20 2ND AVENUE SE, LUTZ, FL, 33549
Active13 days on marketListed Sep 8, 2026MLS #TB8545766
About this home
20 2ND AVENUE SE
AN EXCEPTIONAL INCOME-PRODUCING AND MULTIGENERATIONAL ESTATE ON APPROXIMATELY 0.86 ACRES IN LUTZ! This fully renovated and FULLY FURNISHED property delivers the kind of flexibility buyers are looking for, with TWO SEPARATE RESIDENCES, 8 BEDROOMS, 7 BATHROOMS, approximately 4,327 SQ. FT. OF HEATED LIVING SPACE, and a PRIVATE SCREENED POOL. Whether used for rental income, extended family, guests, or a private family compound, this property offers multiple ways to live, invest, and enjoy. The MAIN RESIDENCE features 4 bedrooms and 4 beautifully updated bathrooms, while the SECOND RESIDENCE offers 4 bedrooms, 3 bathrooms, and its own PRIVATE DRIVEWAY, giving each home privacy and independence. Both residences have been thoughtfully renovated with spacious living areas, modern flooring, designer lighting, updated bathrooms, and contemporary finishes throughout. HVAC is 2024, that brings peace of mind. The kitchen features shaker-style cabinetry, expansive stone countertops, stainless-steel appliances, matte-black accents, and a large center island. Multiple flex spaces provide room for home offices, media rooms, fitness areas, game rooms, hobby spaces, or additional living areas. Step outside to your own PRIVATE FLORIDA RETREAT with a SCREENED IN-GROUND POOL, expansive paver decking, mature landscaping, generous green space, a BASKETBALL/RECREATIONAL AREA, covered entertaining space, abundant storage, and plenty of room for RV, BOAT, AND ADDITIONAL VEHICLE PARKING. Enjoy the freedom of NO HOA and NO FLOOD INSURANCE REQUIRED, along with the convenience of being approximately 5 MINUTES FROM PUBLIX and 10 MINUTES FROM I-275, with easy access to Downtown Tampa, Tampa International Airport, shopping, dining, medical facilities, entertainment, and major roadways. LIVE IN ONE RESIDENCE AND GENERATE INCOME FROM THE OTHER, CREATE A MULTIGENERATIONAL HOME BASE, OR TAKE ADVANTAGE OF THE SPACE, PRIVACY, AND FLEXIBILITY THIS PROPERTY PROVIDES. FULLY FURNISHED, TURNKEY, AND MOVE-IN READY. NOW IS THE TIME TO BUY—schedule your private showing today!
Facts & features
The home at a glance
8
Bedrooms
7
Bathrooms
4,327
Sqft
0.86 ac
Lot size
1964
Year built
One
Levels
$263
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.
$7,445 /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
$7,445/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.
$/sqft vs Lutz actives
$263 vs $243
Days on market
13 vs 48 typical
Where $263/sqft sits among the 271 Lutz actives
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
18,816
Median age
44.1
Median income
$85,066
Median home value
$339,400
Avg household
2.58
Households w/ children
2,040
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
$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 138% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 20 2ND AVENUE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$543,000
19019 3RD STREET NE · same community
5 bd · 3 ba · 2,956 sqft · $184/sqft · 227 DOM
Sold · Feb ’26$570,000
103 2ND AVENUE NE · same community
4 bd · 3 ba · 2,215 sqft · $257/sqft · 165 DOM
Sold · May ’26$439,900
407 1ST AVENUE NE · same community
3 bd · 2 ba · 1,726 sqft · $255/sqft · 9 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20 2ND AVENUE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 2ND AVENUE SE — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 2ND AVENUE SE FAQs
What would the monthly payment be for 20 2ND AVENUE SE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,445/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 20 2ND AVENUE SE?+
The most recent tax bill on record (2025) was $8,472. 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 20 2ND AVENUE SE?+
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 $1,140,000, this home is listed about 140% above the Lutz median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20 2ND AVENUE SE?+
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
Three things that matter here
01Positioned at the premium end
$1,140,000 runs 138% above the LUTZ 33549 median — but at 4,327 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.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 RE CHAMPIONS · Melissa Vivenzio, PA. MLS #TB8545766.
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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