22240 WILLOW LAKES DRIVE, LUTZ, FL, 33549
Active13 days on marketListed Sep 9, 2026MLS #TB8545828
About this home
22240 WILLOW LAKES DRIVE
ROOF 2021 !!! HOT WATER TANK 2021 !!! NEW FENCE !!! OVERSIZED .35 ACRE LOT !!! Welcome to 22240 Willow Lakes Dr—a beautifully remodeled home where space, comfort, and Florida living come together. Ideally positioned at the end of a quiet cul-de-sac in desirable Willow Bend, this 4-bedroom, 3-bath residence offers 2,207 finished sq ft, a versatile floor plan, an expansive fenced backyard, and a 3-car garage. Step inside to soaring vaulted ceilings, a welcoming blend of wood and tile flooring, and an open-concept layout designed for both everyday living and entertaining. The formal dining and living areas flow naturally into the heart of the home—the chef’s kitchen, featuring tall white glazed cabinetry with solid-wood cabinet boxes, granite countertops, stainless steel appliances, recessed lighting, a stylish tile backsplash, and a generous breakfast bar. The kitchen overlooks the living room, while the adjacent breakfast area provides a bright, inviting space to enjoy meals with picturesque views of the backyard through double glass doors. The spacious family room is ideal for relaxing or gathering with friends and family, featuring high ceilings, abundant natural light, and a ceiling fan for added comfort. A well-organized laundry area provides plenty of functionality for daily life. The primary suite offers a peaceful retreat with large windows, abundant natural light, and double glass doors opening to the screened lanai. The ensuite bath delivers a spa-like experience with quartz countertops, dual vanities, a walk-in shower, and a garden tub. Two closets, including a walk-in, provide excellent storage. Three additional bedrooms offer flexibility for family, guests, or a home office, while the private rear in-law suite adds even more versatility with its own full bath and spacious walk-in closet. Outdoor living is a true highlight. The large screened-in lanai overlooks an expansive, fully fenced backyard featuring mature oak trees, rose bushes, and established landscaping. With room for pets, play, gardening, a pool, or outdoor entertaining, this exceptional yard provides a rare sense of space and privacy. The 3-car garage offers abundant parking, storage, or workshop potential and includes a Rubbermaid FastTrack wall organization system for keeping tools and equipment neatly stored. Enjoy the peace of a residential neighborhood while remaining close to Wiregrass Mall, Tampa Premium Outlets, I-75, I-275, and the Veterans Expressway/Suncoast Parkway. With restaurants, shopping, and entertainment nearby, plus no CDD and a very low annual HOA, this home offers an exceptional combination of lifestyle and value. Thoughtfully remodeled, remarkably spacious, and ideally located, 22240 Willow Lakes Dr is a home you'll want to experience in person. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,207
Sqft
0.35 ac
Lot size
3
Garage
1998
Year built
One
Levels
$227
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.
$3,939 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,939/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−1.2%
$/sqft vs Lutz actives
$227 vs $243
Days on market
13 vs 48 typical
Where $227/sqft sits among the 266 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)
162 of 266
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 22240 WILLOW LAKES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$535,000
1628 GLEN OAK LANE · same community
4 bd · 2.5 ba · 2,171 sqft · $246/sqft · 2 DOM
Sold · May ’26$567,500
1436 FOX CHAPEL DRIVE · same community
4 bd · 2 ba · 2,252 sqft · $252/sqft · 61 DOM
Sold · May ’26$500,000
1144 PRISTINE PLACE · same community
3 bd · 2 ba · 2,152 sqft · $232/sqft · 20 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22240 WILLOW LAKES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22240 WILLOW LAKES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22240 WILLOW LAKES DRIVE FAQs
What would the monthly payment be for 22240 WILLOW LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,939/mo — principal and interest, the actual property-tax bill, the $59/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 22240 WILLOW LAKES DRIVE?+
The association fee works out to $59 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22240 WILLOW LAKES DRIVE?+
The most recent tax bill on record (2025) was $6,665. 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 22240 WILLOW LAKES 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 $500,000, this home is listed about 5% above the Lutz median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 22240 WILLOW LAKES DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE BAY REALTY · Scott Conklin. MLS #TB8545828.
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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