David Ramirez
$2,495,0005 bd5.5 ba7,314 sqft$341 /sqft$16,055 /mo all-in ↓

4123 HIGHLAND PARK CIRCLE, LUTZ, FL, 33558

Active61 days on marketListed May 28, 2026MLS #TB8512226

WaterfrontSingle Family ResidenceCHEVAL POLO & GOLF CLUB PH 01 AVE

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

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Marble · Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Primary Bedroom Main Floor · Skylight(s) · Split Bedroom · Tray Ceiling(s) · Wet Bar · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Zoned
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionBrick
FoundationSlab
ViewWater
FacesNorthwest
ParkingGarage Door Opener · Garage Faces Rear · Garage Faces Side · Oversized
ExteriorIrrigation System

Community & fees

HOA fee$316/mo
Taxes (2025)$14,170/yr
PetsCats OK, Dogs OK, Yes
CommunityDeed Restrictions · Fitness Center · Golf · Irrigation-Reclaimed Water · Park · Playground · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Fiber Optics · Public
WaterSee Remarks

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%

Principal & interest$13,463
PMI (est., until 20% equity)$936
Property tax — 2025 actual bill$1,181
HOA fee — from the listing$316
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $249,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $249,500
Interest rate6.00%
Loan term

Estimated payment

$16,055/mo

Principal & interest$13,463
PMI (est., until 20% equity)$936
Property taxes (actual bill)$1,181
HOA / condo fee$316
Est. insurance$160

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

76
86
60
20
12 · this home
20
$172–213$213–254$254–295$295–335$335–376$376+

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

Map of 4123 HIGHLAND PARK CIRCLE

Drive times from this address

Downtown Tampa29 min
Tampa Int’l Airport (TPA)29 min

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

ElementaryMcKitrick Elementary School★★★★★
MiddleMartinez Middle School★★★★★
HighSteinbrenner High School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lutz market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s 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

May 28, 2026Listed at $2,495,000 · 61 days on market since
1991Built · CHEVAL POLO & GOLF CLUB PH 01 AVE

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.

18713 PEPPER PIKESold · May ’26

$2,363,125

18713 PEPPER PIKE

4 bd · 5.5 ba · 8,218 sqft · $288/sqft · 19 DOM

4122 HIGHLAND PARK CIRCLESold · Jun ’26

$1,350,000

4122 HIGHLAND PARK CIRCLE

5 bd · 4 ba · 5,096 sqft · $265/sqft · 0 DOM

3515 LANDS END WAYSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4123 HIGHLAND PARK CIRCLE — start here.

Andrew Acosta

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.

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.

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.

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4123 HIGHLAND PARK CIRCLE, LUTZ, FL — 5 Bed, 5.5 Bath — $2,495,000 | CENTURY 21 Edge