10415 LUCAYA DRIVE, TAMPA, FL, 33647
Active33 days on marketListed Jul 2, 2026MLS #O6421975
About this home
10415 LUCAYA DRIVE
WANT TO LIVE IN A NICE GATED COMMUNITY BUT NOT TO BE TOO CLOSE TO THE NEXT NEIGHBORS OR TO HAVE HOUSE OR ROAD ON THE BACK OR ON THE MAIN ROAD OF THE COMMUNITY, THIS HOUSE HAS MORE THAN 0.2 ACRE AND ON THE POND; WANT TO LIVE IN A HOUSE THAT HAS MASSIVE BEAUTIFUL STRUCTURES TO STANDOUT OF THE ALMOST SAME ELEVATION OF HOUSES, WANT TO LIVE IN A NICE GATED GOLF COURSE COMMUNITY, BUT NOT TO PAY MORE THAN $100 OR EVEN MORE THAN $200 EVERY MONTH EXTRA AS HOA FEE ON TOP OF YOUR MORTGAGE(COULD SAVE THAT MONEY FOR MORTGAGE); THIS IS IT! ABOUT 3000SF UNDER $500K IN A NICE GOLF AND COUNTRY CLUB GATED COMMUNITY OF NEW TAMPA AREA, ONLY $8.33 EVERY MONTH HOA FEE. BIG LOT OF MORE THAN 0.2 ACRE TO MAKE IT NOT TOO CLOSE TO NEIGHBOR, STUNNING WATERFRONT OF A POND AND CERTAINLY NO HOUSE OR ROAD ON THE BACK. NO CARPET(NOT TO GET DIRTY EASILY AND SMELL), ON A QUITE ROAD (NOT A BUSY OR NOISY MAIN ROAD), AND JUST REMODELED. Home offers many upgrade features, it's truly a lovely home with pond view on a large lot. lots of architecture structures, two big Roman pillars and double door entry, arches and niches. New roof(lifetime material & 5 yr labor warranty transferable), new AC, new floor of handscraped lifetime warranty premium wood laminate made in Germany, microban underlayment, white porcelain tile made in Italy. New paint outside & inside, new set of stainless-steel appliance & pull off faucet, new fans, gorgeous sliding door blinds, 4BR + a study, 3.5BA & 2 car Ga, 1/2 bath downstairs, 3 full bath, all bedrooms & study upstairs. nice open floor plan. living & dining, kitchen, breakfast area & family rm, overlook nice pond view. The large kitchen includes brand new stainless steel smooth top stove, microwave, refrigerator & dishwasher, pantry, 42"cabinets & a convenient built-in desk. on a very big lot and cul-de-sac with a paved entry & tiled foyer, security system at every window, irrigation system, Ceiling fans in every BR & family RM, phone jack is also in every BR & kitchen. Other features include rounded corner, niches, 2 medallions, tray ceiling in master bedroom, double entry door not only make the house look gorgeous but also make the move easily. double doors also for Master Br & Master Ba, mirror is framed in every bathroom, cabinets & tab in laundry rm for convenience, hurricane resistant garage door. Nice gated golf & country club community with lowest HOA fee in New Tampa features golf courses & golf shop, 2 pools & water slide, fitness rm, sauna, library, conference rm, lounge, restaurant & bar, playground, tennis & basketball courts. can close ASAP.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,959
Sqft
0.21 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$155
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.
$3,879 /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
$3,879/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
−13.6%
$/sqft vs Tampa actives
$155 vs $297
Days on market
33 vs 39 typical
Where $155/sqft sits among the 400 Tampa 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 Heritage Isles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Heritage Isles — neighborhood snapshot
Population
2,860
Median age
37
Median income
$144,753
Median home value
$437,862
Avg household
3
Households w/ children
483
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $450K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
186 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% above the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10415 LUCAYA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$393,000
10427 LUCAYA DRIVE · same community
4 bd · 3.5 ba · 2,930 sqft · $134/sqft · 53 DOM
Sold · Apr ’26$428,500
10426 LUCAYA DRIVE · same community
4 bd · 3 ba · 1,877 sqft · $228/sqft · 14 DOM
Sold · Jun ’26$430,000
10446 LUCAYA DRIVE · same community
4 bd · 3 ba · 1,824 sqft · $236/sqft · 4 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 10415 LUCAYA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10415 LUCAYA DRIVE — 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
10415 LUCAYA DRIVE FAQs
What would the monthly payment be for 10415 LUCAYA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,879/mo — principal and interest, the actual property-tax bill, the $8/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 10415 LUCAYA DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10415 LUCAYA DRIVE?+
The most recent tax bill on record (2024) was $9,789. 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 10415 LUCAYA DRIVE?+
The listing reports pets: 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 Tampa?+
At $457,500, this home is listed about 2% above the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10415 LUCAYA DRIVE?+
Heritage Elementary School (elementary), Benito Middle School (middle), Wharton High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough 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
$457,500 runs 21% above the TAMPA 33647 median — but at 2,959 sqft it's also nearly twice the size of the typical Tampa 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
Heritage Elementary School, Benito Middle School, Wharton High School, Patricia Sullivan Metropolitan Ministries Partnership School — Benito Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $470,000, now $457,500 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CAPITAL HOMES INC · Yun Cui. MLS #O6421975.
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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