
18114 SERENE LAKE LOOP, LUTZ, FL, 33548
Active9 days on marketListed Oct 3, 2026MLS #TB8554710
About this home
18114 SERENE LAKE LOOP
This gorgeous home is located in the gated Pearl Estates and currently zoned for Steinbrenner High School, this 2025-built Lennar McGinnis offers the space of a larger home with the fresh finishes and thoughtful upgrades buyers want. With 5 bedrooms, 4.5 baths, 3,273 square feet and a 3-car garage, the flexible floor plan gives everyone room to gather, spread out and feel at home. At the heart of the home, the kitchen, dining and living spaces flow together, creating an inviting place for everything from busy mornings to dinners with friends and weekends at home. The kitchen features quartz countertops, a large center island, upgraded GE dishwasher, 30 cu. ft. Samsung refrigerator and Frigidaire induction cooktop. Recessed lighting in every room and ceiling fans throughout add to the bright, comfortable feel. One of the best parts of this floor plan is how much flexibility it offers. A first-floor bedroom with its own private bath gives guests a comfortable place to stay and also works beautifully for multigenerational living or a private home office. Upstairs, the loft is more than just extra space. Complete with its own bar refrigerator, sink and cabinetry, it creates a true second living and entertaining area. Think movie nights, game days, a playroom or simply another comfortable place to gather without having to head downstairs. The spacious primary suite features a custom built-in closet system, while three additional bedrooms provide plenty of room for family, guests or work-from-home needs. The owners also replaced all of the original carpet upstairs and on the staircase with LVP flooring, creating a clean, cohesive and low-maintenance finish throughout the second level. The thoughtful improvements continue in the laundry room with added built-in cabinetry for everyday organization and storage. Additional conveniences include a UV scrubber on the HVAC system, Ring video doorbell, myQ smart garage access and an EV charger in the 3-car garage. The home also features an irrigation system, and out back, the covered patio offers an easy place for morning coffee, grilling or relaxing at the end of the day. Set within the gated Pearl Estates community in Lutz, the home offers a neighborhood setting while keeping shopping, dining, everyday conveniences and major routes within easy reach. HOA dues also include internet service. With 2025 construction, generous living spaces and meaningful upgrades already completed, this is a home that feels finished from the moment you walk through the door, with plenty of room to make it your own.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,273
Sqft
0.14 ac
Lot size
3
Garage
2025
Year built
Two
Levels
$238
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.
$4,862 /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
$4,862/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
+6%
$/sqft vs Lutz actives
$238 vs $240
Days on market
9 vs 66 typical
Where $238/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 16% above the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18114 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.
Sold · Jan ’26$760,000
18550 SERENE LAKE LOOP · same community
5 bd · 4.5 ba · 3,230 sqft · $235/sqft · 63 DOM
Sold · Oct ’25$709,990
18489 SERENE LAKE LOOP · same community
5 bd · 4.5 ba · 3,230 sqft · $220/sqft · 22 DOM
Sold · Oct ’25$711,435
18105 SERENE LAKE LOOP · same community
5 bd · 4.5 ba · 3,230 sqft · $220/sqft · 0 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 18114 SERENE LAKE LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18114 SERENE LAKE LOOP — 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
18114 SERENE LAKE LOOP FAQs
What would the monthly payment be for 18114 SERENE LAKE LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,862/mo — principal and interest, the actual property-tax bill, the $135/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 18114 SERENE LAKE LOOP?+
The association fee works out to $135 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18114 SERENE LAKE LOOP?+
The most recent tax bill on record (2025) was $858. 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 18114 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 $779,000, this home is listed about 61% above the Lutz median of $484,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18114 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
Three things that matter here
01Positioned at the premium end
$779,000 runs 16% above the LUTZ 33548 median — but at 3,273 sqft it's also 56% larger than the typical Lutz listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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 COMPASS FLORIDA LLC · Karyn Bersch. MLS #TB8554710.
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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