
4123 HIGHLAND PARK CIRCLE, LUTZ, FL, 33558
Active61 days on marketListed May 28, 2026MLS #TB8512226
About this home
4123 HIGHLAND PARK CIRCLE
One or more photo(s) has been virtually staged. Distinctively detailed and masterfully crafted, this exceptional Alvarez built estate showcases timeless elegance, extraordinary workmanship, and luxury finishes throughout. Situated on a premier corner lot of approximately one acre with beautiful lake views, this one of a kind custom residence offers an unmatched blend of sophistication, scale, and functionality. A dramatic two story gallery entry welcomes you with a sweeping staircase, marble flooring with decorative insets, and impressive architectural detail throughout. The gracious formal living room features a granite fireplace with custom cherry mantle, while the oversized formal dining room is ideal for entertaining on a grand scale. The gourmet kitchen is appointed with Wood Mode cabinetry, granite countertops, stainless steel appliances, and a convenient butler's pantry. The private cherry paneled study creates an elegant executive workspace, while the expansive family room offers built in entertainment features and custom ceiling treatments. Upstairs, a secondary staircase leads to generously sized bedroom suites. A rare and highly desirable feature, every bedroom in the residence is a true suite complete with its own private en suite bathroom, providing exceptional comfort, privacy, and convenience for family members and guests alike. Several suites also offer sitting areas, while additional highlights include a walk in cedar closet and a rare 230 square foot air conditioned mechanical room. The luxurious primary suite includes a private walled sunning area complete with its own outdoor shower. Additional highlights include a dedicated home office/library, oversized fitness room with wet bar that could easily serve as a media room, stunning central waterfall feature, and both garage door openers recently replaced. A new roof was installed in 2019. The expansive backyard presents an opportunity for future outdoor enhancements, including the potential for a custom swimming pool and resort style entertaining area, subject to buyer verification, permitting requirements, and applicable approvals. Please note: One or more photographs, videos, renderings, or marketing materials may include AI enhancement and/or virtual staging for illustrative purposes. Enhancements may include landscaping, lighting, furnishings, cosmetic improvements, or visualization of potential property features. Any swimming pool depicted in photographs, videos, renderings, virtual tours, or other marketing materials is a conceptual rendering only. No swimming pool currently exists on the property. Seller and listing broker make no representations or warranties regarding future improvements, construction feasibility, permitting, costs, dimensions, specifications, or suitability for any particular use. Buyers are encouraged to conduct their own independent due diligence. This is a rare opportunity to own a truly unique custom estate where quality, character, and craftsmanship are evident at every turn. A joy to show and certain to impress even the most discerning buyer
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
7,314
Sqft
0.92 ac
Lot size
3
Garage
1991
Year built
Two
Levels
$341
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.
$16,055 /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
$16,055/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
$341 vs $245
Days on market
61 vs 35 typical
Where $341/sqft sits among the 274 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)
151 of 274
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 558% above the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 4123 HIGHLAND PARK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$2,363,125
18713 PEPPER PIKE
4 bd · 5.5 ba · 8,218 sqft · $288/sqft · 19 DOM
Sold · Jun ’26$1,350,000
4122 HIGHLAND PARK CIRCLE
5 bd · 4 ba · 5,096 sqft · $265/sqft · 0 DOM
Sold · Jul ’26$1,300,000
3515 LANDS END WAY
4 bd · 4 ba · 4,460 sqft · $291/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 4123 HIGHLAND PARK CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4123 HIGHLAND PARK 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
4123 HIGHLAND PARK CIRCLE FAQs
What would the monthly payment be for 4123 HIGHLAND PARK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,055/mo — principal and interest, the actual property-tax bill, the $316/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 4123 HIGHLAND PARK CIRCLE?+
The association fee works out to $316 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4123 HIGHLAND PARK CIRCLE?+
The most recent tax bill on record (2025) was $14,170. 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 4123 HIGHLAND PARK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $2,495,000, this home is listed about 409% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 4123 HIGHLAND PARK CIRCLE?+
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
Three things that matter here
01Positioned at the premium end
$2,495,000 runs 558% above the LUTZ 33558 median — but at 7,314 sqft it's also nearly 3 times 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Vincent Arcuri. MLS #TB8512226.
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.
Never miss a listing
New Lutz homes, in your inbox
Like 4123 HIGHLAND PARK CIRCLE but not quite? A daily digest of every new listing in Lutz — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


