19202 GARDEN QUILT CIRCLE, LUTZ, FL, 33558
Active26 days on marketListed Sep 16, 2026MLS #TB8549415
About this home
19202 GARDEN QUILT CIRCLE
Welcome home to this beautiful 4-bedroom, 2-bathroom, 2-car garage home located in the desirable Villa Rosa community in Lutz! As you enter, you’ll find a spacious formal living and dining area to the right, featuring stunning flooring throughout the home. The updated eat-in kitchen is sure to impress with wood cabinetry, upgraded stainless-steel appliances, a farmhouse-style sink, decorative lighting, stylish countertops, and a convenient breakfast bar. The spacious family room features large sliding glass doors that fill the home with natural light and lead to a large, paved and screened lanai overlooking the huge fenced backyard. This outdoor space is perfect for relaxing, entertaining, or enjoying the Florida lifestyle. The primary suite also offers its own private entrance to the lanai. The primary bathroom features a large walk-in closet, upgraded vanity, separate garden tub, and stand-alone shower. This desirable split-bedroom floor plan provides privacy, with the three additional bedrooms and second full bathroom located on the opposite side of the family room. The laundry room is conveniently located just off the kitchen. Located close to highly rated public schools and the Suncoast Parkway, in a stunning community, this home offers plenty of space, comfort, and convenience. Small pets are welcome with non-refundable pet fee.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,114
Sqft
0.18 ac
Lot size
2
Garage
1998
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$182 /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
$182/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$1 vs $239
Days on market
26 vs 66 typical
Where $1/sqft sits among the 269 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 33558 — neighborhood snapshot
Population
30,912
Median age
40.4
Median income
$107,427
Median home value
$479,300
Avg household
2.76
Households w/ children
4,377
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 → $512K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
166 of 269
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 19202 GARDEN QUILT CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$545,000
4510 NEW DAWN COURT · same community
3 bd · 2 ba · 2,030 sqft · $268/sqft · 4 DOM
Sold · May ’26$330,000
4510 NEW DAWN COURT · same community
3 bd · 2 ba · 2,030 sqft · $163/sqft · 0 DOM
Sold · Sep ’26$408,000
4508 NEW DAWN COURT · same community
3 bd · 2 ba · 1,734 sqft · $235/sqft · 92 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 19202 GARDEN QUILT CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19202 GARDEN QUILT CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19202 GARDEN QUILT CIRCLE FAQs
What would the monthly payment be for 19202 GARDEN QUILT CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $182/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 19202 GARDEN QUILT CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $3,100, this home is listed about 99% below the Lutz median of $484,999. The market section on this page shows how the area is trending.
Which schools are assigned to 19202 GARDEN QUILT CIRCLE?+
Sunlake High School (high), Charles S. Rushe Middle School (middle), Oakstead Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WEST COAST MANAGEMENT & RLTY · Arnold Helbig. MLS #TB8549415.
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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