18322 SWAN LAKE DRIVE, LUTZ, FL, 33549
Active54 days on marketListed Jun 10, 2026MLS #TB8516009
About this home
18322 SWAN LAKE DRIVE
Welcome to your private Oasis! Nestled on a quiet residential neighborhood of Lutz, this 3 bed/ 2bath home offers nearly 2000 sqft of flexible living space. Large family room centered around a stunning wood-burning fireplace. It also has a bonus room excellent for a home office, gym, or playroom. Master room has a walk-in closet and its own private entrance to the backyard. The screen lanai, an in-ground pool, and fully fenced backyard is perfect for families and pets to enjoy. CALL to request a showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,982
Sqft
0.21 ac
Lot size
2
Garage
1980
Year built
One
Levels
$205
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.
$3,032 /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
$3,032/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
−20.5%
$/sqft vs Lutz actives
$205 vs $243
Days on market
54 vs 35 typical
Where $205/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 Windmere
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Windmere — neighborhood snapshot
Population
585
Median age
35
Median income
$91,442
Median home value
$358,400
Avg household
3
Households w/ children
87%
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)
158 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 13% below the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18322 SWAN LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$520,000
1226 DEBUEL ROAD
3 bd · 2 ba · 1,968 sqft · $264/sqft · 313 DOM
Sold · Nov ’25$430,000
18408 HANNA ROAD
4 bd · 2 ba · 1,966 sqft · $219/sqft · 13 DOM
Sold · Jun ’26$490,000
1702 BLIND POND AVENUE
4 bd · 3 ba · 2,002 sqft · $245/sqft · 701 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 18322 SWAN LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18322 SWAN LAKE DRIVE — 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
18322 SWAN LAKE DRIVE FAQs
What would the monthly payment be for 18322 SWAN LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,032/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 18322 SWAN LAKE DRIVE?+
The most recent tax bill on record (2025) was $3,636. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $405,900, this home is listed about 17% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18322 SWAN LAKE DRIVE?+
Lutz K-8 School (elementary), Freedom High School (high), Liberty Middle School (middle), 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
01Under the LUTZ 33549 market on paper
$405,900 is 13% below the LUTZ 33549 median of $464,400, and at $205/sqft it sits under the Lutz average of $269.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Lutz K-8 School, Freedom High School, Liberty Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $415,900, now $405,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Yadenys Valdes. MLS #TB8516009.
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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