17425 Varona Pl, Lutz FL 33548, LUTZ, FL, 33548
Active67 days on marketListed Jun 3, 2026MLS #A12030246
About this home
17425 Varona Pl, Lutz FL 33548
Gated community of Ladera, offering over half an acre with pond views and exceptional indoor-outdoor living. This updated home features 4 bedrooms, 4 baths, a dedicated office/den, and a versatile upper-level retreat with a full bath that can serve as a fifth bedroom, media room, game room, or guest retreat. Upon entering, soaring ceilings, abundant natural light, and views of the saltwater pool, spa, and waterfront setting immediately capture your attention. The open-concept floor plan was renovated in 2023 and ideal for everyday living and entertaining. The remodeled kitchen features custom cabinetry, premium countertops, stainless steel appliances, dual gas/electric oven, natural gas cooktop, vent hood, oversized island, and ample seating. The adjoining family room includes built-in surround sound and overlooks the outdoor living area. Recent upgrades include two Daikin HVAC systems (2023) with transferable 12-year warranties, REME HALO air purification systems, tankless natural gas water heater, water softener, remodeled kitchen and baths, new flooring, paint, Polyaspartic garage flooring, and a hard-wired exterior security camera system. Outdoor living is highlighted by a PebbleTec saltwater pool and spa, outdoor kitchen with natural gas grill, granite countertops, and pond views. Located on a quiet cul-de-sac with access to Ladera's park and community dock, minutes from shopping/dining, top-rated schools, and Veterans Expressway.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
4,025
Sqft
3
Garage
2013
Year built
$398
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.
$11,114 /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
$11,114/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.
$/sqft vs Lutz actives
$398 vs $243
Days on market
67 vs 41 typical
Where $398/sqft sits among the 264 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 Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
LUTZ 33548 — neighborhood snapshot
Population
8,678
Median age
40.7
Median income
$124,548
Median home value
$523,000
Avg household
2.92
Households w/ children
1,094
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)
154 of 264
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 129% above the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 17425 Varona Pl
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,610,000
1207 MERRY WATER DRIVE · same community
4 bd · 3.5 ba · 4,101 sqft · $393/sqft · 62 DOM
Sold · Jul ’26$1,700,000
3317 CRENSHAW LAKE ROAD · same community
4 bd · 4 ba · 3,798 sqft · $448/sqft · 9 DOM
Sold · Dec ’25$1,325,000
1403 MERRY WATER DRIVE · same community
5 bd · 3.5 ba · 3,658 sqft · $362/sqft · 16 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 17425 Varona Pl — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17425 Varona Pl — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
17425 Varona Pl FAQs
What would the monthly payment be for 17425 Varona Pl, Lutz FL 33548?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,114/mo — principal and interest, the actual property-tax bill, the $325/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 17425 Varona Pl, Lutz FL 33548?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 17425 Varona Pl, Lutz FL 33548?+
The most recent tax bill on record (2025) was $16,745. 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 $1,599,999, this home is listed about 227% above the Lutz median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 17425 Varona Pl, Lutz FL 33548?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,599,999 runs 129% above the LUTZ 33548 median — but at 4,025 sqft it's also nearly twice the size of the typical Lutz listing.
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
Oakstead Elementary School, Sunlake High School, Charles S. Rushe Middle School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,699,995, now $1,599,999 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Aria Luxe Inc · Anthony Paneque. MLS #A12030246.
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 Miami Association of REALTORS®.
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