
21019 SUNPOINT WAY UNIT 102, LUTZ, FL, 33558
Active9 days on marketListed Sep 11, 2026MLS #TB8547152
About this home
21019 SUNPOINT WAY UNIT 102
This is the ONLY 1st floor, 3 bedroom, 2 bath, 2 lanai condo with an OVER SIZE 2 car garage and extra large storage room that is for sale in the Terraces at Paradise Lakes - an upscale nudist/clothing optional gated community. The entry foyer leads to a large living room with sliding glass doors that open to a large tiled lanai. Inside, French doors open to a large room that can be an office/den, or a 3rd bedroom (has a closet). The sliding glass doors lead to an additional large, tiled lanai. The guest bedroom and bath are perfect for the occasional guest. The bathroom has 2 doors - 1 from the hallway for guests and 1 that can be locked leading to the 2nd bedroom. The Master Bedroom comes with 2 walk-in closets and sliding glass doors to the lanai. The oversize Master bathroom offers an "L" shaped walk-in tile and glass shower, bidet & toilet privacy room with pocket door, dual sinks and linen closet. The open floor plan offers an oversize kitchen with a large Island and all appliances, including a microwave and garbage disposal new in 2025. There is a large Granite eat at counter that will easily accommodate 6 bar stools. The dining room is located just steps from the kitchen. Both patios can be either screened or fully enclosed for those that want some extra living area. The garage has a large storage room that can also be used as a home office, exercise room or workshop. The garage is so big you can park 2 cars and a golf cart or motorcycle in it. The owners just installed brand new carpet and padding throughout the entire condo. Maintenance free exterior and lawn. (All room dimensions are approximate and should be verified). All residents must be approved with a fee. There are only 13 ground floor 3 bedroom condos with an oversize 2 car garage within the Terraces and they go fast when one comes on the market. Offered at $399,000. Call for your own private tour.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,965
Sqft
0 ac
Lot size
2
Garage
2007
Year built
One
Levels
$203
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.
$3,056 /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
$3,056/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
+57.7%
$/sqft vs Lutz actives
$203 vs $243
Days on market
9 vs 48 typical
Where $203/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 Paradise Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Paradise Lakes — neighborhood snapshot
Population
1,656
Median age
42
Median income
$113,672
Median home value
$435,500
Avg household
3
Households w/ children
341
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 → $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.
Paper trail
This home's history
Reality check
What actually sold near 21019 SUNPOINT WAY UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$310,000
21418 KEATING WAY
3 bd · 2.5 ba · 1,958 sqft · $158/sqft · 14 DOM
Sold · Sep ’25$660,000
1850 DAIQUIRI LANE
3 bd · 2.5 ba · 2,036 sqft · $324/sqft · 14 DOM
Sold · Jul ’26$490,000
2837 MAPLE BROOK LOOP
4 bd · 2 ba · 2,070 sqft · $237/sqft · 22 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 21019 SUNPOINT WAY UNIT 102 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21019 SUNPOINT WAY UNIT 102 — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
21019 SUNPOINT WAY UNIT 102 FAQs
What would the monthly payment be for 21019 SUNPOINT WAY UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,056/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 21019 SUNPOINT WAY UNIT 102?+
The most recent tax bill on record (2025) was $4,452. 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 21019 SUNPOINT WAY UNIT 102?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit, 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 $399,000, this home is listed about 16% below the Lutz median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 21019 SUNPOINT WAY UNIT 102?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SUN N FUN REALTY · Toby Caroline. MLS #TB8547152.
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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