22817 SAINT THOMAS CIRCLE, LUTZ, FL, 33549
Active29 days on marketListed Jun 24, 2026MLS #TB8523099
About this home
22817 SAINT THOMAS CIRCLE
Welcome to your perfect family starter home in the heart of Lutz! This 4-bedroom, 2-bathroom home with a 1-car garage offers 1,450 sq. ft. of living space nestled in the highly sought-after, family-friendly Willow Bend Community. From the moment you arrive, this home will capture your heart! Step inside and enjoy the layout that takes you through the living room, into the dine-in kitchen — complete with a walk-in food pantry that makes storage a breeze. The main-floor Master Suite features an en-suite bathroom with a garden tub and walk-in closet. Head upstairs to find all new carpet in the three additional bright and spacious bedrooms plus a second full bathroom — plenty of room for the whole family to spread out! Unwind on your screened-in patio soaking in breathtaking lake views — a peaceful escape right in your own backyard. Save on utilities with natural gas-powered stove, dryer, and air conditioner! Lutz is one of Tampa Bay's most desirable communities, and this location delivers! Just minutes from the Tampa Premium Outlet Mall, The Grove, top-rated restaurants, and everyday shopping — all with lightning-fast access to all major roadways and interstates. Zoned for a great school district and with low HOA fees and NO CDD, this is the opportunity you've been waiting for. Priced to sell and move-in ready — don't wait, this one won't last!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,450
Sqft
0.09 ac
Lot size
1
Garage
1998
Year built
Two
Levels
$241
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.
$2,579 /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
$2,579/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
−2.8%
Days on market
29 vs 35 typical
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 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)
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
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 22817 SAINT THOMAS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22817 SAINT THOMAS 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
22817 SAINT THOMAS CIRCLE FAQs
What would the monthly payment be for 22817 SAINT THOMAS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,579/mo — principal and interest, the actual property-tax bill, the $28/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 22817 SAINT THOMAS CIRCLE?+
The association fee works out to $28 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22817 SAINT THOMAS CIRCLE?+
The most recent tax bill on record (2025) was $2,113. 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 22817 SAINT THOMAS CIRCLE?+
The listing reports pets: Dogs OK. 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 $349,900, this home is listed about 29% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 22817 SAINT THOMAS CIRCLE?+
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
Three things that matter here
01Under the LUTZ 33549 market on paper
$349,900 is 20% below the LUTZ 33549 median of $440,000, and at $241/sqft it sits under the Lutz average of $269.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
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.
Listing courtesy of REALTY HUB · Scott Burchfield. MLS #TB8523099.
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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