22804 WILLOW LAKES DRIVE, LUTZ, FL, 33549
Active23 days on marketListed Jul 1, 2026MLS #TB8525267
About this home
22804 WILLOW LAKES DRIVE
Prepare to fall in love with this stunning pool home nestled in the highly desirable Willow Bend community, where location, exceptional outdoor living, and everyday comfort come together beautifully. Situated on an expansive one-third-acre homesite, this meticulously maintained residence offers the perfect blend of sophistication, warmth, and Florida charm. From the moment you arrive, the impressive double-door entry sets the stage for the inviting interior, where soaring ceilings, abundant natural light, and thoughtfully designed living spaces create an atmosphere for you to call home. From the moment you arrive, this home has a grand first impression which it should being the former model home, welcoming you into a bright and spacious living room highlighted by soaring volume ceilings, elegant arched windows, and a cozy wood burning (currently electric Insert) fireplace. Three sets of sliding glass doors fill the home with natural light while providing seamless access to your sparkling screened pool and expansive lanai—creating the ideal setting for entertaining or relaxing as you enjoy breathtaking Florida sunsets. The thoughtfully updated kitchen is both stylish and functional, featuring sleek granite countertops, stainless steel appliances, a smooth-top range, and a charming breakfast nook with plantation shutters and direct access to the pool patio. Adjacent to the kitchen, the spacious dining area is enhanced with plantation shutters and an elegant mirrored accent wall, making it perfect for hosting family gatherings and special occasions. The luxurious primary suite is designed as a peaceful retreat, complete with luxury vinyl plank flooring, a generous walk-in closet, and a cozy sitting alcove. The spa-inspired primary bathroom offers dual vanities, a relaxing garden tub, a separate glass-enclosed shower, and a decorative glass block window that fills the space with soft natural light. The desirable split-bedroom floor plan provides privacy for family and guests, while additional features such as volume ceilings, arched architectural details, and an interior laundry room with utility sink add both character and convenience. The screened lanai offers both covered and open-air spaces overlooking a large fenced backyard complete with a storage shed, mature fruit trees, and plenty of room for pets, gardening, or outdoor recreation. The oversized lot also features drive-through side gate access, providing additional flexibility for trailers, boats, or recreational vehicles. Recent updates provide peace of mind, including a resurfaced pool (2019), new pool screen enclosure (2024), Pool deck Paint (2026) air conditioning system (2020), updated water heater, water softener system. Additional feature is the garage is fully cooled/Heated as an option. Perfectly located near shopping, dining, entertainment, parks, Tampa Premium Outlets, Wiregrass Mall, top-rated public and private schools, and offering quick access to I-75, I-275, and the Veterans Expressway, this home combines everyday convenience with exceptional lifestyle appeal. Best of all, Willow Bend offers low HOA fees and no costly CDD fees. If you've been searching for an affordable pool home with timeless charm, thoughtful updates, and an unbeatable location and price, this exceptional Willow Bend property is ready to welcome you home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,914
Sqft
0.33 ac
Lot size
2
Garage
1994
Year built
One
Levels
$251
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.
$3,506 /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
$3,506/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
+7.2%
$/sqft vs Lutz actives
$251 vs $243
Days on market
23 vs 35 typical
Where $251/sqft sits among the 265 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
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)
146 of 265
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 22804 WILLOW LAKES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$450,000
22848 STERLING MANOR LOOP · same community
3 bd · 2 ba · 1,922 sqft · $234/sqft · 3 DOM
Sold · Apr ’26$525,000
1621 AUDUBON TRAIL · same community
4 bd · 2 ba · 1,902 sqft · $276/sqft · 12 DOM
Sold · Apr ’26$430,000
22521 MAGNOLIA TRACE BOULEVARD · same community
4 bd · 2 ba · 1,929 sqft · $223/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 22804 WILLOW LAKES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22804 WILLOW LAKES 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
22804 WILLOW LAKES DRIVE FAQs
What would the monthly payment be for 22804 WILLOW LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,506/mo — principal and interest, the actual property-tax bill, the $59/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 22804 WILLOW LAKES DRIVE?+
The association fee works out to $59 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22804 WILLOW LAKES DRIVE?+
The most recent tax bill on record (2024) was $3,009. 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 22804 WILLOW LAKES 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 $479,800, this home is listed about 2% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 22804 WILLOW LAKES 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
Three things that matter here
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Strong 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.
03The price has already moved
Listed at $479,900, now $479,800 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Jeremy Parker. MLS #TB8525267.
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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