19431 MONARCH WIND WAY, LUTZ, FL, 33558
Active200 days on marketListed Jan 5, 2026MLS #TB8460810
About this home
19431 MONARCH WIND WAY
Assume a VA loan with a low interest rate! Modern Living Meets Ultimate Convenience in this Spacious Lutz Townhome! **VA Assumable Loan** Welcome to Monarch Wind Way, where contemporary style, generous space, and maintenance-free living come together in one of Lutz’s most desirable gated communities. This 4-bedroom, 3-bathroom townhome with an oversized bonus room and 2-car garage offers the perfect blend of form and function—ideal for young families, professionals, or anyone seeking a newer home with room to grow. With over 2,400 sq ft of thoughtfully designed living space, you’ll love the open-concept layout, tall ceilings, and elegant finishes throughout. The first floor features wood grain ceramic tile flooring, a spacious great room, and a full guest suite with its own bathroom—perfect for multigenerational living, visiting guests, or a private home office. The kitchen is the true heart of the home, showcasing quartz countertops, staggered cabinetry, a glass subway tile backsplash, stainless steel appliances, a deep single-bowl sink with gooseneck faucet, and a custom wood-shelved mudroom area for everyday organization. Upstairs, retreat to the spacious primary suite, which features a luxurious en-suite bathroom with dual vanities, a soaking tub, a separate walk-in shower, and a large walk-in closet. Two additional bedrooms—each with their own walk-in closets—share a full bathroom with dual sinks and a tub/shower combo. The expansive bonus room offers flexible space for movie nights, gaming, a playroom, or a second living area. Enjoy your morning coffee or evening wine on the screened-in lanai, providing peaceful outdoor living without the hassle. And because this home is part of a low-maintenance townhome community, exterior maintenance is handled for you—giving you more time to enjoy everything this growing area has to offer. Located between Highway 41 and the Suncoast Parkway, you’ll have easy access to Tampa, excellent schools, shopping, restaurants, and all the recreational amenities of Land O’ Lakes and Lutz. The community itself offers a walkable lifestyle with amenities just steps away. If you’re looking for a stylish, low-maintenance, move-in-ready home with plenty of space in a prime Lutz location, don’t miss your opportunity to see this one. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,574
Sqft
0.06 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$181
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.
$3,507 /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
$3,507/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.
$/sqft vs Lutz actives
$181 vs $244
Days on market
200 vs 35 typical
Where $181/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 Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
LUTZ 33558 — neighborhood snapshot
Population
30,912
Median age
40.4
Median income
$107,427
Median home value
$479,300
Avg household
2.76
Households w/ children
4,377
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
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
147 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 23% above the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 19431 MONARCH WIND WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$453,000
19425 MONARCH WIND WAY · same community
3 bd · 2.5 ba · 2,243 sqft · $202/sqft · 34 DOM
Sold · Aug ’25$695,000
1669 FEATHER GRASS LOOP
4 bd · 4 ba · 2,588 sqft · $269/sqft · 5 DOM
Sold · Jul ’25$620,000
1673 FEATHER GRASS LOOP
4 bd · 3 ba · 2,546 sqft · $244/sqft · 3 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 19431 MONARCH WIND WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19431 MONARCH WIND WAY — 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
19431 MONARCH WIND WAY FAQs
What would the monthly payment be for 19431 MONARCH WIND WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,507/mo — principal and interest, the actual property-tax bill, the $298/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 19431 MONARCH WIND WAY?+
The association fee works out to $298 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19431 MONARCH WIND WAY?+
The most recent tax bill on record (2024) was $1,271. 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 19431 MONARCH WIND WAY?+
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 Lutz?+
At $465,000, this home is listed about 5% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 19431 MONARCH WIND WAY?+
McKitrick Elementary School (elementary), Martinez Middle School (middle), Steinbrenner 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
$465,000 runs 23% above the LUTZ 33558 median — but at 2,574 sqft it's also 21% larger than the typical Lutz listing.
02Time on market is leverage
200 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
McKitrick Elementary School, Martinez Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — McKitrick Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $475,000, now $465,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Garrett Carroll. MLS #TB8460810.
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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