
428 PINE BLUFF DRIVE, LUTZ, FL, 33549
Active10 days on marketListed Oct 2, 2026MLS #TB8554327
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
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 and the real association fee — not generic estimates.
$9,035 /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
$9,035/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
+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
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 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
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 167% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
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.
Sold · Dec ’25$990,000
412 PINE BLUFF DRIVE · same community
4 bd · 3 ba · 3,578 sqft · $277/sqft · 86 DOM
Sold · Dec ’25$960,000
312 PINE BLUFF DRIVE · same community
4 bd · 3 ba · 3,318 sqft · $289/sqft · 36 DOM
Sold · 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.
Your agent
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 428 PINE BLUFF DRIVE — start here.

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.
Keep looking
Similar homes nearby
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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