418 PINE BLUFF DRIVE, LUTZ, FL, 33549
Active26 days on marketListed Jun 24, 2026MLS #TB8522774
About this home
418 PINE BLUFF DRIVE
Welcome to your private retreat in one of Lutz's most desirable gated communities. Nestled on over an acre of beautifully maintained property and surrounded by serene conservation views, this exceptional 4-bedroom, 3-bath home with the perfect blend of luxury, privacy, and functionality. Designed for both everyday living and entertaining, the spacious floor plan features a dedicated office, a versatile bonus room, and generous living spaces filled with natural light. The beautifully updated kitchen serves as the heart of the home, showcasing modern finishes, quality cabinetry, and thoughtful design, while the renovated bathrooms have a fresh, elegant feel throughout. Step outside to your own backyard oasis, complete with a sparkling pool, expansive outdoor living areas, and peaceful conservation views that create a true sense of escape. Major updates provide peace of mind, including Anderson windows and sliding glass doors, a roof replaced just four years ago, newer water heater, re-screened pool enclosure, whole-house generator, and an electric vehicle charging station. Whole home Softener with Sulfa Odor Removal System and Sanitron Whole home Ultraviolet water purifier Combining acreage, privacy, extensive upgrades, and a sought-after gated community location, this remarkable property offers a rare opportunity to enjoy the best of Lutz living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,275
Sqft
1.11 ac
Lot size
3
Garage
2004
Year built
One
Levels
$351
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.
$7,519 /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
$7,519/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.
vs edgeAI estimate
+17.1%
$/sqft vs Lutz actives
$351 vs $243
Days on market
26 vs 35 typical
Where $351/sqft sits among the 260 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
Get to know Lutz. See the full Lutz guide →
LUTZ 33549 — neighborhood snapshot
Population
18,816
Median age
44.1
Median income
$85,066
Median home value
$339,400
Avg household
2.58
Households w/ children
2,040
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
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
144 of 260
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 151% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 418 PINE BLUFF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,055,000
313 PINE BLUFF DRIVE · same community
4 bd · 3 ba · 3,300 sqft · $320/sqft · 23 DOM
Sold · Dec ’25$960,000
312 PINE BLUFF DRIVE · same community
4 bd · 3 ba · 3,318 sqft · $289/sqft · 36 DOM
Sold · May ’26$1,135,000
421 PINE BLUFF DRIVE · same community
4 bd · 3 ba · 3,094 sqft · $367/sqft · 4 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 418 PINE BLUFF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 418 PINE BLUFF 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
418 PINE BLUFF DRIVE FAQs
What would the monthly payment be for 418 PINE BLUFF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,519/mo — principal and interest, the actual property-tax bill, the $211/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 418 PINE BLUFF DRIVE?+
The association fee works out to $211 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 418 PINE BLUFF DRIVE?+
The most recent tax bill on record (2025) was $6,133. 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 418 PINE BLUFF DRIVE?+
The listing reports pets: 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 $1,150,000, this home is listed about 135% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 418 PINE BLUFF DRIVE?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,150,000 runs 151% above the LUTZ 33549 median — but at 3,275 sqft it's also 54% larger than the typical Lutz listing.
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
Oakstead Elementary School, Sunlake High School, Charles S. Rushe Middle School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,250,000, now $1,150,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Joe Lewkowicz. MLS #TB8522774.
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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