785 DUQUE ROAD, LUTZ, FL, 33549
Pending165 days on marketListed May 18, 2026MLS #TB8494961
About this home
785 DUQUE ROAD
In the heart of beautiful Lutz, this charming lakefront home sits on approximately a 1-acre parcel on tranquil Tiffany Lake. Spanning 3,258 square feet, this home features 3 bedrooms and 2 bathrooms. The first-floor features 2 bedrooms and 1 bathroom. The kitchen includes a wet bar, stainless steel appliances, plenty of cabinet space and an eat in kitchen area with lots of sunlight. There is also a fireplace in the family room area. The second floor consists of the primary bedroom with its own fireplace, a walk-in closet and the primary bathroom. The bathroom has a whirlpool bathtub and a separate shower. It also has a small balcony with a view of the lake. This home also features a 2-car attached garage. This custom-built house is the home of the original builder.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,504
Sqft
0.97 ac
Lot size
2
Garage
1991
Year built
Two
Levels
$230
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.
$4,325 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,325/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.
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
−1.4%
$/sqft vs UNPLATTED
$230 vs $290
Days on market
165 vs 56 typical
Where $230/sqft sits among the 172 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 33549 — neighborhood snapshot
Population
18,178
Median age
44.7
Median income
$89,343
Median home value
$385,900
Avg household
2.52
Households w/ children
1,874
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)
92 of 172
UNPLATTED have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 785 DUQUE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$692,356
18803 MERRY LANE · same community
3 bd · 2 ba · 2,500 sqft · $277/sqft · 0 DOM
Sold · Jan ’26$750,000
4836 TROYDALE ROAD · same community
4 bd · 2.5 ba · 2,560 sqft · $293/sqft · 167 DOM
Sold · Dec ’25$563,750
16904 TOBACCO ROAD · same community
3 bd · 3 ba · 2,261 sqft · $249/sqft · 105 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 785 DUQUE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 785 DUQUE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
785 DUQUE ROAD FAQs
What would the monthly payment be for 785 DUQUE ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,325/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 785 DUQUE ROAD?+
The most recent tax bill on record (2025) was $3,975. 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 $575,000, this home is listed about 17% above the Lutz median of $493,000. The market section on this page shows how the area is trending.
Which schools are assigned to 785 DUQUE ROAD?+
Maniscalco K-8 School (elementary), Freedom High School (high), Liberty 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
Five things that matter here
01Positioned at the premium end
$575,000 runs 21% above the LUTZ 33549 median — but at 2,504 sqft it's also 17% larger than 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
165 days on market against a Lutz median of 56 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Maniscalco K-8 School, Freedom High School, Liberty Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Maniscalco K-8 School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $655,000, now $575,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FRANK VACANTI REALTY INC · Frank Vacanti. MLS #TB8494961.
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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