
23218 CYPRESS TRAIL DRIVE, LUTZ, FL, 33549
Active20 days on marketListed Sep 3, 2026MLS #W7888997
About this home
23218 CYPRESS TRAIL DRIVE
Beautifully situated in the highly desirable Reserve at Willow Bend, this exceptional single-story POOL HOME offers a peaceful setting overlooking a conservation preserve, with spacious indoor and outdoor living designed for the Florida lifestyle. POOL and LAWN CARE are INCLUDED in the monthly rent, and the home can be rented furnished, partially furnished, or unfurnished. Inside, the large, open common areas feature cathedral ceilings, plantation shutters, luxury vinyl plank flooring throughout, and oversized sliding glass doors that fill the home with natural light while showcasing the lanai and pool. The updated kitchen includes granite countertops, stainless steel appliances, a breakfast nook, and a wine refrigerator. The oversized primary suite features a luxurious bathroom with a large glass-enclosed rain shower, freestanding soaking tub, dual vanities with granite countertops and lighted mirrors, and a private water closet. Three additional spacious bedrooms provide plenty of room for family, guests, or a home office. The large tiled and screened-in lanai is fully air-conditioned and heated, creating a comfortable year-round extension of the living space. Electric blinds provide privacy and shade, and a convenient half bath serves the lanai and pool area. Outside, enjoy the solar-heated pool and large covered patio overlooking the fenced backyard and conservation preserve. Outdoor surround-sound speakers and generous covered seating space make this an ideal setting for entertaining, outdoor dining, or relaxing by the pool. Additional features include an updated laundry room with washer & dryer and a spacious garage with a finished epoxy floor. Conveniently located just minutes from Wesley Chapel’s extensive shopping, dining, and entertainment options, including Tampa Premium Outlets and Costco, with easy access to I-75 for commuting throughout the Tampa Bay area.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,648
Sqft
0.21 ac
Lot size
2
Garage
1996
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$187 /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
$187/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 WILLOW BEND
$1 vs $234
Days on market
20 vs 48 typical
Where $1/sqft sits among the 6 homes for sale in WILLOW BEND
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
18,816
Median age
44.1
Median income
$85,066
Median home value
$339,400
Avg household
2.58
Households w/ children
2,040
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
$541K → $528K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
2 of 6
WILLOW BEND have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 23218 CYPRESS TRAIL DRIVE
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$660,000
23007 BEECHNUT COURT · same community
3 bd · 2.5 ba · 2,740 sqft · $241/sqft · 110 DOM
Sold · May ’26$595,000
22707 LAURELDALE DRIVE · same community
4 bd · 3 ba · 2,554 sqft · $233/sqft · 18 DOM
Sold · Mar ’26$610,000
1211 PRISTINE PLACE · same community
4 bd · 3 ba · 2,541 sqft · $240/sqft · 18 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 23218 CYPRESS TRAIL DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23218 CYPRESS TRAIL DRIVE — 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
23218 CYPRESS TRAIL DRIVE FAQs
What would the monthly payment be for 23218 CYPRESS TRAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $187/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 23218 CYPRESS TRAIL DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $3,795, this home is listed about 99% below the Lutz median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 23218 CYPRESS TRAIL DRIVE?+
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
01Under the LUTZ 33549 market on paper
$3,795 is 99% below the LUTZ 33549 median of $499,600, and at $1/sqft it sits under the Lutz average of $264.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 LPT REALTY, LLC · Tali Brousard-Shimer. MLS #W7888997.
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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