2305 FORREST CREST CIRCLE, LUTZ, FL, 33549
Active15 days on marketListed Oct 22, 2026MLS #TB8560036
About this home
2305 FORREST CREST CIRCLE
Welcome to this 3-bedroom, 2-bathroom pool home in a quiet Lutz neighborhood! Located in a family-friendly community, this home is just a short distance from USF, restaurants, shopping, and top-rated hospitals. There is no CDD and a HOA of only $50 per year! The primary bedroom features an en-suite bathroom and a sliding glass door overlooking the pool, creating a relaxing retreat right at home. You'll also appreciate the spacious laundry room, which includes the existing washer and dryer for added convenience. There is a wood burning fireplace in the family room. Don't miss this opportunity to own one of the most affordable 3-bedroom homes in Lutz! This home offers a great combination of comfort, convenience, and value. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,352
Sqft
0.16 ac
Lot size
1985
Year built
One
Levels
$277
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.
$3,075 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,075/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+3.9%
$/sqft vs Lutz actives
$277 vs $242
Days on market
15 vs 56 typical
Where $277/sqft sits among the 262 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 University
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
University — neighborhood snapshot
Population
58,274
Median age
32
Median income
$35,659
Median home value
$57,488
Avg household
2
Households w/ children
4,771
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
$448K → $508K
Lutz median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
162 of 262
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 2305 FORREST CREST CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$310,000
2331 TOWERY TRAIL · same community
3 bd · 2 ba · 1,135 sqft · $273/sqft · 6 DOM
Sold · Mar ’26$370,000
2326 FORREST CREST CIRCLE · same community
3 bd · 2 ba · 1,809 sqft · $205/sqft · 150 DOM
Sold · Jun ’26$312,000
1930 GREGORY DRIVE
2 bd · 2 ba · 1,348 sqft · $231/sqft · 101 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 2305 FORREST CREST CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2305 FORREST CREST CIRCLE — 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
2305 FORREST CREST CIRCLE FAQs
What would the monthly payment be for 2305 FORREST CREST CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,075/mo — principal and interest, the actual property-tax bill, the $4/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 2305 FORREST CREST CIRCLE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2305 FORREST CREST CIRCLE?+
The most recent tax bill on record (2025) was $2,044. 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 2305 FORREST CREST CIRCLE?+
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 $375,000, this home is listed about 24% below the Lutz median of $493,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2305 FORREST CREST CIRCLE?+
Mort Elementary School (elementary), Buchanan Middle School (middle), Freedom 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Mitchell Eckley. MLS #TB8560036.
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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