20853 HAULOVER COVE UNIT A12, LUTZ, FL, 33558
Active94 days on marketListed May 2, 2026MLS #W7885382
About this home
20853 HAULOVER COVE UNIT A12
Furnished turnkey 1-Bed/1-Bath condo located in the gated nudist/clothing-optional community of Paradise Lakes. This lovely condo has a contemporary look with neutral colors and tile flooring throughout. The kitchen features a 4-burner range, microwave, stainless steel refrigerator, sink, tile backsplash, and extra cabinets/shelving. The living room has comfy furnishings, drop-leaf table and chairs, desk and chair, and wall-mount flat screen TV. The bedroom has a king bed and combo washer/dryer unit for convenience. Full bath with tub-shower and tiled walls. A dedicated staircase provides easy access to the carpeted loft - great for guests or storage. Vaulted ceilings give this condo a spacious feel. Furnishings, appliances, and decor included! Building A is a short stroll to the community pier and lake located right around the corner. Buyer is responsible for verifying all information, details and dimensions. Condo association approval of Buyer is required including application, fee, background check, orientation, and membership in a recognized nudist organization. Optional membership to Paradise Lakes Resort is not included in monthly condo association fee.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
456
Sqft
0 ac
Lot size
1981
Year built
Two
Levels
$285
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.
$1,129 /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
$1,129/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
+24.2%
$/sqft vs PARADISE LAKES CONDO
$285 vs $229
Days on market
94 vs 46 typical
Where $285/sqft sits among the 13 homes for sale in PARADISE LAKES CONDO
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 Paradise Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Paradise Lakes — neighborhood snapshot
Population
1,656
Median age
42
Median income
$113,672
Median home value
$435,500
Avg household
3
Households w/ children
341
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
$541K → $600K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
7 of 13
PARADISE LAKES CONDO have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% below the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 20853 HAULOVER COVE UNIT A12
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$125,000
20857 HAULOVER CV UNIT B15 · same community
1 bd · 1 ba · 456 sqft · $274/sqft · 113 DOM
Sold · Aug ’25$121,500
1955 ABRICO DRIVE UNIT G7 · same community
1 bd · 1 ba · 456 sqft · $266/sqft · 364 DOM
Sold · May ’26$95,000
1881 MAZO MANOR UNIT I-2 · same community
1 bd · 1 ba · 456 sqft · $208/sqft · 232 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 20853 HAULOVER COVE UNIT A12 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20853 HAULOVER COVE UNIT A12 — 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
20853 HAULOVER COVE UNIT A12 FAQs
What would the monthly payment be for 20853 HAULOVER COVE UNIT A12?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,129/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 20853 HAULOVER COVE UNIT A12?+
The most recent tax bill on record (2025) was $1,758. 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 20853 HAULOVER COVE UNIT A12?+
The listing reports pets: Breed Restrictions, Number 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 $129,900, this home is listed about 74% below the Lutz median of $490,500. The market section on this page shows how the area is trending.
Which schools are assigned to 20853 HAULOVER COVE UNIT A12?+
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 33558 market on paper
$129,900 is 68% below the LUTZ 33558 median of $399,700.
02Tennis Court views
The tennis court view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
94 days on market against a Lutz median of 46 — sellers in this position are usually ready to negotiate.
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 EXCEPTIONAL REAL ESTATE · Jill Reid. MLS #W7885382.
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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