
23218 CYPRESS TRAIL DRIVE, LUTZ, FL, 33549
Active3 days on marketListed Jul 21, 2026MLS #TB8531029
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
Inside
Outside & construction
Community & fees
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%
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
$189/mo
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
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)
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
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.
Sold · Nov ’25$585,000
22615 GLYNDON POINT ROAD · same community
5 bd · 3 ba · 2,275 sqft · $257/sqft · 2 DOM
Sold · Apr ’26$515,000
1333 ALANA COURT · same community
3 bd · 2.5 ba · 2,264 sqft · $227/sqft · 107 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 23218 CYPRESS TRAIL DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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.
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