18703.5 LAKESHORE DR, LUTZ, FL, 33549
Active7 days on marketListed Jul 18, 2026MLS #TB8530522
About this home
18703.5 LAKESHORE DR
LAKE KEEN LAKEFRONT LOT — your own slice of lake life! Whether you want to ski, fish, or just chill and take in the view, this spot has you covered. It’s literally the last vacant lot on Lakeshore Drive, so you can design the lake home you’ve been dreaming about right here in Lutz. You’re close to shopping and everything you need, but the lot itself feels tucked away and peaceful at the back of the neighborhood. Perfect for hosting, because once your friends see the lake, they’ll never want to leave. Every day feels like a quiet, serene escape from the chaos. No CDD, no HOA, and yes — the lot can be financed. You’re on a 30-acre ski lake with no flood insurance required. Keene Lake is all about fun on the water, and you can launch right from your backyard. Largemouth bass? They’re basically waiting for you. Great location too — close to USF, hospitals, and about 25 minutes to Tampa International Airport. Less than 45 minutes to Beautiful Beaches!!!
Facts & features
The home at a glance
0.48 ac
Lot size
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.
$2,627 /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
$2,627/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.
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 →
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 26% below the Lutz median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18703.5 LAKESHORE DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$400,000
18619 YOCAM AVENUE · same community
3 bd · 2 ba · 1,758 sqft · $228/sqft · 95 DOM
Sold · Jul ’26$385,000
17734 RIVENDEL ROAD
3 bd · 2 ba · 1,188 sqft · $324/sqft · 13 DOM
Sold · Dec ’25$315,000
17832 SUNRISE DRIVE
3 bd · 2 ba · 1,188 sqft · $265/sqft · 78 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 18703.5 LAKESHORE DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18703.5 LAKESHORE DR — 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
18703.5 LAKESHORE DR FAQs
What would the monthly payment be for 18703.5 LAKESHORE DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,627/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 18703.5 LAKESHORE DR?+
The most recent tax bill on record (2025) was $1,879. 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 $365,000, this home is listed about 26% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Lutz market on paper
$365,000 is 26% below the Lutz median of $489,999.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Lutz market that averages 35 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY · Anne Hart. MLS #TB8530522.
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.
Never miss a listing
New Lutz homes, in your inbox
Like 18703.5 LAKESHORE DR but not quite? A daily digest of every new listing in Lutz — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →