CENTURY 21 Edge
$345,0003 bd2 ba1,368 sqft$252 /sqft≈$2,520 /mo all-in ↓

1920 CHENEY COURT, LUTZ, FL, 33549

Active25 days on marketListed Sep 17, 2026MLS #TB8548557

✦ Priced 29% below the LUTZ 33549 medianPrivate poolSingle Family ResidenceVILLAGE ON THE POND PH I

About this home

1920 CHENEY COURT

SELLER OFFERING CLOSING COST ASSISTANCE WITH AN ACCEPTABLE OFFER! Take advantage of this opportunity to reduce your upfront homebuying expenses. Seller is willing to contribute toward buyer's closing costs with acceptable terms. Ask for details! *Back on Market 10/9/26 due to buyer’s financing falling through. FHA appraisal in hand at $345,000.*TROPICAL LANDSCAPING, SWAYING PALMS AND A QUIET CUL-DE-SAC SETTING create an inviting first impression at this 3-bedroom, 2-bath, 2-car garage home in the established Village on the Pond community of Lutz. Offering 1,368 square feet of living space, this single-story home features a desirable split-bedroom floor plan, tile flooring throughout and a spacious screened lanai overlooking the fenced backyard. MAJOR UPDATES include a ROOF REPLACED IN 2017, A/C IN 2018, WATER HEATER INSTALLED IN 2026, hurricane-rated impact windows and garage door installed in 2020. Curb appeal continues with a lush lawn, tropical landscaping and swaying palms. A sidewalk from the driveway, framed by mature landscaping, leads to the front entry accented by a decorative stained-glass sidelight. Inside, vaulted ceilings enhance the open feel of the living room and dining room combination and complement the home's comfortable Florida design. French doors from the living area open to the expansive screened lanai, creating an easy transition to outdoor living. The kitchen features Formica countertops, a pantry, range, side-by-side refrigerator, dishwasher, microwave, and stainless-steel double sink positioned beneath a window. In the dining area, a built-in glass-front cabinet with a butcher-block buffet-style serving top provides additional storage, workspace and a convenient spot for serving and entertaining. Privately situated in the split-bedroom layout, the primary suite offers tile flooring, a ceiling fan, and generous storage with three closets. The primary bath includes a large vanity, tiled shower and private water closet. Bedrooms two and three also feature tile flooring, ceiling fans and ample closet space. The second bath offers a tub/shower combination, linen storage, a vanity with drawers installed in 2026 and a decorative round stained-glass window. Outdoor living is a highlight of this property. The oversized screened lanai opens to an additional patio slab with a walkway leading to the fenced backyard. A Bestway Steel Pro MAX 14' x 8'2" x 39.5" oval above-ground swimming pool, complete with a wood surround, step-up ladder, and upgraded pump, provides a refreshing spot to enjoy sunny Florida days. A Florida-friendly butterfly garden adds color and character to the outdoor setting. Additional features include an interior laundry room with washer and dryer hookups and a two-car garage with utility sink. Village on the Pond is an established Lutz community with a LOW HOA and NO CDD. Conveniently located near SR 54 with access to I-75, the home is close to shopping, restaurants, schools and everyday services while offering the appeal of an established neighborhood. With its cul-de-sac location, split-bedroom design, expansive screened outdoor living area, fenced backyard and numerous updates already in place, 1920 Cheney Court offers an opportunity to make this Lutz home your own. Schedule your private showing and come see the possibilities!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,368

Sqft

0.13 ac

Lot size

2

Garage

1994

Year built

One

Levels

$252

Per sqft

Private poolPets allowed

Inside

FlooringTile
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingDriveway
ExteriorFrench Doors · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$23/mo
Taxes (2025)$1,835/yr
PetsYes
CommunityDeed Restrictions · None

Utilities & systems

UtilitiesElectricity Connected · Public · 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.

$2,520 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,031
FHA mortgage insurance (est.)$153
Property tax — 2025 actual bill$153
HOA fee — from the listing$23
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,075Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,075
Interest rate6.00%
Loan term

Estimated payment

$2,520/mo

Principal & interest$2,031
FHA mortgage insurance (est.)$153
Property taxes (actual bill)$153
HOA / condo fee$23
Est. insurance$160

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.

List $345K
$313KedgeAI estimate $344,400 · range $326K–$373K$387K

vs edgeAI estimate

+0.2%

$/sqft vs Lutz actives

$252 vs $240

Days on market

25 vs 66 typical

Where $252/sqft sits among the 268 Lutz actives

76
93 · this home
49
21
11
18
$163–209$209–254$254–300$300–346$346–391$391+

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 Tampa≈ 27 min
Tampa Int’l Airport (TPA)≈ 32 min

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

ElementaryManiscalco K-8 School★★★★★
HighFreedom High School★★★★★
MiddleLiberty Middle 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 seller — 3.4 months of inventoryBuyer’s market

$541K → $512K

Lutz median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

165 of 268

Lutz actives have cut their price

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

This home is listed 29% below the LUTZ 33549 median. See the full Lutz market guide →

Paper trail

This home's history

Sep 17, 2026Listed at $345,000 · 25 days on market since
1994Built · VILLAGE ON THE POND PH I

Reality check

What actually sold near 1920 CHENEY COURT

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

1743 LAKE HERON DRIVESold · May ’26

$322,500

1743 LAKE HERON DRIVE

3 bd · 2 ba · 1,371 sqft · $235/sqft · 89 DOM

21451 SNOWY EGRET PLACESold · Dec ’25

$320,000

21451 SNOWY EGRET PLACE

3 bd · 2 ba · 1,371 sqft · $233/sqft · 0 DOM

21515 CURLEW COURTSold · Apr ’26

$380,000

21515 CURLEW COURT

3 bd · 2 ba · 1,374 sqft · $277/sqft · 13 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1920 CHENEY COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1920 CHENEY COURT — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1920 CHENEY COURT FAQs

What would the monthly payment be for 1920 CHENEY COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,520/mo — principal and interest, the actual property-tax bill, the $23/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 1920 CHENEY COURT?+

The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1920 CHENEY COURT?+

The most recent tax bill on record (2025) was $1,835. 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 1920 CHENEY COURT?+

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 $345,000, this home is listed about 29% below the Lutz median of $484,999. The market section on this page shows how the area is trending.

Which schools are assigned to 1920 CHENEY COURT?+

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

01Under the LUTZ 33549 market on paper

$345,000 is 29% below the LUTZ 33549 median of $487,500, and at $252/sqft it sits under the Lutz average of $265.

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.

Listing courtesy of MIHARA & ASSOCIATES INC. · Jennifer Dobbs. MLS #TB8548557.

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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