CENTURY 21 Edge
Pending
$1,275,000$1,400,0005 bd3.5 ba4,201 sqft$303 /sqft$8,230 /mo all-in ↓

3812 LITTLE ROAD, LUTZ, FL, 33548

Pending168 days on marketListed Feb 20, 2026MLS #TB8478341

Reduced $125KWaterfrontPrivate poolSingle Family ResidenceCRENSHAW LAKES

About this home

3812 LITTLE ROAD

Gracefully positioned along the water and privately set on over 1.14 acres of picturesque grounds, this exceptional lakefront residence offers 5 bedrooms, 3.5 baths, an oversized three car garage, and a resort-style pool. Surrounded by sprawling pine trees and tranquil views, the setting evokes a sense of serenity and retreat rarely found in residential living. Inside, the home is defined by soaring vaulted ceilings, dramatic architectural lines, and abundant natural light, creating a feeling of openness and warmth. Elegant plantation-style shutters throughout add timeless character and refinement. The gourmet kitchen serves as a stunning focal point, beautifully positioned to capture views of the pool, grounds, and lake beyond. Anchored by a spacious center island and enhanced by custom cabinetry, refined lighting, and a beautifully integrated designer range hood, the space blends function and design effortlessly. Overhead and under-cabinet lighting create a warm ambiance, while the premium appliance package includes a dishwasher, new cooktop stove, built-in oven, refrigerator, microwave, wine fridge, and more. A whole house intercom system enhances convenience and connectivity. The family room offers an inviting gathering space centered around a beautiful wood burning fireplace, creating a warm and intimate atmosphere. The primary suite is a true private retreat with direct access to the pool and outdoor living areas. The primary bath offers a spa like experience, featuring dual vanities, a soothing jacuzzi tub, a walk-in shower with dual shower heads, custom cabinetry, beautiful lighting, and a private water closet. A remarkable custom closet system and dedicated AC further enhance comfort and luxury. The thoughtful layout includes two Jack and Jill bathrooms connecting secondary bedrooms on both levels, along with a convenient half bath downstairs. Each bathroom features a walk-in shower, blending modern design with everyday ease. An upstairs laundry chute adds additional convenience, while a built-in cigar humidor reflects distinctive custom detail. Outdoors, the property transforms into a private resort style escape. A sparkling pool with cascading spa and integrated hot tub, expansive screened pavilion, outdoor kitchen, BBQ area, and custom bar equipped with a five-keg cooler create an entertainer’s paradise. Commercial-grade cooking features, stainless steel prep areas, and an integrated surround sound speaker system elevate the experience. Sweeping lake views and breathtaking sunsets provide a spectacular backdrop. A private boardwalk leads to the owned dock, offering rare and highly sought-after lake access for kayaking, paddleboarding, gentle boating, and quiet reflection. Recent improvements, enhance peace of mind and overall livability. Newer roof, hot water heater, and iron removing water softener system, enhance both comfort and long term peace of mind. This is more than just a home. It is a lifestyle property defined by privacy, atmosphere, and refined lakefront living. Welcome home...

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

4,201

Sqft

1.19 ac

Lot size

3

Garage

1988

Year built

Two

Levels

$303

Per sqft

Private poolWaterfrontFireplacePool & Trees/Woods & Water view

Inside

FlooringCarpet · Laminate · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Washer · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Chute · Laundry Room
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionConcrete · Wood Frame · Wood Siding
FoundationSlab
ViewPool · Trees/Woods · Water
FacesEast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Golf Cart Garage · Oversized · Parking Pad · Workshop in Garage
ExteriorDog Run · French Doors · Garden · Lighting · Outdoor Grill · Outdoor Kitchen · Private Entrance · Private Yard · Storage

Community & fees

Taxes (2025)$8,550/yr
CommunityNone

Utilities & systems

UtilitiesOther
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,230 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property tax — 2025 actual bill$713
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $127,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $127,500
Interest rate6.00%
Loan term

Estimated payment

$8,230/mo

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property taxes (actual bill)$713
Est. insurance$160

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.

List $1.3M
$1.2MedgeAI estimate $1,326,380 · range $1.2M$1.4M$1.4M

vs edgeAI estimate

−3.9%

Days on market

168 vs 43 typical

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

Map of 3812 LITTLE ROAD

Drive times from this address

Downtown Tampa26 min
Tampa Int’l Airport (TPA)30 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lutz. See the full Lutz guide →

LUTZ 33548 — neighborhood snapshot

Population

8,678

Median age

40.7

Median income

$124,548

Median home value

$523,000

Avg household

2.92

Households w/ children

1,094

For the school run

Pasco County School District

ElementaryOakstead Elementary School★★★★
HighSunlake High School★★★★
MiddleCharles S. Rushe Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lutz market

Seller’s marketLeans seller3.4 months of inventoryBuyer’s market

$541K$548K

Lutz median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 81% above the LUTZ 33548 median. See the full Lutz market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,275,000 $125K
Feb 20, 2026Listed at $1,400,000 · 168 days on market since
1988Built · CRENSHAW LAKES

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.

Arlinda Gokyar

Your agent

Arlinda Gokyar

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3812 LITTLE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3812 LITTLE ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3812 LITTLE ROAD FAQs

What would the monthly payment be for 3812 LITTLE ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,230/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 3812 LITTLE ROAD?+

The most recent tax bill on record (2025) was $8,550. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Lutz?+

At $1,275,000, this home is listed about 159% above the Lutz median of $492,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3812 LITTLE 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

$1,275,000 runs 81% above the LUTZ 33548 median — but at 4,201 sqft it's also nearly twice the size of the typical Lutz listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

168 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 $1,400,000, now $1,275,000 — a $125K cut. The full history is in the market section below.

Listing courtesy of BAY NATIONAL REALTY, INC. · Daneel Tatum. MLS #TB8478341.

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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