18425 SWAN LAKE DRIVE, LUTZ, FL, 33549
Active46 days on marketListed Jun 22, 2026MLS #TB8521778
About this home
18425 SWAN LAKE DRIVE
Welcome to one of the best values in the community! This spacious 4-bedroom, 2-bath home with a dedicated den offers approximately 1,830 square feet of comfortable living space and is currently the best-priced home available in the neighborhood. Designed with both functionality and efficiency in mind, this home features fully owned, paid-off solar panels, no lease and no loan, helping reduce monthly energy costs while providing long-term savings and added value for years to come. The open floor plan includes a separate den that is perfect for a home office, playroom, fitness space, or additional guest area. The open living and dining areas provide plenty of room for everyday living and entertaining. Outside you can enjoy Florida living year-round from the screened porch, offering the perfect place to relax with your morning coffee or unwind after a long day. The ½ car garage provides ample room for storage, tools, or recreational equipment. Conveniently located near shopping, dining, schools, parks, and major roadways, this home offers both comfort and convenience in a highly desirable community. Opportunities like this don't come along often. With its spacious layout, energy-efficient solar system, screened outdoor living space, and aggressive pricing, this home is positioned to sell quickly. Schedule your private showing today before this exceptional value is gone! 3D floor plan available upon request.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,820
Sqft
0.19 ac
Lot size
1
Garage
1978
Year built
One
Levels
$192
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.
$2,545 /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
$2,545/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
−29.6%
$/sqft vs Lutz actives
$192 vs $244
Days on market
46 vs 43 typical
Where $192/sqft sits among the 261 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
$541K → $548K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
157 of 261
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18425 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 · Sep ’25$497,500
18410 STERLING SILVER CIRCLE · same community
3 bd · 2.5 ba · 1,950 sqft · $255/sqft · 2 DOM
Sold · Oct ’25$265,000
18412 SWAN LAKE DRIVE · same community
3 bd · 2 ba · 1,464 sqft · $181/sqft · 17 DOM
Sold · May ’26$425,000
17815 CRANBROOK DRIVE
4 bd · 2 ba · 1,839 sqft · $231/sqft · 182 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 18425 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 18425 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
18425 SWAN LAKE DRIVE FAQs
What would the monthly payment be for 18425 SWAN LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,545/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 18425 SWAN LAKE DRIVE?+
The most recent tax bill on record (2025) was $2,040. 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 $349,900, this home is listed about 29% below the Lutz median of $492,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18425 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
Three things that matter here
01Under the LUTZ 33549 market on paper
$349,900 is 27% below the LUTZ 33549 median of $478,800, and at $192/sqft it sits under the Lutz average of $263.
02Strong 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.
03The price has already moved
Listed at $375,000, now $349,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Jose Cruz, Jr. MLS #TB8521778.
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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