CENTURY 21 Edge
$625,0004 bd3 ba2,156 sqft$290 /sqft$4,769 /mo all-in ↓

18286 SERENE LAKE LOOP, LUTZ, FL, 33548

Active11 days on marketListed Sep 10, 2026MLS #TB8545188

Priced 11% below the LUTZ 33548 medianSingle Family ResidencePEARL ESTATES

About this home

18286 SERENE LAKE LOOP

Nearly new, beautifully appointed, and designed for effortless one-story living, this 2024-built Lennar Brindley in Pearl Estates combines modern finishes with a thoughtfully designed floor plan! This 3-bedroom, 3-bath home features 2,156 square feet of living space, a private study/den, and a 2-car garage, with an open-concept design that provides generous gathering spaces along with privacy where it matters. From the moment you arrive, the home makes an inviting first impression with its contemporary Florida architecture, paver driveway, manicured lawn, tropical landscaping, and welcoming covered entry. A fully fenced backyard and peaceful wooded backdrop add to the appeal. Step inside to a bright, beautifully finished interior where architectural details immediately set the tone. The spacious foyer features a tray ceiling, crown molding, stylish lighting, and wood-look tile flooring that flows throughout the main living areas. A private study/den creates an ideal setting for a home office, library, sitting room, or hobby space. The floor plan opens into an impressive kitchen, family room, and dining area designed for today’s lifestyle. High ceilings, crown molding, recessed lighting, contemporary fixtures, and an abundance of windows enhance the open and airy atmosphere. The kitchen is a true showpiece, featuring crisp white cabinetry, quartz countertops, stainless steel appliances, a sleek cooktop with stainless vent hood, built-in wall oven and microwave, decorative backsplash, and abundant prep and storage space. An oversized center island with seating for four anchors the room, complemented by contemporary pendant lighting and warm gold-toned hardware. Open sightlines connect the kitchen to the family room and dining area, creating an ideal setting for everyday living and entertaining. The adjoining family room is spacious and beautifully integrated into the open floor plan, with a tray ceiling, crown molding, contemporary lighting, and plenty of room for comfortable seating. Nearby, the dining area is surrounded by windows and opens directly to the covered patio, bringing natural light and backyard views into the heart of the home. Privately positioned at the rear of the home, the owner’s suite provides a peaceful retreat with a tray ceiling, crown molding, ceiling fan, wood-look tile flooring, and large windows overlooking the backyard. dual-sink vanity with generous cabinetry and counter space, oversized walk-in shower with built-in bench and frameless glass enclosure, private water closet, and walk-in closet. The spacious en-suite bath features a Two additional bedrooms and two additional full baths provide comfortable accommodations for family and guests. A dedicated laundry room with upper cabinetry provides additional storage. Florida living continues outdoors with a covered paver patio overlooking the fully fenced backyard and peaceful wooded backdrop. There’s plenty of room for outdoor seating, grilling, dining, entertaining, pets, or simply relaxing and enjoying the surrounding greenery. Conveniently located near US 41, Dale Mabry Highway, the Veterans Expressway, and I-275, with easy access to Tampa Premium Outlets, The Shops at Wiregrass, dining, recreation, and is zoned for Steinbrenner High School. Enjoy modern construction, stylish finishes, flexible living spaces, and easy single-story living without the wait of building from the ground up. Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,156

Sqft

0.18 ac

Lot size

2

Garage

2024

Year built

One

Levels

$290

Per sqft

Trees/Woods viewPets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Other · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationBlock · Slab
ViewTrees/Woods
FacesNorth
ParkingDriveway
ExteriorOther · Sidewalk · Sliding Doors

Community & fees

HOA fee$133/mo
Taxes (2025)$10,429/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$4,769 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,372
PMI (est., until 20% equity)$234
Property tax — 2025 actual bill$869
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $62,500Loan30-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% · $62,500
Interest rate6.00%
Loan term

Estimated payment

$4,769/mo

Principal & interest$3,372
PMI (est., until 20% equity)$234
Property taxes (actual bill)$869
HOA / condo fee$133
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 $625K
$575KedgeAI estimate $611,964 · range $599K$628K$653K

vs edgeAI estimate

+2.1%

$/sqft vs Lutz actives

$290 vs $243

Days on market

11 vs 48 typical

Where $290/sqft sits among the 271 Lutz actives

79
75
57
25 · this home
10
25
$174–212$212–251$251–290$290–328$328–367$367+

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

Downtown Tampa23 min
Tampa Int’l Airport (TPA)26 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

Hillsborough County School District

MiddleBuchanan Middle School★★★★
ElementaryLutz K-8 School★★★★
HighSteinbrenner 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)

165 of 271

Lutz actives have cut their price

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

This home is listed 11% below the LUTZ 33548 median. See the full Lutz market guide →

Paper trail

This home's history

Sep 10, 2026Listed at $625,000 · 11 days on market since
2024Built · PEARL ESTATES

Reality check

What actually sold near 18286 SERENE LAKE LOOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

18238 PEARL VIEW PLACESold · Jun ’26

$625,000

18238 PEARL VIEW PLACE · same community

3 bd · 3 ba · 2,156 sqft · $290/sqft · 6 DOM

18512 SERENE LAKE LOOPSold · Nov ’25

$609,785

18512 SERENE LAKE LOOP · same community

3 bd · 3 ba · 2,156 sqft · $283/sqft · 5 DOM

18580 SERENE LAKE LOOPSold · Feb ’26

$649,000

18580 SERENE LAKE LOOP · same community

3 bd · 3 ba · 2,156 sqft · $301/sqft · 8 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.

Kemarie Johnson

Your agent

Kemarie Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 18286 SERENE LAKE LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18286 SERENE LAKE LOOP — 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

18286 SERENE LAKE LOOP FAQs

What would the monthly payment be for 18286 SERENE LAKE LOOP?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,769/mo — principal and interest, the actual property-tax bill, the $133/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 18286 SERENE LAKE LOOP?+

The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 18286 SERENE LAKE LOOP?+

The most recent tax bill on record (2025) was $10,429. 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 18286 SERENE LAKE LOOP?+

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 $625,000, this home is listed about 32% above the Lutz median of $475,000. The market section on this page shows how the area is trending.

Which schools are assigned to 18286 SERENE LAKE LOOP?+

Buchanan Middle School (middle), Lutz K-8 School (elementary), Steinbrenner 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

01Under the LUTZ 33548 market on paper

$625,000 is 11% below the LUTZ 33548 median of $699,900.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Buchanan Middle School, Lutz K-8 School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of MIHARA & ASSOCIATES INC. · Jennifer Dobbs. MLS #TB8545188.

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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