121 MYRTLE RIDGE ROAD, LUTZ, FL, 33549
Active288 days on marketListed Oct 23, 2025MLS #TB8441205
About this home
121 MYRTLE RIDGE ROAD
Your LUTZ Oasis awaits! Salt water POOL/SPA home on CONSERVATION. 5 Bed, 3 Bath (5th bedroom can be used as office / flex space). 3,220 SF home on almost .5 acre! Private backyard retreat includes large pergola with swing and pavered fire pit area. Lots of updates - 2024 Roof (10 year warranty), 2024 Water Softener, 2024 LVP flooring, 2024 interior paint, 2025 salt water cell for pool, 2026 Well Tank. One A/C replaced in 2025 (10 year warranty, maintenance contract), other unit inspected and in good condition. Large kitchen with plenty of bar space features stainless steel appliances (2025 refrigerator), natural gas stove, island with power (not pictured), wine cooler, built-in wine rack, recessed and pendant lighting. Single story and no carpet! Granite counters in all bathrooms, double vanities in Master and Guest bathroom. Washer and dryer stay in the laundry room with utility sink. 3-car garage with storage shelves and bonus refrigerator. Pavered porch and entrance way, double entry doors with leaded glass, crown molding, irrigation system, white vinyl fence with two gates, gutters, pool/spa heater, mature oaks and landscaping. Escape the congestion in beautiful Lutz with easy access to I-275, Carrollwood, USF, and more. Full Pier System remediated sinkhole (2016) with lifetime warranty, inspected in 2024 to confirm the work remains sound and there were no new concerns. All reports and warranty attached.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,220
Sqft
0.47 ac
Lot size
3
Garage
2001
Year built
One
Levels
$225
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.
$5,176 /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
$5,176/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.
vs edgeAI estimate
−35.6%
$/sqft vs Lutz actives
$225 vs $243
Days on market
288 vs 43 typical
Where $225/sqft sits among the 261 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 33549 — neighborhood snapshot
Population
18,816
Median age
44.1
Median income
$85,066
Median home value
$339,400
Avg household
2.58
Households w/ children
2,040
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$541K → $548K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
156 of 261
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 121 MYRTLE RIDGE 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$405,000
209 DENNISON ROAD
5 bd · 3 ba · 3,132 sqft · $129/sqft · 13 DOM
Sold · Apr ’26$1,100,000
601 VIENTO DE AVILA
4 bd · 3.5 ba · 3,330 sqft · $330/sqft · 0 DOM
Sold · May ’26$725,000
704 FAYETTE PLACE
4 bd · 3 ba · 3,029 sqft · $239/sqft · 78 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 121 MYRTLE RIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 MYRTLE RIDGE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
121 MYRTLE RIDGE ROAD FAQs
What would the monthly payment be for 121 MYRTLE RIDGE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,176/mo — principal and interest, the actual property-tax bill, the $13/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 121 MYRTLE RIDGE ROAD?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 121 MYRTLE RIDGE ROAD?+
The most recent tax bill on record (2024) was $9,830. 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 121 MYRTLE RIDGE 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 $724,900, this home is listed about 47% above the Lutz median of $492,000. The market section on this page shows how the area is trending.
Which schools are assigned to 121 MYRTLE RIDGE ROAD?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$724,900 runs 51% above the LUTZ 33549 median — but at 3,220 sqft it's also 50% larger than 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.
03Time on market is leverage
288 days on market against a Lutz median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Oakstead Elementary School, Sunlake High School, Charles S. Rushe Middle School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $799,000, now $724,900 — a $74K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Philip Humphrey. MLS #TB8441205.
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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