19779 MORSANI ROAD, LUTZ, FL, 33558
Pending137 days on marketListed Mar 25, 2026MLS #W7884160
About this home
19779 MORSANI ROAD
PRICE REDUCED TO $629,900 + RARE 5.125 INTEREST RATE ASSUMABLE MORTGAGE + HOME WARRANTY INCLUDED! The sellers have just reduced the price to $629,900, creating an incredible opportunity to own one of Long Lake Ranch's most desirable floor plans while taking advantage of a rare 5.125 interest rate assumable mortgage (subject to lender approval), a significant advantage compared to today's interest rates. This beautifully maintained 2020 MI Homes Newport Bonus model offers nearly 3,000 square feet of thoughtfully designed living space with 4 bedrooms, 3 full bathrooms, a private office/den, and an oversized upstairs bonus suite complete with its own bedroom and full bath. The flexible layout is ideal for multigenerational living, guests, a private retreat, or a growing family. The open-concept design is perfect for everyday living and entertaining, featuring a spacious kitchen with granite countertops, stainless steel appliances, abundant cabinetry, and a large center island overlooking the main living and dining areas. The owner's suite provides a relaxing escape with dual vanities, a walk-in shower, and a generous walk-in closet. Additional highlights include a dedicated home office, ample storage throughout, and a two-car garage. Step outside to enjoy the covered lanai and private backyard, perfect for relaxing, entertaining, or enjoying Florida's beautiful weather year-round. Additional advantages include being located outside of a flood zone, access to top-rated schools, scenic walking trails, community amenities, convenient access to shopping, dining, and major highways. Purchase at full price and receive a one-year home warranty for added peace of mind. With the recent price reduction to $629,900, the low assumable interest rate, and the home's exceptional condition and location, this is a unique opportunity buyers won't want to miss.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,988
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
Two
Levels
$211
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
+8.3%
Days on market
137 vs 41 typical
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 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
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)
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% above the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19779 MORSANI ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19779 MORSANI ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19779 MORSANI ROAD FAQs
What would the monthly payment be for 19779 MORSANI ROAD?+
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 $11/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 19779 MORSANI ROAD?+
The association fee works out to $11 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19779 MORSANI ROAD?+
The most recent tax bill on record (2025) was $12,674. 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 19779 MORSANI ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $629,900, this home is listed about 29% above the Lutz median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 19779 MORSANI ROAD?+
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
Five things that matter here
01Positioned at the premium end
$629,900 runs 64% above the LUTZ 33558 median — but at 2,988 sqft it's also 42% larger than the typical Lutz listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
137 days on market against a Lutz median of 41 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $665,000, now $629,900 — a $35K cut. The full history is in the market section below.
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Jose' Pabon'. MLS #W7884160.
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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