16839 WHIRLEY ROAD, LUTZ, FL, 33558
Active80 days on marketListed Jul 24, 2026MLS #J1003351
About this home
16839 WHIRLEY ROAD
NEW PRICE for this 2.14- ACRE TURNKEY ESTATE IN LUTZ! NO HOA!!! Experience the perfect combination of luxury, privacy & space in this beautifully reimagined 4,401 sqft residence featuring a resort- style pool, expansive outdoor entertaining areas & equestrian facilities!The main residence features 5 bedrooms and 4 bathrooms( Plus a convenience garage conversion into a bonus room/flex space with a full bath & private entrance, ideal for the in-laws, guests, or a home office). Every detail has been thoughtfully designed, including a chef-inspired kitchen with elegant white quartz countertops, beautifully remodeled bathrooms, designer accent walls, a modern fireplace, white porcelain floors & 3 walk-in closets. Major upgrades include a NEW ROOF & IMPACT windows & doors (2023), two new A/C systems, a new water heater, resurfaced pool with a new pump (2022), and a newly installed $14,000 whole-house water purification and treatment system. Step outside to enjoy a 650+ sqft. covered lanai with a fully equipped outdoor kitchen, resort-style pool, expansive entertainment areas with pergolas, and equestrian facilities with horse stables and chicken coops. Conveniently located just minutes from North Dale Mabry, shopping, dining, and top-rated schools, this one-of-a-kind property offers the perfect blend of luxury, privacy, and convenience. This is a rare opportunity to own a truly unique NON HOA- property with space, style & endless possibilities! Call me to schedule a showing today!
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,401
Sqft
2.14 ac
Lot size
1982
Year built
One
Levels
$250
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.
$7,385 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,385/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs UNPLATTED
$250 vs $301
Days on market
80 vs 66 typical
Where $250/sqft sits among the 164 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.
The numbers that matter
The Lutz market
$541K → $512K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
92 of 164
UNPLATTED have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 127% above the Lutz median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 16839 WHIRLEY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,085,000
12945 MORRIS BRIDGE ROAD · same community
5 bd · 5 ba · 4,571 sqft · $237/sqft · 509 DOM
Sold · Dec ’25$1,450,000
908 PELOTE CEMETERY ROAD · same community
6 bd · 4.5 ba · 3,982 sqft · $364/sqft · 10 DOM
Sold · Dec ’25$970,000
12433 KELSO ROAD · same community
5 bd · 5 ba · 4,983 sqft · $195/sqft · 87 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16839 WHIRLEY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16839 WHIRLEY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16839 WHIRLEY ROAD FAQs
What would the monthly payment be for 16839 WHIRLEY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,385/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 16839 WHIRLEY ROAD?+
The most recent tax bill on record (2025) was $10,587. 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 16839 WHIRLEY 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 $1,099,000, this home is listed about 127% above the Lutz median of $484,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,099,000 runs 127% above the Lutz median — but at 4,401 sqft it's also nearly twice the size of the typical Lutz listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $1,225,000, now $1,099,000 — a $126K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1003351.
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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