3440 CRENSHAW LAKE ROAD, LUTZ, FL, 33548
Active0 days on marketListed Aug 13, 2026MLS #TB8524767
About this home
3440 CRENSHAW LAKE ROAD
Welcome to this one-of-a-kind custom-built modern farmhouse offering luxury, sustainability, and privacy on 1.08 beautifully landscaped acres with no HOA or CDD. This 4,561 sq. ft. estate is zoned for A-rated Schwarzkopf Elementary, Martinez Middle, and Steinbrenner High School and was built for durability with all-block construction, spray foam insulation, a metal roof, hurricane impact-rated windows, and high-and-dry elevation that remained unaffected during previous storms. The main home features 3 spacious bedrooms, 2.5 baths, a versatile flex room, a stunning Great Room with vaulted walnut ceilings, tongue-and-groove wood accents, polished concrete floors, and a chef's kitchen complete with premium Miele appliances, Italian wood cabinetry, a coffee bar, and a hidden Butler's Kitchen with a second full set of nearly brand-new appliances. The private primary suite includes an office nook, oversized custom walk-in closet with center island, and a spa-inspired bath. Additional features include a large laundry room, mud room with built-ins, skylights, and wiring for a Synergy smart home system. Outside, enjoy expansive covered patios, a resort-style pool (2025 pool heater), and a detached one-bedroom, one-bath guest house with its own spacious great room, perfect for guests or multigenerational living. The fully fenced property also offers electric and manual gated entry, a circular driveway, attached two-car garage with custom cabinetry, detached one-car garage, a covered breezeway equipped with a tv mount perfect for relaxing, mature fruit trees, newly built chicken coop, a Florida-friendly garden, and private well and septic, creating a truly exceptional modern farmhouse retreat that seamlessly blends luxury, resilience, and sustainable Florida living.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,561
Sqft
1.08 ac
Lot size
3
Garage
2018
Year built
One
Levels
$412
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.
$11,813 /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
$11,813/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
+0.2%
Days on market
0 vs 46 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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$541K → $512K
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 135% above the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3440 CRENSHAW LAKE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3440 CRENSHAW LAKE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3440 CRENSHAW LAKE ROAD FAQs
What would the monthly payment be for 3440 CRENSHAW LAKE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,813/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 3440 CRENSHAW LAKE ROAD?+
The most recent tax bill on record (2025) was $9,715. 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 3440 CRENSHAW LAKE 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 $1,879,000, this home is listed about 287% above the Lutz median of $485,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3440 CRENSHAW LAKE 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
Four things that matter here
01Positioned at the premium end
$1,879,000 runs 135% above the LUTZ 33548 median — but at 4,561 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.
03Fresh on the market
Listed today in a Lutz market that averages 46 — if it fits, move quickly.
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.
Listing courtesy of REALTY ONE GROUP BEYOND · Hannah-lynn Wallace. MLS #TB8524767.
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 3440 CRENSHAW LAKE ROAD 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 Yumiko to ping you on any price or status change →