18520 SUNWARD LAKE PLACE, LUTZ, FL, 33549
Active13 days on marketListed Oct 24, 2026MLS #TB8561301
About this home
18520 SUNWARD LAKE PLACE
Nestled in a quiet neighborhood in desirable Lutz, this beautiful 5-bedroom, 3-bathroom home offers a private pool, an expansive backyard, and a thoughtfully designed layout with room for everyone. Step inside to discover soaring ceilings, abundant natural light, fresh neutral tones, and spacious living areas that create an open and inviting atmosphere. The thoughtfully designed floor plan offers multiple living and entertaining spaces, providing the flexibility to accommodate a variety of lifestyles. The kitchen features granite countertops, stainless steel appliances, white cabinetry, and a breakfast bar overlooking the main living area. A living room fireplace adds warmth and character, while large sliding glass doors create a seamless connection between indoor and outdoor living. The generously sized primary suite offers a peaceful retreat with vaulted ceilings, direct access to the pool area, and a spacious en-suite bathroom featuring dual vanities, a soaking tub, separate walk-in shower, and ample storage. Step outside and experience your own private Florida oasis! The screened-in pool and expansive paver patio provide the perfect setting for relaxing weekends, outdoor dining, and entertaining year-round. Beyond the pool enclosure, the oversized, fenced backyard offers an incredible amount of additional outdoor space, with plenty of room for pets, recreation, gardening, and more. Ideally located in Lutz, this home offers the tranquility of an established residential neighborhood while remaining convenient to shopping, dining, parks, and major roadways connecting you to the greater Tampa Bay area.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,754
Sqft
0.37 ac
Lot size
2
Garage
1994
Year built
One
Levels
$245
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.
$5,612 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,612/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.
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
−14.8%
$/sqft vs Lutz actives
$245 vs $242
Days on market
13 vs 56 typical
Where $245/sqft sits among the 260 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
18,178
Median age
44.7
Median income
$89,343
Median home value
$385,900
Avg household
2.52
Households w/ children
1,874
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 260
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18520 SUNWARD LAKE PLACE
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$610,000
18522 SUNWARD LAKE PLACE · same community
3 bd · 2.5 ba · 2,281 sqft · $267/sqft · 98 DOM
Sold · May ’26$232,000
209 PLAZA OVAL · same community
3 bd · 2 ba · 1,646 sqft · $141/sqft · 9 DOM
Sold · Oct ’25$329,900
221 PLAZA OVAL · same community
3 bd · 2 ba · 1,505 sqft · $219/sqft · 4 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 18520 SUNWARD LAKE PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18520 SUNWARD LAKE PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18520 SUNWARD LAKE PLACE FAQs
What would the monthly payment be for 18520 SUNWARD LAKE PLACE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,612/mo — principal and interest, the actual property-tax bill, the $67/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 18520 SUNWARD LAKE PLACE?+
The association fee works out to $67 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18520 SUNWARD LAKE PLACE?+
The most recent tax bill on record (2025) was $10,610. 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 18520 SUNWARD LAKE PLACE?+
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 $675,000, this home is listed about 37% above the Lutz median of $493,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18520 SUNWARD LAKE PLACE?+
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
$675,000 runs 42% above the LUTZ 33549 median — but at 2,754 sqft it's also 29% 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 FIVE STAR REAL ESTATE OF FLORIDA LLC · Isabel Allen. MLS #TB8561301.
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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