17403 ESTES ROAD, LUTZ, FL, 33548
Active59 days on marketListed Sep 9, 2026MLS #A4705551
About this home
17403 ESTES ROAD
SELLER OFFERING $10,000 TOWARD BUYER’S CLOSING COSTS OR TO HELP LOWER YOUR MORTGAGE INTEREST RATE WITH ACCEPTABLE OFFER! Welcome to this custom-built 3-bedroom, 2-bath modular home situated on a private, gated 1.02-acre lot in Lutz. Built in 2010, the home offers 1,920 sq ft of living space with a split-bedroom floor plan, oversized 3-car garage, screened patio, and expansive fenced yard surrounded by mature oak, palm, and avocado trees. The spacious kitchen features 42-inch cabinetry, granite countertops, stainless steel appliances, breakfast bar, and ample storage. The primary suite includes a walk-in closet, dual-sink granite vanity, Jacuzzi soaking tub, and separate tiled shower. Major improvements include a new roof (2023), impact Low-E windows (2019), and updated water filtration, well pump, and pressure tank (2024). With NO HOA and NO deed restrictions, there is plenty of space for RV/boat parking, a future pool, or additional outdoor amenities. Just half a block from picking your own strawberries at Weck Farm and located in the Steinbrenner High School district with convenient access to US-41, I-275, I-75, Veterans Expressway, shopping, dining, and everyday conveniences. Zoned ASC-1; property cannot currently be subdivided. Additional corner lot also available for sale, ready to build your new home or multigenerational compound! This property comes with $10,000 to put towards a 3-2-1 or 2-1 buy down through Tabitha Mast at CrossCountry Mortgage, provided the purchase price and all other terms of the contract are agreed upon by all parties.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,920
Sqft
1 ac
Lot size
3
Garage
2010
Year built
One
Levels
$245
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 — not generic estimates.
$3,931 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,931/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−10.4%
$/sqft vs UNPLATTED
$245 vs $290
Days on market
59 vs 59 typical
Where $245/sqft sits among the 173 homes for sale in UNPLATTED
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 Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
LUTZ 33548 — neighborhood snapshot
Population
8,967
Median age
40.3
Median income
$129,857
Median home value
$582,200
Avg household
2.95
Households w/ children
1,225
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$448K → $508K
Lutz median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
91 of 173
UNPLATTED have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 17403 ESTES ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$165,000
4004 AMBER ROAD · same community
3 bd · 2 ba · 1,868 sqft · $88/sqft · 2 DOM
Sold · Mar ’26$686,000
508 N SAINT CLOUD AVENUE · same community
4 bd · 3 ba · 2,010 sqft · $341/sqft · 16 DOM
Sold · Dec ’25$716,000
1704 STREETMAN ACRE LANE · same community
3 bd · 2 ba · 2,089 sqft · $343/sqft · 13 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 17403 ESTES ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17403 ESTES ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
17403 ESTES ROAD FAQs
What would the monthly payment be for 17403 ESTES ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,931/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 17403 ESTES ROAD?+
The most recent tax bill on record (2025) was $4,043. 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 17403 ESTES ROAD?+
The listing reports pets: Yes. 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 Lutz?+
At $469,900, this home is listed about 6% below the Lutz median of $498,950. The market section on this page shows how the area is trending.
Which schools are assigned to 17403 ESTES ROAD?+
Lutz K-8 School (elementary), Steinbrenner High School (high), Buchanan Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LUTZ 33548 market on paper
$469,900 is 30% below the LUTZ 33548 median of $669,950, and at $245/sqft it sits under the Lutz average of $262.
02Strong assigned schools
Lutz K-8 School, Steinbrenner High School, Buchanan Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $475,000, now $469,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SAVVY AVENUE, LLC · Moe Mossa. MLS #A4705551.
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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