18928 WILLOWMORE CEDAR DRIVE, LUTZ, FL, 33558
Active7 days on marketListed Jul 16, 2026MLS #TB8529065
About this home
18928 WILLOWMORE CEDAR DRIVE
Welcome to this beautifully maintained 5-bedroom, 3-bathroom home offering nearly 2,900 square feet of thoughtfully designed living space in a private gated community in the heart of Lutz. Built in 2019, this move-in-ready home combines modern finishes, a functional layout, and an unbeatable location. Designed with flexibility in mind, the home features a first-floor primary suite along with one secondary bedroom and a full bathroom on the main level, making it ideal for guests, multigenerational living, or a home office. The spacious open-concept living area flows seamlessly into the gourmet kitchen, complete with quartz countertops, ample cabinetry, and generous workspace for cooking and entertaining. Quartz countertops continue throughout all bathrooms, creating a cohesive, upscale feel. Upstairs, you'll find a large loft that offers endless possibilities as a media room, playroom, or second living area. Three additional bedrooms share a spacious bathroom featuring dual sinks, providing plenty of room for family and guests. Step outside to enjoy the large covered and screened lanai, perfect for relaxing or entertaining year-round, overlooking a fully fenced backyard with plenty of space for pets, play, or future outdoor enhancements. Located in a desirable gated community and zoned for A+ rated schools, this exceptional home is just minutes from shopping, dining, parks, and major highways, offering easy access to everything the Tampa Bay area has to offer. Don't miss your opportunity to own this exceptional Lutz home—schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,859
Sqft
0.13 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$227
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.
$4,894 /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
$4,894/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.
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
−4.6%
Days on market
7 vs 35 typical
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
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 76% above the LUTZ 33558 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18928 WILLOWMORE CEDAR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18928 WILLOWMORE CEDAR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
18928 WILLOWMORE CEDAR DRIVE FAQs
What would the monthly payment be for 18928 WILLOWMORE CEDAR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,894/mo — principal and interest, the actual property-tax bill, the $200/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 18928 WILLOWMORE CEDAR DRIVE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18928 WILLOWMORE CEDAR DRIVE?+
The most recent tax bill on record (2025) was $9,402. 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 18928 WILLOWMORE CEDAR DRIVE?+
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 $649,900, this home is listed about 33% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18928 WILLOWMORE CEDAR DRIVE?+
McKitrick Elementary School (elementary), Martinez 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
Three things that matter here
01Positioned at the premium end
$649,900 runs 76% above the LUTZ 33558 median — but at 2,859 sqft it's also 34% larger than the typical Lutz listing.
02Fresh on the market
Only 7 days on market in a Lutz market that averages 35 — if it fits, move quickly.
03Strong assigned schools
McKitrick Elementary School, Martinez Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — McKitrick Elementary School rates 5 of 5. Always verify assignments with the district.
Listing courtesy of FUTURE HOME REALTY INC · Ryan Sack. MLS #TB8529065.
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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