17220 ESTES ROAD, LUTZ, FL, 33548
Active182 days on marketListed Jan 23, 2026MLS #TB8464973
About this home
17220 ESTES ROAD
Lakeside Luxury. Acreage Privacy. Turn-Key Perfection. Welcome to a truly rare offering—3.03 private acres with 165 feet of frontage on a 13-acre ski lake, where thoughtful design meets resort-style living. This fully remodeled estate delivers not one, but two beautifully updated residences with a combined 3,842 sq ft, making it ideal for multi-generational living, guests, or income potential. The main home features 4 bedrooms and 1¾ baths, while the connected suite offers 2 bedrooms and a full bath—both showcasing brand-new kitchens with granite countertops and new appliances. Porcelain ceramic tile laid on the diagonal highlights the common areas, while all six bedrooms boast rich hardwood flooring. Every detail has been carefully curated, from fresh interior and exterior paint to upgraded double-pane Low-E windows with grids throughout. Step outside and experience your own private retreat—mature oak trees, a tranquil backyard pond, and additional acreage beyond for endless possibilities. A detached 6-car block garage includes a framed office space, perfect for a home business, workshop, or studio. Tankless water heaters serve both units, and peace of mind comes with Timberline dimensional shingle roofs (home 2020, garage 2017). The grand curb appeal is undeniable, highlighted by stone columns and a wrought iron fence, with custom front gates and additional architectural enhancements currently being fabricated to elevate the estate even further. No HOA. No deed restrictions. Total privacy. Exceptional care. This is more than a home—it’s a lifestyle of space, serenity, and lakefront living. Don’t miss this one-of-a-kind opportunity.
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
3,808
Sqft
3.03 ac
Lot size
4
Garage
1973
Year built
One
Levels
$248
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 — not generic estimates.
$6,299 /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
$6,299/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
$248 vs $243
Days on market
182 vs 35 typical
Where $248/sqft sits among the 269 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
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)
148 of 269
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 17220 ESTES ROAD
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$525,000
825 CRENSHAW LAKE ROAD · same community
3 bd · 2 ba · 1,617 sqft · $325/sqft · 6 DOM
Sold · Dec ’25$1,325,000
1403 MERRY WATER DRIVE
5 bd · 3.5 ba · 3,658 sqft · $362/sqft · 16 DOM
Sold · Dec ’25$990,000
707 WARREN ROAD
5 bd · 3.5 ba · 3,615 sqft · $274/sqft · 63 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 17220 ESTES ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17220 ESTES ROAD — 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
17220 ESTES ROAD FAQs
What would the monthly payment be for 17220 ESTES ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,299/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 17220 ESTES ROAD?+
The most recent tax bill on record (2024) was $8,230. 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 17220 ESTES ROAD?+
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 $945,000, this home is listed about 93% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 17220 ESTES ROAD?+
Lutz K-8 School (elementary), Buchanan 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
$945,000 runs 34% above the LUTZ 33548 median — but at 3,808 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.
03Time on market is leverage
182 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lutz K-8 School, Buchanan Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Jay Owens. MLS #TB8464973.
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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