18410 STERLING SILVER CIRCLE, LUTZ, FL, 33549
Active19 days on marketListed Oct 19, 2026MLS #W7890337
About this home
18410 STERLING SILVER CIRCLE
Welcome to this charming, updated 3-bedroom, 2.5-bathroom home in the highly desirable Lutz area with no CDD or HOA.. Featuring a comfortable open-concept layout and a kitchen with sleek quartz countertops, this home blends comfort with contemporary style. Luxury vinyl flooring flows seamlessly through the family room, kitchen, and dining area. The spacious primary suite offers a generous walk-in closet and a private balcony overlooking the beautiful backyard and sparkling pool. Newly replaced insulation, new impact windows, and French and sliding doors add energy efficiency and peace of mind for years to come. Step outside to a spacious backyard, an inviting pool, and a covered back porch, perfect for morning coffee or afternoon relaxation surrounded by serene natural views. Just minutes from major roads, this home offers the ideal balance of tranquility and convenience in a prime location. Move-in ready, this gem won't last long. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,950
Sqft
0.36 ac
Lot size
1978
Year built
Two
Levels
$282
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 — not generic estimates.
$4,764 /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
$4,764/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
+16.6%
$/sqft vs Lutz actives
$282 vs $242
Days on market
19 vs 56 typical
Where $282/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 Windmere
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Windmere — neighborhood snapshot
Population
585
Median age
35
Median income
$91,442
Median home value
$358,400
Avg household
3
Households w/ children
87%
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 16% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18410 STERLING SILVER CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$329,900
18425 SWAN LAKE DRIVE · same community
4 bd · 2 ba · 1,820 sqft · $181/sqft · 54 DOM
Sold · Nov ’25$430,000
18408 HANNA ROAD
4 bd · 2 ba · 1,966 sqft · $219/sqft · 13 DOM
Sold · Jul ’26$520,000
1226 DEBUEL ROAD
3 bd · 2 ba · 1,968 sqft · $264/sqft · 313 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 18410 STERLING SILVER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18410 STERLING SILVER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18410 STERLING SILVER CIRCLE FAQs
What would the monthly payment be for 18410 STERLING SILVER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,764/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 18410 STERLING SILVER CIRCLE?+
The most recent tax bill on record (2024) was $7,012. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $549,999, this home is listed about 12% above the Lutz median of $493,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18410 STERLING SILVER CIRCLE?+
Lutz 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
$549,999 runs 16% above the LUTZ 33549 median.
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
Lutz K-8 School, Freedom High School, Liberty Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EQUITY PARTNERS REAL EST LLC · MATT Bullwinkel. MLS #W7890337.
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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