breakfast bar, gas range, pantry, and overlooks the main living area—perfect for both everyday living and entertaining. Engineered hardwood and tile flooring throughout means no carpet, creating a clean, low-maintenance living environment. The spacious primary suite serves as a relaxing retreat with dual vanities, a garden soaking tub, separate walk-in shower, and generous walk-in closet. Two additional bedrooms and a full bath provide plenty of room for family, guests, or a home office. Enjoy Florida living year-round from the screened lanai, overlooking the private, fully fenced backyard with ample space for pets, play, or future outdoor additions. A separate laundry room provides extra storage and convenience. Conveniently located just minutes from shopping, dining, schools, Wiregrass, Tampa Premium Outlets, I-75, and major commuter routes, this home combines comfort, style, and an unbeatable location. Don't miss your opportunity to make this Oak Grove gem your own!

24519 Breezy Oak Court, Lutz

$440,000

4 Beds ⋅ 2 Baths ⋅ Lake Heron Ph 06a 06b 07 SubDv.

Welcome to 1821 Lake Heron Dr., Lutz, FL a truly one-of-a-kind waterfront townhome, originally built as the community developer's personal residence and unlike any other unit in Lake Heron! Nestled among mature oak trees on a quiet street at the back of the community, this end-unit villa offers panoramic lake views and over $84,000 in upgrades since 2024, including a full remodel of 2 ½ bathrooms, new porcelain tile and carpet flooring, whole-house painting, modern 5/4 baseboard moulding, new LED lighting, an epoxy garage floor with custom storage cabinets, a whole-home water softener and reverse osmosis system, a new driveway, and new hurricane windows and doors with a transferable warranty. The largest home in the community spanning over 2,200 sq ft across two stories, this 4-bedroom, 2.5-bath home features vaulted ceilings, gleaming wood floors, and lake views from every bedroom. The primary suite offers dual walk-in closets and a spa-like bath with dual sinks, dual showerheads, a built-in bench, and transom window. A central vacuum system and two-car garage add everyday convenience. Unwind on your screened porch with private dock access, perfect for boating, fishing, or sunset views. Maintenance-free Lake Heron offers a clubhouse, pool, spa, tennis and pickleball courts, brick walking paths, and a waterfront gazebo with low HOA, no CDD fees, and no flood insurance required (X zone). AC replaced 2016, roof 2014. Minutes from shopping, dining, and major highways. Schedule your private showing today.

1821 Lake Heron Drive, Lutz

$449,900

4 Beds ⋅ 2 Baths ⋅ Villarosa K SubDv.

Welcome home to this beautifully maintained 4-bedroom, 2-bath residence offering a functional split-bedroom floor plan designed for both comfort and privacy. Filled with abundant natural light, the spacious layout features both a formal living room and a separate family room, providing plenty of space for entertaining, relaxing, or creating a home office or play area. The updated bathrooms add a fresh, modern touch, while the two-car garage offers ample storage and convenience. Step outside to a generously sized backyard with plenty of room for pets, play, gardening, or simply enjoying Florida's beautiful weather. Conveniently located near shopping, dining, schools, and major roadways, this move-in-ready home offers the perfect combination of space, comfort, and everyday functionality. Schedule your private showing today!

19520 Morden Blush Drive, Lutz

$419,000

3 Beds ⋅ 2 Baths ⋅ Oak Grove Ph 03 SubDv.

PRICE UPDATE on 24328 Mistwood Ct, (NO CDD/ HOA $245/annually) a beautifully updated home with over $100k in features and updates in the heart of Lutz offering modern upgrades, exceptional outdoor living, and unbeatable convenience near top-rated schools, major highways, shopping, dining, and local attractions. This property features a 2021 roof, solar panels, rain gutters, white vinyl fencing, and a water softener system, delivering long-term efficiency and peace of mind. Inside, the home showcases scratch-resistant flooring throughout, an updated kitchen with granite countertops, added cabinetry, and custom-built shelving for enhanced storage. Both bathrooms include updated vanities, and the enclosed rear porch that adds 113 sqft to make it total of 1808 sqft under roof and provides a perfect office or flex space for today’s lifestyle needs. Step outside to a large private backyard designed for relaxation and entertainment, complete with a custom pergola, jacuzzi on pavers, and plenty of room to enjoy Florida living at its best. A rare combination of upgrades, location, and outdoor amenities—this Lutz gem is move-in ready and truly stands out.

24328 Mistwood Court, Lutz

$420,000

3 Beds ⋅ 3 Baths ⋅ Lakeshore Preserve SubDv.

Welcome to this beautiful townhome in a gated community of Lake Shore Preserve. Featuring 3 bedrooms, 2.5 bathrooms, 2 car garage, a spacious upstairs bonus room, and 2,307 square feet of thoughtfully designed living space, this townhome sits on a conservation lot. As you walk in you’ll immediately notice the upgrades from wood plank tile floors, high volume ceilings, 42” Cabinets, with Granite Countertops, subway tile back splash, extended kitchen island, newer good quality soft carpet (changed in 2020) and stainless steel appliances. The oversized living room and dining room with accent wall, follows seamlessly into the kitchen for entertaining and offers an abundance of natural light from the sliding doors that lead out to the private screen patio with custom shades, conservation lot and has no back yard neighbors. The second floor offers privacy and space for the entire family, with a split bedroom concept separated by a large loft and a oversized laundry room with a custom cabinets. The Master Bedroom and on suite offers a Frameless shower, double sink vanity and 2 Custom Designed Walk In Closets. The spare bedrooms are both oversized and can double as work from home offices, that share a beautiful bathroom with shower and tub. Lets not forget about the large 2 Car Garage with Custom Epoxy Floors, include Overhead Storage, and Custom Designed Wall Storage. The community includes a beautiful pool with outdoor grills, gated entry, and is centrally located close to the Tampa Airport, Hospitals, Shopping, Restaurants, Tampa, and Bay Area Beaches, and A rated schools from elementary to high school. Neighboring school of choice are Lutz Preparatory School, Sunlake Academy of Math and Science. You can also rent the property after two years of ownership. THIS PROPERTY WONT LAST, SCHEDULE YOUR PRIVATE SHOWING TODAY!

17852 Althea Blue Place, Lutz

Homes for Sale in Lutz, FL Between $400,000 to $450,000

All Lutz, FL Homes for Sale Between $400,000 to $450,000

Joseph Sullivan Real Estate

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