David Ramirez
$3,9954 bd2.5 ba2,272 sqft$2 /sqft$189 /mo all-in ↓

23218 CYPRESS TRAIL DRIVE, LUTZ, FL, 33549

Active3 days on marketListed Jul 21, 2026MLS #TB8531029

Priced 99% below the LUTZ 33549 medianPrivate poolSingle Family ResidenceWILLOW BEND

About this home

23218 CYPRESS TRAIL DRIVE

Welcome home at a charming front porch finished with elegant travertine tile provides the perfect place to relax before entering through stunning modern double front doors, installed in 2020. A Ring doorbell and outdoor security cameras for added convenience and peace of mind. Inside, an open-concept floor plan seamlessly connects the foyer, dining area, and living room beneath soaring cathedral ceilings. The welcoming foyer features illuminated display shelving, while luxury vinyl plank flooring and recessed lighting extend throughout the main living areas, creating a bright and atmosphere. The chef-inspired kitchen is beautifully appointed with granite countertops, updated appliances, plantation shutters on the front-facing windows, and generous workspace for everyday living or entertaining. Natural light fills the home through impressive 8-foot sliding glass doors that connect the living room, kitchen, primary bedroom, and guest bedroom to the expansive climate-controlled sunroom. Ceiling fans by Dan's Fans in the living room, sunroom, and primary suite provide year-round comfort. The spacious primary suite serves as a private retreat, featuring luxury vinyl plank flooring, sliding glass doors to the sunroom, custom-built his-and-hers walk-in closets, and abundant natural light. The spa-inspired ensuite bathroom has been beautifully renovated with porcelain tile floors and walls, a frameless glass walk-in shower with a rain showerhead, a freestanding soaking tub, separate soft-close granite vanities with illuminated mirrors, a private water closet, decorative chandelier, lighted niche, and plantation shutters. Bedroom two offers updated carpeting, double closets, and sliding glass doors opening to the sunroom with tranquil views of the beautifully landscaped backyard. Bedrooms three and four are generously sized with large windows and blinds, while bedroom four includes a queen-size Murphy bed with built-in display shelving, making it ideal as a guest room, home office, or flex space. The guest bathroom features ceramic tile floors and walls, a large vanity, and a new toilet. One of the home's standout features is the expansive heated and air-conditioned sunroom, surrounded by floor-to-ceiling windows that bring the outdoors in. Finished with porcelain tile flooring and remote-controlled smart shades, this incredible space opens directly to the pool deck and is served by a convenient half bath with easy access from both the sunroom and pool area. Outside, your private backyard oasis awaits. The fully fenced yard backs to a peaceful conservation area, while fragrant lemon blossoms perfume the air each spring. The renovated, solar-heated swimming pool features a new variable-speed pump, and a wired outdoor stereo system surrounds the pool deck, creating the perfect setting for entertaining. A covered outdoor seating area with sunshades and a ceiling fan offers a comfortable place to relax in every season. The updated laundry room is equally impressive, featuring soft-close cabinetry, granite countertops, a utility sink, and an included washer and dryer. Weekly Pool care included lawncare available for an additional $130 a month.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,272

Sqft

0.21 ac

Lot size

2

Garage

1996

Year built

One

Levels

$2

Per sqft

Private pool

Inside

AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorHigh Ceilings
LaundryInside · Laundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

Community & fees

PetsCats OK, Dogs OK, Number Limit, Size Limit

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$189 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$24
FHA mortgage insurance (est.)$2
Est. property taxes (1.1%/yr)$4
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $140Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $140
Interest rate6.00%
Loan term

Estimated payment

$189/mo

Principal & interest$24
FHA mortgage insurance (est.)$2
Est. property taxes$4
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

$/sqft vs Lutz actives

$2 vs $244

Days on market

3 vs 35 typical

Where $2/sqft sits among the 266 Lutz actives

0 · this home
1
68
127
42
28
$2–71$71–140$140–209$209–278$278–348$348+

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

Map of 23218 CYPRESS TRAIL DRIVE

Drive times from this address

Downtown Tampa28 min
Tampa Int’l Airport (TPA)34 min

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

ElementaryOakstead Elementary School★★★★
HighSunlake High School★★★★
MiddleCharles S. Rushe Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lutz market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$580K$487K

Lutz median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

147 of 266

Lutz actives have cut their price

Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 99% below the LUTZ 33549 median. See the full Lutz market guide →

Paper trail

This home's history

Jul 21, 2026Listed at $3,995 · 3 days on market since
1996Built · WILLOW BEND

Reality check

What actually sold near 23218 CYPRESS TRAIL DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

22615 GLYNDON POINT ROADSold · Nov ’25

$585,000

22615 GLYNDON POINT ROAD · same community

5 bd · 3 ba · 2,275 sqft · $257/sqft · 2 DOM

1333 ALANA COURTSold · Apr ’26

$515,000

1333 ALANA COURT · same community

3 bd · 2.5 ba · 2,264 sqft · $227/sqft · 107 DOM

1436 FOX CHAPEL DRIVESold · May ’26

$567,500

1436 FOX CHAPEL DRIVE · same community

4 bd · 2 ba · 2,252 sqft · $252/sqft · 61 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 23218 CYPRESS TRAIL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 23218 CYPRESS TRAIL 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.

Goes straight to David’s phone and CRM.

Straight answers

23218 CYPRESS TRAIL DRIVE FAQs

What would the monthly payment be for 23218 CYPRESS TRAIL DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $189/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 23218 CYPRESS TRAIL DRIVE?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $3,995, this home is listed about 99% below the Lutz median of $489,999. The market section on this page shows how the area is trending.

Which schools are assigned to 23218 CYPRESS TRAIL 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

01Under the LUTZ 33549 market on paper

$3,995 is 99% below the LUTZ 33549 median of $440,000, and at $2/sqft it sits under the Lutz average of $269.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 3 days on market in a Lutz market that averages 35 — if it fits, move quickly.

04Strong 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 INTEGRITY REAL ESTATE SERVICES LLC · Edward Holloway. MLS #TB8531029.

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 23218 CYPRESS TRAIL DRIVE 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 →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 24, 2026 at 6:12 PM UTC. The listing information on this page last changed on July 24, 2026 at 6:12 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 24, 2026 at 6:12 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 24, 2026 at 6:12 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.