19264 FISHERMANS BEND DRIVE, LUTZ, FL, 33558
Active12 days on marketListed Oct 26, 2026MLS #O6452980
About this home
19264 FISHERMANS BEND DRIVE
Virtually Staged. Welcome to this spacious two-story home in the Heritage Harbor community! Offering 4 bedrooms, 3 full bathrooms, 1 half bathroom, and 2,980 square feet of living space, this home features a generous floor plan with plenty of room for everyday living and entertaining. The kitchen offers ample space for meal preparation, while multiple living areas provide flexibility for relaxing or gathering with guests. The primary suite offers a private retreat, and the additional bedrooms provide versatile space for a home office or guest accommodations. Step outside to your own private backyard pool, perfect for relaxing, entertaining, and enjoying the Florida sunshine! An attached 2-car garage provides convenient parking and additional storage. Enjoy the community amenities and everything Heritage Harbor has to offer. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,980
Sqft
0.16 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$178
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.
$5,083 /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
$5,083/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
−11.4%
$/sqft vs Lutz actives
$178 vs $243
Days on market
12 vs 56 typical
Where $178/sqft sits among the 260 Lutz 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 Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
LUTZ 33558 — neighborhood snapshot
Population
30,912
Median age
40.4
Median income
$107,427
Median home value
$479,300
Avg household
2.76
Households w/ children
4,377
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)
163 of 260
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 19264 FISHERMANS BEND DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$630,000
4021 FISHERMANS COVE COURT · same community
6 bd · 3 ba · 3,387 sqft · $186/sqft · 15 DOM
Sold · Jun ’26$590,000
19254 FISHERMANS BEND DRIVE · same community
3 bd · 2 ba · 2,053 sqft · $287/sqft · 33 DOM
Sold · Jul ’26$485,000
19036 FISHERMANS BEND DRIVE
4 bd · 3.5 ba · 2,930 sqft · $166/sqft · 26 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 19264 FISHERMANS BEND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19264 FISHERMANS BEND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19264 FISHERMANS BEND DRIVE FAQs
What would the monthly payment be for 19264 FISHERMANS BEND DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $5,083/mo — principal and interest, the actual property-tax bill, the $125/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 19264 FISHERMANS BEND DRIVE?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19264 FISHERMANS BEND DRIVE?+
The most recent tax bill on record (2025) was $11,109. 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 19264 FISHERMANS BEND DRIVE?+
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 $529,900, this home is listed about 7% above the Lutz median of $493,000. The market section on this page shows how the area is trending.
Which schools are assigned to 19264 FISHERMANS BEND DRIVE?+
Schwarzkopf Elementary School (elementary), Steinbrenner High School (high), Martinez 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
01Positioned at the premium end
$529,900 runs 25% above the LUTZ 33558 median — but at 2,980 sqft it's also 39% larger than the typical Lutz listing.
02Strong assigned schools
Schwarzkopf Elementary School, Steinbrenner High School, Martinez Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Schwarzkopf Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $539,900, now $529,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAINSTAY BROKERAGE LLC · Loree Nichols. MLS #O6452980.
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.
Never miss a listing
New Lutz homes, in your inbox
Like 19264 FISHERMANS BEND DRIVE but not quite? A daily digest of every new listing in Lutz — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →