21027 LAZY DAYS CIRCLE, LUTZ, FL, 33558
Active119 days on marketListed Mar 28, 2026MLS #TB8491636
About this home
21027 LAZY DAYS CIRCLE
Experience relaxed resort-style living in Paradise Lakes, a vibrant gated nudist community north of Tampa. With a low HOA of just $35/month, this property offers excellent value! This 2 bedroom, 1.5 bath manufactured home features an open-concept layout with a split-bedroom design for added privacy. Recent updates include laminate flooring, fresh interior paint and ceiling fans throughout. The home is partially furnished, making it move-in ready or ideal for seasonal use. Sliding glass doors open to a spacious deck, perfect for relaxing or entertaining. The deck connects to a three-car paver driveway and can be screened in if desired. An oversized storage shed provides space for storage, a workshop, hobby area, or home office. Conveniently located near the clubhouse and laundry facilities, the home offers easy access to community amenities. Optional resort membership includes multiple pools, a hot tub, fitness center, pickleball and sand volleyball courts, plus a tiki bar, sports bar, nightclub, and on-site dining. Additional features include a roof installed in 2019 and regular termite inspections. Whether you’re looking for a full-time residence, seasonal retreat, or investment opportunity, this property offers great potential. Schedule your showing today! Call for access to this gated community and to view the property.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
504
Sqft
0.05 ac
Lot size
1993
Year built
One
Levels
$371
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.
$1,520 /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
$1,520/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
$371 vs $244
Days on market
119 vs 35 typical
Where $371/sqft sits among the 266 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 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)
148 of 266
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% below the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 21027 LAZY DAYS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$120,000
21045 LAZY DAYS CIRCLE · same community
1 bd · 1 ba · 688 sqft · $174/sqft · 138 DOM
Sold · Sep ’25$125,000
21040 LAZY DAYS CIRCLE · same community
1 bd · 1 ba · 816 sqft · $153/sqft · 65 DOM
Sold · Jan ’26$105,000
1881 MAZO MANOR UNIT I-6
1 bd · 1 ba · 456 sqft · $230/sqft · 253 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 21027 LAZY DAYS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21027 LAZY DAYS CIRCLE — 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
21027 LAZY DAYS CIRCLE FAQs
What would the monthly payment be for 21027 LAZY DAYS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,520/mo — principal and interest, the actual property-tax bill, the $35/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 21027 LAZY DAYS CIRCLE?+
The association fee works out to $35 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21027 LAZY DAYS CIRCLE?+
The most recent tax bill on record (2025) was $1,699. 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 21027 LAZY DAYS CIRCLE?+
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 $187,000, this home is listed about 62% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 21027 LAZY DAYS CIRCLE?+
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
Three things that matter here
01Under the LUTZ 33558 market on paper
$187,000 is 51% below the LUTZ 33558 median of $380,000.
02Time on market is leverage
119 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LIVING PROPERTIES, INC · Ray McCoy. MLS #TB8491636.
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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