18892 ULMUS STREET, LUTZ, FL, 33558
Active15 days on marketListed Jul 18, 2026MLS #TB8530545
About this home
18892 ULMUS STREET
Welcome Home to this Beautifully appointed 3-bedroom, 2.5-bath Townhouse offering 1,700 sq. ft. of stylish and comfortable Living Space, complete with your own Garage. Thoughtfully designed for both everyday living and entertaining, this home features an open-concept layout enhanced by plantation shutters throughout, adding timeless elegance and privacy. The spacious kitchen is the heart of the home, showcasing a large center island, breakfast bar seating, and a custom pantry that provides exceptional storage and organization. The adjoining living and dining areas create a seamless flow, perfect for gathering with family and friends. A custom built-in cabinet with a rich wood surface and matching floating wall shelves adds both character and functionality, creating the perfect space for storage and a stylish display area. Designer touches can be found throughout the home, including upgraded light fixtures and ceiling fans, custom backsplash, stylish pendant lighting, and recessed lighting that create a warm and inviting atmosphere while enhancing the home's modern appeal. Retreat to the oversized Primary Suite, offering plenty of space for a sitting area or home gym space. The luxurious En-suite Bath features a dual-sink vanity, step-in shower, and an expansive walk-in closet. Two additional Bedrooms and a full Bath provide flexibility for guests, family members, or a home office. Beyond the home, enjoy an exceptional amenity-rich lifestyle. Residents have access to a resort-style community pool, pickleball courts, basketball courts, a dog park, scenic lake with a dock, walking trails surrounding the water, a playground, and a covered picnic pavilion—providing endless opportunities for recreation, relaxation, and outdoor enjoyment. Combining desirable upgrades, generous living spaces, and outstanding community amenities, this move-in-ready home offers the perfect blend of comfort, functionality, and lifestyle. Don't miss the opportunity to make this exceptional property your next home.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,703
Sqft
0.05 ac
Lot size
1
Garage
2017
Year built
Two
Levels
$191
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.
$3,003 /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
$3,003/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
−0.3%
$/sqft vs Lutz actives
$191 vs $243
Days on market
15 vs 35 typical
Where $191/sqft sits among the 269 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 33558 — neighborhood snapshot
Population
30,912
Median age
40.4
Median income
$107,427
Median home value
$479,300
Avg household
2.76
Households w/ children
4,377
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)
159 of 269
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18892 ULMUS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$299,000
18889 CORNUTA STREET · same community
3 bd · 2.5 ba · 1,703 sqft · $176/sqft · 17 DOM
Sold · Oct ’25$315,000
18817 ULMUS STREET · same community
3 bd · 2.5 ba · 2,003 sqft · $157/sqft · 35 DOM
Sold · Nov ’25$393,900
18930 ULMUS STREET · same community
4 bd · 3 ba · 2,098 sqft · $188/sqft · 65 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 18892 ULMUS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18892 ULMUS STREET — 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
18892 ULMUS STREET FAQs
What would the monthly payment be for 18892 ULMUS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,003/mo — principal and interest, the actual property-tax bill, the $325/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 18892 ULMUS STREET?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18892 ULMUS STREET?+
The most recent tax bill on record (2025) was $5,529. 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 18892 ULMUS STREET?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $325,000, this home is listed about 34% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18892 ULMUS STREET?+
Sunlake High School (high), Charles S. Rushe Middle School (middle), Oakstead Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Lisa Spain. MLS #TB8530545.
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 18892 ULMUS STREET 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 →