22645 Saint Thomas Cir, Lutz, FL, 33549
About This Home
Foreclosure Auction Ends August 20, 2026 at 11:00 AM EST. Explore this charming 2-bedroom, 2-bath residence set in a peaceful and well-located Lutz community. The list price is the opening bid for the online auction. Sold As-is.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1999
Materials
- Roof: Other
- Construction materials: See Remarks
Type & Style
- Home type: SingleFamily
- Architectural style: One Story
- Property subType: Single Family Residence
Interior
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Other
Garage
- Level: Main
Heating & Cooling
- Heating features: None
- Cooling features: None
Interior Area
- Total structure area: 1,312
- Total interior livable area: 906 sqft
Property
Details
- Parcel number: 3126190140000000170
- Zoning description: MPUD
- Special condition: Auction
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Front Porch,Open
- Frontage length: 0
Lot
- Lot size: 3,920 sqft
Parking
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Tornado
- Inland Flooding
- Lightning
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pasco County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $25 | $300 |
| Home Insurance * | $4 | $48 |
| Property Taxes | $8 | $96 |
| Electricity | $197 | $2,366 |
| Total | $234 | $2,808 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
No price history available
View on Zillow