CENTURY 21 Edge
$3,7954 bd2.5 ba2,648 sqft$1 /sqft$187 /mo all-in ↓

23218 CYPRESS TRAIL DRIVE, LUTZ, FL, 33549

Active20 days on marketListed Sep 3, 2026MLS #W7888997

Priced 99% below the LUTZ 33549 medianWaterfrontPrivate poolSingle Family ResidenceWILLOW BEND

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

Private poolWaterfrontPool viewNegotiable

Inside

AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorHigh Ceilings
LaundryInside · Laundry Room
CoolingCentral Air
HeatingHeat Pump
FurnishedNegotiable

Outside & construction

ViewPool

Community & fees

PetsCats OK, Dogs OK, Number Limit, Size Limit

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%

Principal & interest$22
FHA mortgage insurance (est.)$2
Est. property taxes (1.1%/yr)$3
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $133Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $133
Interest rate6.00%
Loan term

Estimated payment

$187/mo

Principal & interest$22
FHA mortgage insurance (est.)$2
Est. property taxes$3
Est. insurance$160

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

0 · this home
0
0
2
3
1
$1–58$58–114$114–170$170–227$227–283$283+

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

Downtown Tampa28 min
Tampa Int’l Airport (TPA)34 min

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

ElementaryManiscalco K-8 School★★★★
HighFreedom High School★★★★
MiddleLiberty Middle School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lutz market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s 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

Sep 3, 2026Listed at $3,795 · 20 days on market since
1996Built · WILLOW BEND

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.

23007 BEECHNUT COURTSold · Dec ’25

$660,000

23007 BEECHNUT COURT · same community

3 bd · 2.5 ba · 2,740 sqft · $241/sqft · 110 DOM

22707 LAURELDALE DRIVESold · May ’26

$595,000

22707 LAURELDALE DRIVE · same community

4 bd · 3 ba · 2,554 sqft · $233/sqft · 18 DOM

1211 PRISTINE PLACESold · 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 23218 CYPRESS TRAIL DRIVE — start here.

Andrew Acosta

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.

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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