CENTURY 21 Edge
$875,0005 bd4.5 ba3,334 sqft$262 /sqft$5,864 /mo all-in ↓

18342 SERENE LAKE LOOP, LUTZ, FL, 33548

Active3 days on marketListed Sep 18, 2026MLS #TB8548693

Private poolSingle Family ResidencePEARL ESTATES

About this home

18342 SERENE LAKE LOOP

Welcome to 18342 Serene Lake Loop, an exceptional 5-bedroom, 4.5-bath residence located within the highly coveted gated community of Pearl Estates. Beautiful stacked-stone detailing enhances the front exterior, adding architectural character and distinctive curb appeal that sets this home apart from many others within the community. From the moment you enter Pearl Estates, the meticulously maintained landscaping, peaceful surroundings and beautiful waterfront setting create an immediate sense of arrival. Sidewalks wind throughout the neighborhood, perfect for evening walks, family strolls or taking your beloved dog for a walk, while the waterfront park provides a tranquil place to relax and enjoy the Florida lifestyle. Step inside this impressive two-story home and you are greeted by a grand foyer, soaring volume ceilings and a light-filled, open and thoughtfully designed split floor plan. The expansive first level was designed with both everyday living and entertaining in mind. An oversized living area flows seamlessly into the spacious kitchen featuring quartz countertops, a large center island, sizable walk-in pantry and abundant workspace and storage. A separate flex space provides the perfect setting for a formal dining room, home office or additional sitting area. The first-floor primary suite offers privacy and comfort with a generous walk-in closet and beautifully appointed en-suite bath featuring dual vanities, a walk-in shower and modern soaking tub. A second bedroom on the first level also features its own en-suite bath and walk-in closet—ideal for guests or multigenerational living. A conveniently located half bath and laundry room complete the first floor. Expansive double-pane, energy-efficient windows and sliding glass doors fill the home with natural light while showcasing views of your private outdoor retreat. Step outside to a custom heated swimming pool and spa featuring a beautiful waterfall feature and convenient smartphone-controlled functions. The impressive over-sized screened enclosure creates an expansive outdoor living environment while helping keep the pool pristine. Custom exterior and pool-area lighting provide beautiful ambiance after sunset, while the peaceful wooded backdrop creates a private setting for relaxing, entertaining and enjoying Florida living year-round. Upstairs, you'll find three additional full-size bedrooms. One offers a private en-suite bath and walk-in closet, while the remaining two bedrooms also feature walk-in closets and share an additional guest bath. The second floor is further enhanced by a HUGE loft/flex space complete with built-in cabinetry and a wine refrigerator—perfect for a media room, game room, entertainment area or additional family room. Additional features include a two-car garage, energy-efficient double-pane windows throughout, hurricane shutters, water softener, rain gutters, newly installed sod, sealed paver driveway and custom exterior lighting. Unlike many newer homes, thoughtful upgrades and improvements have already been completed, including the spectacular custom pool and spa. With its spacious and versatile floor plan, two first-floor bedroom suites, impressive outdoor living space, distinctive stacked-stone exterior and location within one of the area's most desirable gated communities, this Pearl Estates residence offers an exceptional combination of space, comfort, privacy and Florida lifestyle. Welcome home!

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,334

Sqft

0.14 ac

Lot size

2

Garage

2024

Year built

Two

Levels

$262

Per sqft

Private poolGarden & Pool & Trees/Woods viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Refrigerator · Washer · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Coffered Ceiling(s) · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionConcrete · Stucco
FoundationSlab
ViewGarden · Pool · Trees/Woods
FacesEast
ParkingDeeded · Garage Door Opener · Ground Level · Oversized
ExteriorHurricane Shutters · Irrigation System · Lighting · Private Entrance · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$133/mo
Taxes (2025)$6,252/yr
PetsYes
CommunityLake · Water Access · Waterfront · Association Recreation - Owned · Community Mailbox · Deed Restrictions · Gated Community - No Guard · Park · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fire Hydrant · Public · Sewer Connected · Street Lights · Underground Utilities · 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.

$5,864 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property tax — 2025 actual bill$521
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $87,500Loan30-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% · $87,500
Interest rate6.00%
Loan term

Estimated payment

$5,864/mo

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property taxes (actual bill)$521
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.

$/sqft vs Lutz actives

$262 vs $243

Days on market

3 vs 48 typical

Where $262/sqft sits among the 271 Lutz actives

79
75
56 · this home
26
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 25% above the LUTZ 33548 median. See the full Lutz market guide →

Paper trail

This home's history

Sep 18, 2026Listed at $875,000 · 3 days on market since
2024Built · PEARL ESTATES

Reality check

What actually sold near 18342 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.

18242 SERENE LAKE LOOPSold · Aug ’26

$780,000

18242 SERENE LAKE LOOP · same community

5 bd · 4.5 ba · 3,334 sqft · $234/sqft · 69 DOM

18472 SERENE LAKE LOOPSold · Sep ’25

$719,245

18472 SERENE LAKE LOOP · same community

5 bd · 4.5 ba · 3,326 sqft · $216/sqft · 12 DOM

18534 SERENE LAKE LOOPSold · Dec ’25

$747,445

18534 SERENE LAKE LOOP · same community

5 bd · 4.5 ba · 3,326 sqft · $225/sqft · 4 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.

Shawn Lewis

Your agent

Shawn Lewis

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 18342 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 18342 SERENE LAKE LOOP — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

18342 SERENE LAKE LOOP FAQs

What would the monthly payment be for 18342 SERENE LAKE LOOP?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,864/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 18342 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 18342 SERENE LAKE LOOP?+

The most recent tax bill on record (2025) was $6,252. 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 18342 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 $875,000, this home is listed about 84% above the Lutz median of $475,000. The market section on this page shows how the area is trending.

Which schools are assigned to 18342 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

Four things that matter here

01Positioned at the premium end

$875,000 runs 25% above the LUTZ 33548 median — but at 3,334 sqft it's also 59% larger than 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.

03Fresh on the market

Only 3 days on market in a Lutz market that averages 48 — if it fits, move quickly.

04Strong 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 SAND KEY REALTY · John Guyton. MLS #TB8548693.

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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