18829 GERACI ROAD, LUTZ, FL, 33548
Active14 days on marketListed Sep 28, 2026MLS #TB8552612
About this home
18829 GERACI ROAD
Beautiful double entry doors with leaded glass welcome you into this 4,268-square-foot home on Lake Thomas. Lake views grace much of the home, from the bay windows in the primary bedroom to the family room’s expansive sliding glass doors. Coffered ceilings and transom windows add architectural character, while separate formal living and dining rooms have elegant spaces for entertaining. The kitchen is designed for gathering, with an island cooktop, breakfast bar, built-in ovens, wine refrigerator, and generous cabinetry. Nearby are two spacious bedrooms, one with an attached half bath, along with a guest bath featuring a shower and tub combination. The primary bedroom pairs panoramic lake views with crown molding, dual walk-in closets with built-ins, and a bath with dual sinks, a garden tub, and a walk-in shower. A dedicated office completes the main level. Upstairs, a fourth bedroom and full bath sit alongside a large bonus room and an impressive media room. Outside, a spacious covered and screened lanai with brick pavers extends the living space toward the water. A sun deck and covered boat dock with lift complete the setting, making it easy to enjoy everything life on ski-friendly Lake Thomas has to offer. Great location near shopping, dining and highways. Steinbrenner School district!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
4,268
Sqft
0.42 ac
Lot size
3
Garage
2000
Year built
Two
Levels
$351
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.
$9,554 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,554/mo
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.
vs edgeAI estimate
+67.4%
$/sqft vs Lutz actives
$351 vs $240
Days on market
14 vs 66 typical
Where $351/sqft sits among the 268 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 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
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)
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 123% above the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18829 GERACI ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,400,000
18021 WOODLAND VIEW DRIVE
4 bd · 4 ba · 4,247 sqft · $330/sqft · 0 DOM
Sold · Sep ’26$1,350,000
906 LAKE SAPPHIRE LANE
4 bd · 3.5 ba · 4,216 sqft · $320/sqft · 3 DOM
Sold · Jul ’26$1,300,000
3515 LANDS END WAY
4 bd · 4 ba · 4,460 sqft · $291/sqft · 3 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18829 GERACI ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18829 GERACI ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18829 GERACI ROAD FAQs
What would the monthly payment be for 18829 GERACI ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,554/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 18829 GERACI ROAD?+
The most recent tax bill on record (2025) was $8,853. 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 18829 GERACI ROAD?+
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 $1,500,000, this home is listed about 209% above the Lutz median of $484,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18829 GERACI ROAD?+
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
Three things that matter here
01Positioned at the premium end
$1,500,000 runs 123% above the LUTZ 33548 median — but at 4,268 sqft it's also nearly twice the size of the typical Lutz listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Joe Lewkowicz. MLS #TB8552612.
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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