CENTURY 21 Edge
$525,0004 bd2 ba2,181 sqft$241 /sqft≈$3,986 /mo all-in ↓

19009 FISHERMANS BEND DRIVE, LUTZ, FL, 33558

Active7 days on marketListed Oct 5, 2026MLS #TB8554858

WaterfrontSingle Family ResidenceHERITAGE HARBOR VILLAGE 17

About this home

19009 FISHERMANS BEND DRIVE

Set on a serene pond-view homesite within the highly desirable Heritage Harbor golf community, this newly renovated single-story residence pairs timeless architectural character with modern updates and resort-style living. Offering 4 bedrooms, 2 bathrooms, and 2,181 square feet of heated living space, the home makes a striking first impression, modern lantern-style lighting, refreshed landscaping, and a grand arched entry with a brick-paver front porch and keyless smart lock. Inside, soaring vaulted ceilings, elegant archways, and classic white columns are complemented by fresh interior paint, recessed lighting, and updated luxury vinyl plank flooring throughout the main living areas and bedrooms. Formal living and dining spaces offer an ideal setting for entertaining, while the spacious family room features sliding glass doors to the covered lanai. The updated kitchen showcases crisp white shaker cabinetry, marble-look countertops, stainless steel appliances including a side-by-side refrigerator, a double stainless sink with pull-down faucet, and a pantry closet. The adjacent dinette is accented by a modern gold geometric chandelier. The primary suite offers private lanai access, a walk-in closet, and a sliding barn door that opens to a spa-inspired, fully renovated bath with floor-to-ceiling marble-look porcelain tile, an expansive walk-in shower with frameless glass panel and pebble stone flooring, a freestanding soaking tub, a dual-sink vanity with charcoal shaker cabinetry, a built-in linen tower, brushed nickel fixtures, and a private water closet. Three additional bedrooms feature ceiling fans and generous closets and are served by an updated secondary bath with a dual-sink gray shaker vanity, undermount sinks, and a tub/shower combination with dual handheld showerhead. An interior laundry room adds convenience. Outdoors, the covered lanai with ceiling fan overlooks the tranquil pond, and the fully fenced backyard offers privacy and room to play. An attached 2-car garage and a 2025 roof complete the package. Residents of Heritage Harbor enjoy resort-style amenities including a family pool with waterslide, lap pool, tot pool with splash features, tennis courts, basketball court, sand volleyball, baseball and soccer fields, playground, rollerblade rink, fitness center, clubhouse with restaurant, activity center, and library with internet access, all set alongside the community's scenic golf course. The home is zoned for highly sought-after Steinbrenner High School, Martinez Middle School, and McKitrick Elementary, all A-rated and just minutes away. Ideally located near Lutz Lake Fern Road, the Suncoast Parkway, North Dale Mabry Hwy, SR 54, and I-275, with convenient access to Tampa Premium Outlets, shopping, dining, St. Joseph's North Hospital, and medical offices. Schedule your private showing today.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,181

Sqft

0.13 ac

Lot size

2

Garage

2004

Year built

One

Levels

$241

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway
ExteriorSidewalk · Sliding Doors

Community & fees

HOA fee$125/mo
Taxes (2025)$4,533/yr
PetsYes
CommunityDeed Restrictions · Fitness Center · Golf Carts OK · Golf · Park · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$3,986 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$378
HOA fee — from the listing$125
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$3,986/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$378
HOA / condo fee$125
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $525K
$504KedgeAI estimate $613,031 · range $566K–$631K$657K

vs edgeAI estimate

−14.4%

$/sqft vs Lutz actives

$241 vs $240

Days on market

7 vs 66 typical

Where $241/sqft sits among the 267 Lutz actives

75
93 · this home
49
21
11
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≈ 28 min
Tampa Int’l Airport (TPA)≈ 28 min

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

HighSunlake High School★★★★★
MiddleCharles S. Rushe Middle School★★★★★
ElementaryOakstead Elementary 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 267

Lutz actives have cut their price

Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 31% above the LUTZ 33558 median. See the full Lutz market guide →

Paper trail

This home's history

Oct 5, 2026Listed at $525,000 · 7 days on market since
2004Built · HERITAGE HARBOR VILLAGE 17

Reality check

What actually sold near 19009 FISHERMANS BEND DRIVE

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

19145 CYPRESS GREEN DRIVESold · Mar ’26

$649,999

19145 CYPRESS GREEN DRIVE · same community

3 bd · 2 ba · 2,053 sqft · $317/sqft · 14 DOM

18924 FISHERMANS BEND DRIVESold · Aug ’26

$575,000

18924 FISHERMANS BEND DRIVE · same community

4 bd · 2.5 ba · 2,476 sqft · $232/sqft · 98 DOM

18922 FISHERMANS BEND DRIVESold · Aug ’26

$585,000

18922 FISHERMANS BEND DRIVE · same community

5 bd · 3 ba · 2,505 sqft · $234/sqft · 155 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 19009 FISHERMANS BEND 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 19009 FISHERMANS BEND DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

19009 FISHERMANS BEND DRIVE FAQs

What would the monthly payment be for 19009 FISHERMANS BEND DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,986/mo — principal and interest, the actual property-tax bill, the $125/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 19009 FISHERMANS BEND DRIVE?+

The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 19009 FISHERMANS BEND DRIVE?+

The most recent tax bill on record (2025) was $4,533. 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 19009 FISHERMANS BEND 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 $525,000, this home is listed about 8% above the Lutz median of $484,999. The market section on this page shows how the area is trending.

Which schools are assigned to 19009 FISHERMANS BEND DRIVE?+

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.

The brief

Four things that matter here

01Positioned at the premium end

$525,000 runs 31% above the LUTZ 33558 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 7 days on market in a Lutz market that averages 66 — if it fits, move quickly.

04Strong assigned schools

Sunlake High School, Charles S. Rushe Middle School, Oakstead Elementary School — Sunlake High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of MIHARA & ASSOCIATES INC. · Ryan Zampino. MLS #TB8554858.

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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