
19003 CEDAR LANE, LUTZ, FL, 33548
Active98 days on marketListed Apr 16, 2026MLS #W7884876
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 2:00 PM
Trenton Hosier of The Hardy Team will host an open house.
About this home
19003 CEDAR LANE
You don't want to miss out on this stunning, fully remodeled (in 2025) two-story lakefront home, and perfectly situated on an expansive 0.67-acre lot surrounded by mature trees. Offering 4 bedrooms, 3.5 bathrooms, direct private access to Lake Thomas, and located in a no flood zone, this property combines peaceful natural beauty with modern design and functionality. A spacious covered front porch welcomes you; perfect for relaxing and enjoying the serene setting. Inside, you're greeted by a foyer that opens to the family room, where an oversized picture window showcases panoramic views of the yard, filling the space with natural light. The main living areas feature durable and stylish luxury vinyl flooring throughout. The expansive kitchen is truly the heart of the home. It offers an abundance of counter space, a large breakfast bar, all-white cabinetry, white tiled backsplash, stainless steel appliances, a built-in cooktop and oven, recessed lighting, and a generous walk-in pantry (6.5 ft x 8 ft). To one side of the kitchen is the massive living room (approximately 32.5 ft x 15 ft), lined with a wall of windows that gives the space a bright, sunroom-like feel. Double French doors lead directly to the outdoor deck, creating an effortless indoor-outdoor flow. On the opposite side, the formal dining room (approximately 12 ft x 19.5 ft) features beautiful wood-look ceiling beams and another wall of oversized windows with breathtaking lake views. Just off this space is a versatile office or flex room. The first-floor primary suite offers comfort and convenience, featuring large windows, well-maintained carpet, and an ensuite bathroom with a step-in shower, white cabinetry, and a spacious walk-in closet (approximately 4.5 ft x 16.5 ft). The bathroom showcases elegant marble-look tile flooring, while the closet continues the luxury vinyl flooring found in the main living areas. A nearby laundry room includes built-in storage, along with a stylish half bath featuring white and gold decorative tile, stone counters, and gold accents. Upstairs, a large flex space with new carpet provides additional living or entertainment options. The second and larger primary suite features abundant natural light, plush carpeting, and a beautifully appointed ensuite bathroom with marble-look tile floors, a step-in shower with built-in shelving, dual dark blue vanities, a freestanding soaking tub, a private water closet, and a walk-in closet. One of the two additional bedrooms upstairs offers a standard closet and another with a walk-in closet and a charming nook perfect for a reading area, vanity, or dresser. A third full bathroom upstairs continues the home's cohesive style with a step-in shower, stone counters, and white cabinetry. Step outside to enjoy the expansive backyard and peaceful lakefront setting. A large deck (partially covered) provides the perfect space for entertaining or relaxing while taking in the views of Lake Thomas, local wildlife, and surrounding nature. The property also includes a storage shed with ramp and a private dock, making it easy to launch a kayak or small boat directly from your backyard. This exceptional property offers the rare combination of modern updates, generous space, and direct lake access--all in a tranquil, tree-lined setting. The home also has the ability to be connected to public water.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,815
Sqft
0.67 ac
Lot size
2
Garage
1976
Year built
Two
Levels
$183
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 — not generic estimates.
$5,124 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,124/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 →
LUTZ 33548 — neighborhood snapshot
Population
8,678
Median age
40.7
Median income
$124,548
Median home value
$523,000
Avg household
2.92
Households w/ children
1,094
For the school run
Hillsborough 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)
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
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 19003 CEDAR LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19003 CEDAR LANE — 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
19003 CEDAR LANE FAQs
What would the monthly payment be for 19003 CEDAR LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,124/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 19003 CEDAR LANE?+
The most recent tax bill on record (2025) was $11,098. 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 19003 CEDAR LANE?+
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 $699,999, this home is listed about 43% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 19003 CEDAR LANE?+
Lutz K-8 School (elementary), Buchanan Middle School (middle), Steinbrenner High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
98 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Lutz K-8 School, Buchanan Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $749,999, now $699,999 — a $50K cut. The full history is in the market section below.
Listing courtesy of RE/MAX MARKETING SPECIALISTS · Ross Hardy. MLS #W7884876.
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 19003 CEDAR LANE 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 →