CENTURY 21 Edge
$1,289,5003 bd3.5 ba2,830 sqft$456 /sqft$8,224 /mo all-in ↓

303 W CHAPMAN ROAD, LUTZ, FL, 33548

Active1 days on marketListed Aug 27, 2026MLS #TB8538832

WaterfrontSingle Family ResidenceLAKE CHAPMAN SUB 1ST ADD

About this home

303 W CHAPMAN ROAD

Beautiful Lakefront Home on Lake Chapman! Perfectly positioned to capture breathtaking western-facing sunsets, this custom-built residence offers an exceptional setting on one of the area’s desirable ski lakes. From peaceful evenings overlooking the water to days spent boating and enjoying the lake, this home truly embraces the best of Florida lakefront living. Thoughtfully designed to maximize the spectacular water views, the home offers an open and inviting floor plan ideal for both entertaining and everyday living. The impressive exterior features stone accents, stately columns, matching bay windows, split garages, and a beautiful U-shaped paver driveway. Step through the striking wrought-iron and wood-grain entry doors and your attention is immediately drawn to the stunning views of Lake Chapman. The spacious Living Room seamlessly connects the living room and kitchen, creating a wonderful gathering space overlooking the lake. The living room features 11-foot ceilings, crown molding, recessed lighting, an electric fireplace, and a custom wood mantel. The kitchen is equally impressive, highlighted by a custom copper gas range hood, coordinating copper sink, generous center island, and a charming breakfast nook surrounded by bay windows overlooking the backyard and lake. Wood-grain tile flooring throughout the main living areas adds warmth and character while creating the perfect lake house feel. Even the downstairs guest bathroom makes a statement, creatively designed with authentic Napa Valley wine crates, a genuine wine barrel vanity, and a copper sink that beautifully complements the kitchen finishes. The oversized laundry room was thoughtfully designed with lake living in mind, providing plenty of space for towels, linens, and everyday storage. Upstairs you will find three bedrooms, three full bathrooms, a private office, and a spacious loft that serves as a second living area, complete with hardwood flooring and surround sound. The office enjoys beautiful views and a charming barn-style privacy door and could easily become a fourth bedroom with the addition of a closet. The spacious primary suite features double sliding glass doors opening to the upstairs balcony, along with two separate walk-in closets featuring custom built-ins. The ensuite bath offers a jetted soaking tub, walk-in shower with dual shower heads, and separate vanities. Two additional bedrooms each feature walk-in closets, private ensuite bathrooms, and plantation shutters, providing privacy and comfort for family and guests. The outdoor living space is truly exceptional and designed for year-round entertaining. A granite-topped island with sink and reverse osmosis system anchors the space, while a Big Green Egg and Napoleon gas grill make outdoor cooking effortless. Motorized retractable screens, two outdoor televisions, and ceiling-mounted speakers create the perfect setting for relaxing, entertaining, watching the game, or simply enjoying the lake views. A paver walkway leads to the spa, fire pit, and private dock. The dock features a covered boat lift accommodating up to a 23-foot boat, along with a separate jet ski dock. Every detail of this home has been thoughtfully designed to complement its incredible lakefront setting and to create the ultimate Florida lifestyle.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,830

Sqft

0.16 ac

Lot size

2

Garage

2018

Year built

Two

Levels

$456

Per sqft

WaterfrontFireplaceWater view

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Electric Water Heater · Kitchen Reverse Osmosis System · Range Hood · Refrigerator · Water Filtration System · Water Softener · Whole House R.O. System · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBrick · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesWest
ExteriorBalcony · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$7,472/yr

Utilities & systems

UtilitiesElectricity Connected · Propane · Sprinkler Well
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.

$8,224 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,958
PMI (est., until 20% equity)$484
Property tax — 2025 actual bill$623
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $128,950Loan30-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% · $128,950
Interest rate6.00%
Loan term

Estimated payment

$8,224/mo

Principal & interest$6,958
PMI (est., until 20% equity)$484
Property taxes (actual bill)$623
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.

Where it sits

Inside Lake Magdalene

Drive times from this address

Downtown Tampa16 min
Tampa Int’l Airport (TPA)27 min

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

Get to know Lutz. See the full Lutz guide →

Lake Magdalene — neighborhood snapshot

Population

31,512

Median age

43

Median income

$81,772

Median home value

$334,003

Avg household

2

Households w/ children

3,419

For the school run

Hillsborough County School District

ElementaryLake Magdalene Elementary School★★★★★
HighChamberlain High School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Lutz market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$541K$528K

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 90% above the LUTZ 33548 median. See the full Lutz market guide →

Paper trail

This home's history

Aug 27, 2026Listed at $1,289,500 · 1 days on market since
2018Built · LAKE CHAPMAN SUB 1ST ADD

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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 303 W CHAPMAN 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 303 W CHAPMAN ROAD — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

303 W CHAPMAN ROAD FAQs

What would the monthly payment be for 303 W CHAPMAN ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,224/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 303 W CHAPMAN ROAD?+

The most recent tax bill on record (2025) was $7,472. 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 $1,289,500, this home is listed about 171% above the Lutz median of $475,000. The market section on this page shows how the area is trending.

Which schools are assigned to 303 W CHAPMAN ROAD?+

Lake Magdalene Elementary School (elementary), Chamberlain High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough 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

$1,289,500 runs 90% above the LUTZ 33548 median — but at 2,830 sqft it's also 35% 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.

03Fresh on the market

Only 1 day on market in a Lutz market that averages 48 — if it fits, move quickly.

Listing courtesy of COLDWELL BANKER REALTY · Michelle Fitz- Randolph. MLS #TB8538832.

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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