CENTURY 21 Edge
$1,299,9004 bd3 ba3,585 sqft$363 /sqft≈$9,035 /mo all-in ↓

428 PINE BLUFF DRIVE, LUTZ, FL, 33549

Active10 days on marketListed Oct 2, 2026MLS #TB8554327

Private poolSingle Family ResidencePINE CREST ESTATES

About this home

428 PINE BLUFF DRIVE

Welcome to this completely remodeled 4-bedroom, 3-bathroom residence with a private office, expansive bonus room, pool, and 3-car garage, beautifully situated on a 1.05-acre lot in the quiet, gated community of Pine Crest Estates. Thoughtfully redesigned with sophisticated finishes and exceptional attention to detail, this home blends timeless elegance with modern comfort. Enter through impressive glass double doors into a welcoming foyer overlooking the grand formal living room, where an elegant coffered ceiling adds architectural dimension and sliding glass doors provide a seamless connection to the pool and outdoor living area. A formal dining room is conveniently located just off the foyer, creating an inviting setting for entertaining. At the heart of the home is a stunning designer kitchen featuring beautifully crafted custom white oak cabinetry that showcases the wood’s natural grain, quartz countertops, and Italian-inspired Forno appliances, including a gas range and French door double oven. A custom built-in hutch with integrated lighting complements the cabinetry while providing an elegant space for both display and storage. The kitchen opens to the spacious family room, highlighted by a gas fireplace and dramatic black tile feature wall. The north wing of the home offers a private office and luxurious primary suite. The oversized primary bedroom features a coffered ceiling, crown molding, two walk-in closets, and private access to the pool. The spa-inspired en suite bath showcases dual vanities with Carrara marble countertops, a freestanding soaking tub, an oversized walk-in shower wrapped in large-format Carrara marble tile, and coordinating marble mosaic flooring with intricate detailing. The south wing features two generously sized guest bedrooms and a beautifully appointed guest bathroom with marble mosaic flooring that continues into the shower for a cohesive custom look. On the west side of the home, an additional guest bedroom is accompanied by a full bathroom that also serves as the pool bath, featuring refined marble stonework for a timeless finish. A large bonus room with sliding doors opening to the pool provides flexible space for entertaining, a media room, game room, or additional living area. Wide-plank white oak flooring flows throughout the home, complemented by upscale chandeliers, statement lighting, plantation shutters, and custom draperies and window treatments. The laundry room is exceptionally equipped with two full-size washers and two full-size dryers. Additional upgrades include a roof replaced in 2021, two HVAC systems installed in 2022, state of the art security cameras, and a 3-car garage with a durable, low-maintenance epoxy-coated floor. Step outside to your private outdoor oasis featuring a screened-in chlorine pool with a salt cell for easy conversion, a spacious covered seating area, and an expansive brick paver deck ideal for relaxing or entertaining. The pool has been completely refinished with PebbleTec and features a new pool heater. Set on more than an acre within the privacy of gated Pine Crest Estates, this beautifully remodeled home offers an exceptional combination of space, craftsmanship, luxury finishes, and indoor-outdoor Florida living.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,585

Sqft

1.05 ac

Lot size

3

Garage

2005

Year built

One

Levels

$363

Per sqft

Private poolFireplacePets allowed

Inside

FlooringMarble · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Coffered Ceiling(s) · High Ceilings · Kitchen/Family Room Combo
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesEast
ExteriorSliding Doors

Community & fees

HOA fee$211/mo
Taxes (2024)$13,954/yr
PetsYes

Utilities & systems

UtilitiesCable Available
WaterWell

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.

$9,035 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,014
PMI (est., until 20% equity)$487
Property tax — 2024 actual bill$1,163
HOA fee — from the listing$211
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,990Loan30-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% · $129,990
Interest rate6.00%
Loan term

Estimated payment

$9,035/mo

Principal & interest$7,014
PMI (est., until 20% equity)$487
Property taxes (actual bill)$1,163
HOA / condo fee$211
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.

List $1.3M
$1.1MedgeAI estimate $1,239,208 · range $1.1M–$1.3M$1.4M

vs edgeAI estimate

+4.9%

$/sqft vs Lutz actives

$363 vs $240

Days on market

10 vs 66 typical

Where $363/sqft sits among the 268 Lutz actives

76
94
49
21
10 · this home
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≈ 23 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 167% above the LUTZ 33549 median. See the full Lutz market guide →

Paper trail

This home's history

Oct 2, 2026Listed at $1,299,900 · 10 days on market since
2005Built · PINE CREST ESTATES

Reality check

What actually sold near 428 PINE BLUFF DRIVE

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

412 PINE BLUFF DRIVESold · Dec ’25

$990,000

412 PINE BLUFF DRIVE · same community

4 bd · 3 ba · 3,578 sqft · $277/sqft · 86 DOM

312 PINE BLUFF DRIVESold · Dec ’25

$960,000

312 PINE BLUFF DRIVE · same community

4 bd · 3 ba · 3,318 sqft · $289/sqft · 36 DOM

313 PINE BLUFF DRIVESold · Jun ’26

$1,055,000

313 PINE BLUFF DRIVE · same community

4 bd · 3 ba · 3,300 sqft · $320/sqft · 23 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.

Kemarie Johnson

Your agent

Kemarie Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 428 PINE BLUFF DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 428 PINE BLUFF DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

428 PINE BLUFF DRIVE FAQs

What would the monthly payment be for 428 PINE BLUFF DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,035/mo — principal and interest, the actual property-tax bill, the $211/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 428 PINE BLUFF DRIVE?+

The association fee works out to $211 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 428 PINE BLUFF DRIVE?+

The most recent tax bill on record (2024) was $13,954. 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 428 PINE BLUFF DRIVE?+

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 $1,299,900, this home is listed about 168% above the Lutz median of $484,999. The market section on this page shows how the area is trending.

Which schools are assigned to 428 PINE BLUFF DRIVE?+

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

01Positioned at the premium end

$1,299,900 runs 167% above the LUTZ 33549 median — but at 3,585 sqft it's also 71% 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.

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 KELLER WILLIAMS TAMPA CENTRAL · William Lolly. MLS #TB8554327.

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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428 PINE BLUFF DRIVE, LUTZ, FL — 4 Bed, 3 Bath — $1,299,900 | CENTURY 21 Edge