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$450,000

87 1st Avenue

Lutz, FL 33548

Listing updated: July 18, 2026 at 1:35 PM ET

Active

Listing courtesy of Exp Realty Llc · Cindy Greco · MLS #TB8519979 · Active · 888-883-8509

Beds

Baths

1,799

Sq Ft

0.59

Acres

1988

Built

◆Waterfront◆Water access◆Fireplace◆$250/sqft◆360° tour

Single Family Residence

Property type

1988

Year built

25,875 sqft

Lot size

$250

Price / sq ft

No HOA

HOA dues

Days on market

Garage spaces

Flood zone

About this home

Price Imrovement! Welcome to lakefront living in the heart of Lutz! Tucked away at the end of a quiet dead-end street, this charming 3-bedroom, 2.5-bath home sits on a private .59-acre lot overlooking beautiful Lutz Lake. Offering 1,801 square feet of living space, the home features soaring ceilings, a sunken living room with a wood-burning fireplace, an updated kitchen with granite countertops, wood cabinetry, a walk-in pantry, and a spacious loft. The first-floor primary suite includes private access to the screened lanai and an updated ensuite bath with dual vanities, a large tiled shower, and abundant closet space. Upstairs, you'll find two generously sized bedrooms, a full bath, and a versatile loft area. Step outside to enjoy the park-like backyard with direct lake access, perfect for kayaking, canoeing, fishing, or simply relaxing and taking in the views. Recent updates include exterior painting 2025, new water softener system 2025, roof (2019), HVAC (2014), water heater (2014), flooring (2014), French doors (2012), and remodeled bathrooms. Located in the highly sought-after Steinbrenner High School district with no HOA or CDD fees, and convenient access to US-41, I-275, the Suncoast Parkway, shopping, dining, and entertainment. Rarely does a lakefront property in downtown Lutz become available, schedule your private showing today.

Estimated monthly payment

Principal & interest$2,275

Property taxes$264

Home insurance (est.)$206

Down payment

20%

$90,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history31 days on market

Status: Active
Jun 17, 2026
Listed$465,000
Jun 17, 2026
Price reduced$450,000

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 31
Subdivision: West North Tampa
County: Hillsborough
Year built: 1988
Living area: 1,799 sq ft
Price/sq ft: $250
Building area: 2,671 sq ft (Public Records)
Lot size: 25,875 sq ft
Lot category: 1/2 to less than 1
Flood zone: X (12057C0064H)
Garage: 2 spaces
Annual taxes: $3,164 (2025)
Parcel #: U-12-27-18-0JF-000001-00001.0
Zoning: LDC
MLS #: TB8519979

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Interior Details

Bedrooms: 3
Full bathrooms: 2
Half bathrooms: 1
Flooring: Carpet, Ceramic Tile
Appliances: Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Water Softener
Interior features: Ceiling Fans(s), Primary Bedroom Main Floor, Stone Counters, Vaulted Ceiling(s)
Laundry: Electric Dryer Hookup, In Garage, Washer Hookup
Stories / Levels: Two
Direction faces: Southeast
Fireplace: Yes

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Circular Driveway, Driveway, Garage Faces Side

HOA & Financial

Total monthly fees: $0/mo
Total annual fees: $0
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: Private Mailbox
Construction materials: Block, HardiPlank Type, Frame
Roof: Shingle
Foundation: Slab
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Gravel, Paved

Utilities

Sewer: Septic Tank
Water source: Well
Utilities: Electricity Connected

Community

Pets allowed: Cats OK, Dogs OK, Yes

Schools

ElementaryLutz-HBGreatSchools ↗

MiddleBuchanan-HBGreatSchools ↗

High SchoolSteinbrenner High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Bedroom 2	Second	12.4x11.11
Bedroom 3	Second	12.4x11.11
Primary Bedroom	First	12x12.6
Primary Bathroom	First	12.1x12.9
Kitchen	First
Living Room	First	15.8x14.5

Listing Details

Listing date: 2026-06-16
On market date: 2026-06-17
Original list price: $465,000
Occupant type: Owner
MLS area: 33548 - Lutz
Listing AOR: Sarasota - Manatee
Status changed: 2026-06-17
Tax legal description: WEST NORTH TAMPA LOT 1 BLK 1 LESS THAT PT DESCB AS FOLLOWS: BEG AT SE COR LOT 1 RUN N 52 DEG W 182.23 FT ALG SLY LINE OF LOT 1 TO SW COR OF SD LOT 1 THN N 64 DEG E 18.97 FT THN S 47 DEG E 173.41 FT THN S 3 DEG W 1.65 FT TO POB

Flood risk

Minimal riskFEMA Zone XPanel 12057C0064H

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From County Line Rd and US 41. Head south on US 41, turn R onto W Lutz Lake Fern Rd, turn R at the 1st cross street onto 1st St NW. Continue straight onto 1st Ave NW.

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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.

Based on information submitted to the MLS GRID as of July 18, 2026 at 1:35 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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