
18923 FISHERMANS BEND DRIVE, LUTZ, FL, 33558
Pending33 days on marketListed Jul 10, 2026MLS #TB8527333
About this home
18923 FISHERMANS BEND DRIVE
Discover exceptional pond-front living in the GATED golf course community of Heritage Harbor! This beautifully maintained 6-bedroom, 3-bath home offers 3,029 square feet of thoughtfully designed living space, where tranquil pond and wooded conservation views create a private backdrop for everyday living. Framed by a graceful arched entry and shaded beneath mature oak trees, this impressive two-story residence, built in 2004, makes a striking first impression. Step through the leaded-glass front door into a soaring foyer, where a dramatic arched transom window fills the space with abundant natural light. A Kitchen Designed for Gathering! The beautifully updated kitchen is the heart of the home, showcasing contemporary two-tone cabinetry, gleaming granite countertops, a striking designer mosaic tile backsplash, stainless steel appliances, stylish pendant lighting, and a spacious center island with additional storage. A breakfast bar invites casual dining, while the rare convenience of two pantry closets provides exceptional storage. The oversized pass-through overlooks the family room, creating an inviting open-concept feel, and the sunny café with bay windows overlooks the screened lanai and peaceful backyard. Elegant Living with Space for Everyone! A formal living room highlighted by an elegant bay window welcomes guests just off the foyer, while the adjacent formal dining room provides the perfect setting for holiday gatherings and dinner parties. Durable ceramic tile flooring flows throughout the foyer, dining room, kitchen, and café, while the family room features warm laminate flooring. Plush carpeting, replaced in 2022, adds comfort throughout all bedrooms. A first-floor bedroom with an adjacent full bath offers exceptional flexibility for guests, multigenerational living, or a private home office. Upstairs, the spacious primary suite features bay windows, a relaxing sitting area, and a well-appointed ensuite bath with an oversized dual-sink vanity, dedicated makeup area, soaking garden tub, separate glass-enclosed shower, and private water closet. Four additional secondary bedrooms and a conveniently located laundry room complete the second floor. Rich wood railings accent the elegant staircase connecting both levels. Outdoor Living at Its Finest Relax year-round on the screened lanai overlooking tranquil pond and wooded conservation views. Beyond the charming white picket fence, the natural setting provides beauty, privacy, and a peaceful place to unwind. Major updates include a new roof(2020), water heater(2022), refrigerator(2022), both HVAC systems(2023), range(2025), washer and dryer(2025), and upstairs carpeting(2022). Resort-Style Community Amenities: Heritage Harbor offers an outstanding collection of amenities, including a resort-style family pool with waterslide, lap pool, tot pool, tennis courts, basketball court, sand volleyball, baseball and soccer fields, playground, rollerblade rink, fitness center, clubhouse with restaurant, activity center, and library with internet access. Conveniently located near Lutz Lake Fern Road, the Suncoast Parkway, North Dale Mabry Hwy, SR 54, and I-275, this home offers easy access to Tampa Premium Outlets, shopping, dining, St. Joseph's North Hospital, and medical offices. Zoned for highly sought-after Steinbrenner High School, Martinez Middle School, and McKitrick Elementary. Don't miss this beautifully updated pond-front home—schedule your private showing today!
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
3,029
Sqft
0.13 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$195
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.
$4,220 /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
$4,220/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
−15.4%
Days on market
33 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 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
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 53% above the LUTZ 33558 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18923 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 18923 FISHERMANS BEND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18923 FISHERMANS BEND DRIVE FAQs
What would the monthly payment be for 18923 FISHERMANS BEND DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,220/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 18923 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 18923 FISHERMANS BEND DRIVE?+
The most recent tax bill on record (2025) was $6,366. 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 18923 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 $589,900, this home is listed about 21% above the Lutz median of $489,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18923 FISHERMANS BEND DRIVE?+
Sunlake High School (high), Charles S. Rushe Middle School (middle), Oakstead Elementary School (elementary) — Pasco 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
$589,900 runs 53% above the LUTZ 33558 median — but at 3,029 sqft it's also 42% 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.
03Strong assigned schools
Sunlake High School, Charles S. Rushe Middle School, Oakstead Elementary School — Sunlake High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of MIHARA & ASSOCIATES INC. · Jennifer Dobbs. MLS #TB8527333.
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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