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1821 LAKE HERON DRIVE, Lutz, FL, 33549

4beds
2baths
2,202sqft
$450,000
$204price/sqft
$3,448/moest. monthly cost
$137,920/yrincome needed

About This Home

Welcome to 1821 Lake Heron Dr., Lutz, FL a truly one-of-a-kind waterfront townhome, originally built as the community developer's personal residence and unlike any other unit in Lake Heron! Nestled among mature oak trees on a quiet street at the back of the community, this end-unit villa offers panoramic lake views and over $84,000 in upgrades since 2024, including a full remodel of 2 ½ bathrooms, new porcelain tile and carpet flooring, whole-house painting, modern 5/4 baseboard moulding, new LED lighting, an epoxy garage floor with custom storage cabinets, a whole-home water softener and reverse osmosis system, a new driveway, and new hurricane windows and doors with a transferable warranty. The largest home in the community spanning over 2,200 sq ft across two stories, this 4-bedroom, 2.5-bath home features vaulted ceilings, gleaming wood floors, and lake views from every bedroom. The primary suite offers dual walk-in closets and a spa-like bath with dual sinks, dual showerheads, a built-in bench, and transom window. A central vacuum system and two-car garage add everyday convenience. Unwind on your screened porch with private dock access, perfect for boating, fishing, or sunset views. Maintenance-free Lake Heron offers a clubhouse, pool, spa, tennis and pickleball courts, brick walking paths, and a waterfront gazebo with low HOA, no CDD fees, and no flood insurance required (X zone). AC replaced 2016, roof 2014. Minutes from shopping, dining, and major highways. Schedule your private showing today.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

6/10
7/10
7/10
Sunlake High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Kitchen Reverse Osmosis System,Microwave,Range,Refrigerator,Water Softener,Whole House R.O. System
  • Laundry features: Inside

Bedroom2

  • Features: Built-in Closet
  • Level: Second

Bedroom3

  • Features: Built-in Closet
  • Level: Second

Bedroom4

  • Features: Built-in Closet
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen/Family Room Combo,Primary Bedroom Main Floor
  • Flooring: Carpet,Porcelain Tile
  • Common walls with other units/homes: End Unit

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,744
  • Total interior livable area: 2,202 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 182636017.0004.00032.0
  • Zoning: MF1
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Other
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Privileges

Lot

  • Lot size: 10,430 sqft

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Tornado
Inland Flooding
Lightning
Wildfire
Tsunami

FEMA Declared Disasters in Pasco County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,275$27,300
Home Insurance *$378$4,536
Property Taxes $574$6,888
Electricity $221$2,659
Total$3,448$41,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,217/yr
40% on housing$103,440/yr
45% on housing$91,946/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 33549$190
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 33549$262
Pasco County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-29Listed for sale$450,000
2024-05-24Sold$415,000
2024-04-23Pending sale$449,000
2024-03-30Listed for sale$449,000

For Sale by Agent

AgentLisa Kirkpatrick
BrokerageCENTURY 21 LIST WITH BEGGINS

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