2164 VISTA DEL SOL CIRCLE UNIT 523, LUTZ, FL, 33558
Active6 days on marketListed Oct 6, 2026MLS #TB8555236
About this home
2164 VISTA DEL SOL CIRCLE UNIT 523
BIG STYLE, SMART DESIGN, MAJOR 2024/25 UPDATES & A FINANCING OPPORTUNITY! Existing financing may be available to a qualified buyer, subject to note holder approval and applicable terms. A TRANSFERABLE HOME WARRANTY provides additional peace of mind for the next owner. This light and bright 3rd-floor corner studio makes exceptional use of its 392 SF with a strategically placed Murphy bed featuring a powder-coated steel frame and organic cotton queen mattress. When tucked away, the Murphy bed opens up the living area, where a comfortable loveseat and projection system create a flexible space that easily transitions from relaxing and entertaining to sleeping. The updated kitchen features new cabinetry, refrigerator and range, while extensive 2024/25 improvements also include a new A/C system with UV light, new ductwork, new attic insulation, new water heater, interior paint and more. A new RO drinking-water system is installed, plus an optional serviced water-softener system that may remain for a separate monthly fee or be removed. Step outside to the approximately 196-SF screened and covered lanai overlooking the pond—bringing the combined interior and screened-lanai space to approximately 588 SF. Ceiling fans in both the main living area and lanai keep the air moving, while the corner location offers a peaceful setting convenient to both the elevator and stairs. The bathroom features a walk-in shower with glass doors and a calming sea-glass-inspired color palette. Thoughtful improvements throughout give this studio a surprisingly spacious, clean and comfortable feel. Located in the gated, clothing-optional Paradise Lakes community with convenient access to the club by foot or golf cart. Optional membership to Paradise Lakes Resort and its amenities is separate and is not included in the monthly condo association fee. Whether you're looking for a Florida home base, full-time residence or rental opportunity, this updated studio offers flexibility in a compact, easy-to-maintain package—with a financing option that may be difficult to duplicate in today's market. Buyer to verify rental rules, financing terms and eligibility, home warranty transfer terms, measurements, square footage, association requirements and all information important to Buyer. Condo association approval is required and may include application, fee and background check.
Facts & features
The home at a glance
0
Bedrooms
1
Bathrooms
392
Sqft
0 ac
Lot size
1990
Year built
One
Levels
$293
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.
$1,048 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,048/mo
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.
$/sqft vs Lutz actives
$293 vs $240
Days on market
6 vs 66 typical
Where $293/sqft sits among the 267 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 Paradise Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Paradise Lakes — neighborhood snapshot
Population
1,656
Median age
42
Median income
$113,672
Median home value
$435,500
Avg household
3
Households w/ children
341
For the school run
Pasco 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 267
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% below the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 2164 VISTA DEL SOL CIRCLE UNIT 523
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$105,000
1881 MAZO MANOR UNIT I-6
1 bd · 1 ba · 456 sqft · $230/sqft · 253 DOM
Sold · May ’26$95,000
1881 MAZO MANOR UNIT I-2
1 bd · 1 ba · 456 sqft · $208/sqft · 232 DOM
Sold · Apr ’26$100,000
20853 HAULOVER COVE UNIT A13
1 bd · 1 ba · 456 sqft · $219/sqft · 51 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2164 VISTA DEL SOL CIRCLE UNIT 523 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2164 VISTA DEL SOL CIRCLE UNIT 523 — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2164 VISTA DEL SOL CIRCLE UNIT 523 FAQs
What would the monthly payment be for 2164 VISTA DEL SOL CIRCLE UNIT 523?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,048/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 2164 VISTA DEL SOL CIRCLE UNIT 523?+
The most recent tax bill on record (2025) was $1,921. 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 2164 VISTA DEL SOL CIRCLE UNIT 523?+
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 $115,000, this home is listed about 76% below the Lutz median of $484,999. The market section on this page shows how the area is trending.
Which schools are assigned to 2164 VISTA DEL SOL CIRCLE UNIT 523?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LUTZ 33558 market on paper
$115,000 is 71% below the LUTZ 33558 median of $399,900.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a Lutz market that averages 66 — if it fits, move quickly.
04Strong assigned schools
Oakstead Elementary School, Sunlake High School, Charles S. Rushe Middle School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Stephanie Montalvo. MLS #TB8555236.
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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