21019 SUNPOINT WAY UNIT 102, LUTZ, FL, 33558
Active127 days on marketListed Mar 19, 2026MLS #A4686922
About this home
21019 SUNPOINT WAY UNIT 102
Gorgeous, immaculate 3-bedroom, 2-bath condo located in a famous nudist community. Popular hard-to-find ground-floor unit with 2 outdoor covered patios for entertaining, lots of light in the living room, dining room & kitchen. Incredibly large units for this community, and this one even has an extra storage room in the oversized garage, still has room for a golf cart as well.. The kitchen has amazing 44-inch high cabinet doors & drawers with a preparation island in the middle of the kitchen, which makes entertaining such a pleasure. An extra-large granite breakfast bar can accommodate -6 or more bar stools. The grand Family room floor plan makes it easy to entertain guests and is ideal for cocktail parties & holiday celebrations. This home was made for entertaining and has Large sliding glass doors in the living room, master, and 3rd bedroom that exit to covered patios. The Master bedroom suite has 2 walk-in closets and a private bathroom suite. The master bath has an extra-large shower with 2 shower heads, a water closet, a bidet, a double vanity, and a linen closet. 2nd bedroom has a walk-in closet. All bedrooms have ceiling fans & lights. All windows and sliding glass doors have blinds. Bathrooms, kitchen, foyer, and indoor utility have ceramic tile. The foyer has a large walk-in closet for all of your coats and sports wear, also a great place for those clubhouse towels. The master shower has two shower heads, which is so handy and convenient. This home shows very well, almost like a Miami Beach Show Home. The Terraces are situated in a world-famous nudist community. With optional membership in the Paradise Lakes Resort and restaurants, residents can enjoy the extensive amenities of this world-class nudist resort through daily or annual membership passes.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,965
Sqft
0 ac
Lot size
2
Garage
2007
Year built
One
Levels
$216
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.
$4,181 /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
$4,181/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.
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
+60.8%
Days on market
127 vs 35 typical
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 Paradise Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Paradise Lakes — neighborhood snapshot
Population
1,656
Median age
42
Median income
$113,672
Median home value
$435,500
Avg household
3
Households w/ children
341
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
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
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 21019 SUNPOINT WAY UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21019 SUNPOINT WAY UNIT 102 — 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
21019 SUNPOINT WAY UNIT 102 FAQs
What would the monthly payment be for 21019 SUNPOINT WAY UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,181/mo — principal and interest, the actual property-tax bill, the $960/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 21019 SUNPOINT WAY UNIT 102?+
The association fee works out to $960 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21019 SUNPOINT WAY UNIT 102?+
The most recent tax bill on record (2025) was $4,451. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 21019 SUNPOINT WAY UNIT 102?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit, Yes. 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 $425,000, this home is listed about 13% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 21019 SUNPOINT WAY UNIT 102?+
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
Five things that matter here
01Positioned at the premium end
$425,000 runs 14% above the LUTZ 33558 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $960/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
127 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
05Strong 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.
Listing courtesy of LIST WITH 1 REALTY · Mark Borg. MLS #A4686922.
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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