22128 LITTLE LAGOON COURT, LUTZ, FL, 33549
Active97 days on marketListed May 6, 2026MLS #TB8505944
About this home
22128 LITTLE LAGOON COURT
**Free 1% one-year interest rate buy down through use of seller's preferred lender** Discover your perfect Florida retreat at 22128 Little Lagoon Court N in the desirable gated community of Lakes at Heron Cove in Lutz, Florida. This beautifully updated first-floor 2-bedroom, 2-bathroom condo boasts 1,166 square feet of bright, open living space and includes the rare luxury of a private 1-car attached garage. The thoughtful split-bedroom layout ensures maximum privacy, while the expansive living and dining areas create an ideal setting for both relaxed everyday living and effortless entertaining. Your screened lanai offers peaceful conservation area views with frequent visits from local wildlife, making it the perfect spot for morning coffee or unwinding at sunset. The chef-friendly kitchen shines with generous counter space, a convenient breakfast bar and updated Stainless Steel appliances. The generous primary suite (15x13) features an oversized walk-in closet and a luxurious en-suite bath complete with his and hers dual vanities, walk-in shower, and private water closet. Tile flooring and vinyl flooring throughout the main living areas adds durability and ease, while quality carpet in the bedrooms provides comfort underfoot. This home has been thoughtfully maintained with impressive recent UPDATES, impact-rated hurricane windows and sliding doors throughout. The community roof is fully covered by the HOA, adding even more peace of mind. Best of all, there are no CDD fees and the monthly HOA is $449 per month, delivering outstanding value and true low-maintenance living. Enjoy a resort-style lifestyle with a sparkling pool, hot tub, clubhouse, scenic walking trails, and direct access to beautiful 54-acre Lake Bird featuring a boat ramp and fishing dock—perfect for kayaking, small boats, or quiet days on the water. Tucked away yet conveniently located just off Hwy 54 with easy I-275 access, you’re minutes from shopping, dining, and top-tier amenities, with USF, Moffitt Cancer Center, and Downtown Tampa all within a short 20–30 minute drive. This move-in ready, turnkey condo is truly one you don’t want to miss. **Free 1% one-year interest rate buy down through use of seller's preferred lender**
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,166
Sqft
0.36 ac
Lot size
1
Garage
1998
Year built
One
Levels
$195
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.
$1,612 /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
$1,612/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
−2.7%
$/sqft vs Lutz actives
$195 vs $242
Days on market
97 vs 42 typical
Where $195/sqft sits among the 264 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 Heron Cove
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Heron Cove — neighborhood snapshot
Population
1,438
Median age
52
Median income
$62,379
Median home value
$269,107
Avg household
2
Households w/ children
141
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
$541K → $512K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
153 of 264
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% below the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 22128 LITTLE LAGOON COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$368,000
1301 FOXWOOD DRIVE
3 bd · 2 ba · 1,107 sqft · $332/sqft · 8 DOM
Sold · Apr ’26$235,000
1727 HAMMOCKS AVENUE BLDG 16
2 bd · 2 ba · 1,233 sqft · $191/sqft · 160 DOM
Sold · Aug ’25$275,000
21550 CLUBSIDE LOOP
3 bd · 2 ba · 1,288 sqft · $214/sqft · 162 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 22128 LITTLE LAGOON COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22128 LITTLE LAGOON COURT — 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
22128 LITTLE LAGOON COURT FAQs
What would the monthly payment be for 22128 LITTLE LAGOON COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,612/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 22128 LITTLE LAGOON COURT?+
The most recent tax bill on record (2025) was $181. 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 22128 LITTLE LAGOON COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $227,000, this home is listed about 53% below the Lutz median of $487,000. The market section on this page shows how the area is trending.
Which schools are assigned to 22128 LITTLE LAGOON COURT?+
Lake Myrtle Elementary School (elementary), Charles S. Rushe Middle School (middle), Sunlake High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the LUTZ 33549 market on paper
$227,000 is 53% below the LUTZ 33549 median of $479,000, and at $195/sqft it sits under the Lutz average of $263.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
97 days on market against a Lutz median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake Myrtle Elementary School, Charles S. Rushe Middle School, Sunlake High School — Charles S. Rushe Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $235,000, now $227,000 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Skyler Warden. MLS #TB8505944.
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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