10420 LUCAYA DRIVE, TAMPA, FL, 33647
Active48 days on marketListed Aug 26, 2026MLS #A4703986
Come see it
Upcoming open house
Sun, Oct 25
12:00 AM – 2:00 PM
$100 Hoa/year-- no CDD Golf course, pool, tennis court, pickleball court, playground. Great neighborhood
About this home
10420 LUCAYA DRIVE
Virtually Staged. Come take a look at this beautiful remodeled home in the heart of the New Tampa Bay. This home offers 4 huge bedrooms (recently remodeled) , 3 and a half baths, 2 deep car garage (new paints), and caged in pool in the rear. So much updating on this home: New luxury vinyl floorings throughout the home ( carpets removed), new fresh paints throughout the home, new staircases, updated bathrooms (new toilets installed), updated kitchen package, new locks and cameras recently installed, new lightings, and lastly, the roof has 10 year warranty. Very low HOA monthly fees... With each tiring work day... the owner can dip themselves in the pool situated behind the home. Moreover, this home sits on a quiet gated community with so much amenities: Fitness Center, Golf Carts OK, Golf Community, Playground, Pool, Sidewalk, Tennis Court(s). Come and see it for yourself...Motivated Seller. (Buyer and buyer's agent are responsible to check all room dimensions, some pictures have been virtually staged)
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,853
Sqft
0.13 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$181
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,021 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,021/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−14.6%
$/sqft vs Tampa actives
$181 vs $289
Days on market
48 vs 64 typical
Where $181/sqft sits among the 400 Tampa actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Heritage Isles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Heritage Isles — neighborhood snapshot
Population
2,860
Median age
37
Median income
$144,753
Median home value
$437,862
Avg household
3
Households w/ children
483
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
223 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% above the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10420 LUCAYA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$393,000
10427 LUCAYA DRIVE · same community
4 bd · 3.5 ba · 2,930 sqft · $134/sqft · 53 DOM
Sold · Apr ’26$428,500
10426 LUCAYA DRIVE · same community
4 bd · 3 ba · 1,877 sqft · $228/sqft · 14 DOM
Sold · Jun ’26$430,000
10446 LUCAYA DRIVE · same community
4 bd · 3 ba · 1,824 sqft · $236/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10420 LUCAYA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10420 LUCAYA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10420 LUCAYA DRIVE FAQs
What would the monthly payment be for 10420 LUCAYA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,021/mo — principal and interest, the actual property-tax bill, the $8/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10420 LUCAYA DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10420 LUCAYA DRIVE?+
The most recent tax bill on record (2025) was $7,126. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10420 LUCAYA DRIVE?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Tampa?+
At $515,000, this home is listed about 18% above the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10420 LUCAYA DRIVE?+
Heritage Elementary School (elementary), Benito Middle School (middle), Wharton High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$515,000 runs 44% above the TAMPA 33647 median — but at 2,853 sqft it's also nearly twice the size of the typical Tampa listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Heritage Elementary School, Benito Middle School, Wharton High School, Patricia Sullivan Metropolitan Ministries Partnership School — Benito Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $550,000, now $515,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JUPITER PROPERTIES, INC · Alven Nguyen. MLS #A4703986.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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