Lutz Homes under $400,000

Lutz Homes under $400,000

Welcome to Lutz, Florida – a hidden gem nestled in the heart of the Sunshine State! This vibrant community is known for its lush landscapes, friendly atmosphere, and an array of recreational opportunities that make it an ideal place to call home. Just a short drive from the bustling city of Tampa, Lutz offers the perfect blend of suburban tranquility and urban convenience.

One of the standout features of Lutz is its commitment to preserving natural beauty. With numerous parks, lakes, and nature trails, residents have ample opportunities to enjoy outdoor activities like hiking, biking, and fishing. The area is also home to top-rated schools, making it a fantastic choice for families looking for a nurturing environment for their children.

For those seeking affordable housing options, Lutz has an enticing selection of homes priced under $400,000. Whether you're a first-time homebuyer, a growing family, or someone looking to downsize, you’ll find a variety of charming properties that suit your needs. From cozy single-family homes with spacious yards to modern townhouses with community amenities, there’s something for everyone in this thriving market.

Investing in a home in Lutz means more than just finding a place to live; it’s about embracing a lifestyle filled with community spirit, outdoor adventures, and a welcoming atmosphere. With its affordable real estate options and picturesque surroundings, Lutz is truly a place where dreams can take root. Come discover the joys of living in Lutz, where your perfect home awaits!

Newest Lutz Homes under $400,000

no property photo
$115,000
1 Baths ⋅ Paradise Lakes Ph 03e SubDv. ⋅ 33558 Zip Code
BIG STYLE, SMART DESIGN, MAJOR 2024/25 UPDATES & A FINANCING OPPORTUNITY! Existing financing may be available to a qualified buyer through March 1, 2034, subject to note holder approval and applicable terms. A TRANSFERABLE HOME WARRANTY provides additional peace of mind for the next owner. This light and bright 3rd-floor corner studio makes exceptional use of its 392 SF with a strategically placed Murphy bed featuring a powder-coated steel frame and organic cotton queen mattress. When tucked away, the Murphy bed opens up the living area, where a comfortable loveseat and projection system create a flexible space that easily transitions from relaxing and entertaining to sleeping. The updated kitchen features new cabinetry, refrigerator and range, while extensive 2024/25 improvements also include a new A/C system with UV light, new ductwork, new attic insulation, new water heater, interior paint and more. A new RO drinking-water system is installed, plus an optional serviced water-softener system that may remain for a separate monthly fee or be removed. Step outside to the approximately 196-SF screened and covered lanai overlooking the pond—bringing the combined interior and screened-lanai space to approximately 588 SF. Ceiling fans in both the main living area and lanai keep the air moving, while the corner location offers a peaceful setting convenient to both the elevator and stairs. The bathroom features a walk-in shower with glass doors and a calming sea-glass-inspired color palette. Thoughtful improvements throughout give this studio a surprisingly spacious, clean and comfortable feel. Located in the gated, clothing-optional Paradise Lakes community with convenient access to the club by foot or golf cart. Optional membership to Paradise Lakes Resort and its amenities is separate and is not included in the monthly condo association fee. Whether you're looking for a Florida home base, full-time residence or rental opportunity, this updated studio offers flexibility in a compact, easy-to-maintain package—with a financing option that may be difficult to duplicate in today's market. Buyer to verify rental rules, financing terms and eligibility, home warranty transfer terms, measurements, square footage, association requirements and all information important to Buyer. Condo association approval is required and may include application, fee and background check.

2164 Vista Del Sol Circle Unit 523, Lutz
21019 Sunpoint Way Unit #201, Lutz
$324,900
3 Beds ⋅ 2 Baths ⋅ Terraces At Paradise Lakes Condo SubDv. ⋅ 33558 Zip Code
Beautifully renovated clean home featuring a brand new white kitchen with quartz countertops, stainless steel appliances, new LVP flooring throughout as well as 2 updated bathrooms. The new mechanicals and hot water heater provide added peace of mind and are just a few of the other upgrades that make this a great value at this price. Easy to show, bring all offers.

21019 Sunpoint Way Unit #201, Lutz
21610 Lagoon Drive, Lutz
$295,000
4 Beds ⋅ 2 Baths ⋅ Foxwood Sub Ph 4 SubDv. ⋅ 33549 Zip Code
Welcome to 21610 Lagoon Dr, a beautifully updated 4-bedroom, 2-bathroom home offering a warm, inviting feel with plenty of space both inside and out. Step inside to a bright and welcoming main living area where high ceilings create an open, airy atmosphere while still maintaining the cozy feel that makes this home so comfortable. Thoughtful updates throughout give the home a fresh, move-in-ready feel, while the functional floor plan offers flexibility for everyday living, entertaining, working from home, or hosting guests. Outside, the generously sized backyard provides plenty of room to relax, entertain, garden, or create your own outdoor retreat. One of the standout features is the detached, finished-out shed, offering a versatile bonus space with endless possibilities perfect for a home office, studio, hobby room, gym, or additional flex space. A second storage shed provides even more room for tools, lawn equipment, and everything you want neatly tucked away. With four bedrooms, updated interiors, high ceilings, a spacious yard, and unique bonus spaces, this home offers a combination of comfort, character, and functionality that can be hard to find. Come see what makes 21610 Lagoon Dr feel like home!

21610 Lagoon Drive, Lutz
1413 Windjammer Loop, Lutz
$370,000
3 Beds ⋅ 2 Baths ⋅ Turtle Lakes SubDv. ⋅ 33559 Zip Code
Great pond home with a brand new roof sitting on a pond! Picture your mornings starting on the water. This Lutz home offers true pond frontage with a private composite-board dock just steps from your back door, and access to multiple ponds for paddleboarding, canoeing, or cruising in a john boat with a trolling motor. Add a brand-new roof overhead, and you get the peaceful waterfront lifestyle buyers want without the big-ticket worry that usually comes with an older home. The composite dock keeps maintenance low, with no rot or splinters to deal with, so more of your time goes to enjoying the water. The updates don't stop at the roof. A new A/C system, fresh paint throughout, and new flooring in select areas mean you can move in with confidence. Inside, more than 1,600 square feet flow through an open layout that connects the living, dining, and kitchen spaces. The kitchen features stainless steel appliances, and the two-car garage provides plenty of room for vehicles, storage, and your gear for the water. Out back, the covered, screened patio is an easy place to relax and take in the water views without the bugs. A tree house in the backyard adds charm and character you won't find in a typical listing. The location is just as convenient as the setting, with the outlet mall and a new grocery store close by for everyday errands and weekend shopping. With the major systems already replaced, direct water access out your back door, and shopping minutes away, this home offers a rare mix of peace of mind and lifestyle. Schedule your showing today.

1413 Windjammer Loop, Lutz
21004 Negril Court, Lutz
$370,000
3 Beds ⋅ 2 Baths ⋅ Paradise Lakes Individual SubDv. ⋅ 33558 Zip Code
This one owner custom built home at the end of a cul-de-sac in an exclusive gated "individual site condominium" community is ready for you to call it home. This two story Home in Paradise Lakes a clothing optional community has an open floor plan on the first floor with high angled ceilings that goes into sun room with surrounding windows and a built "in sink". There is plenty of room for entertaining your guests.. The upstairs also has angled ceilings making this 3 bedrooms 2 bath home a very unique custom built home designed by the original owner. New AC with heat pump and gas hot water heater in 2025 which are hidden away behind a swinging bookcase in the center of the home. LG Washer & LG Dryer 2020 and Roof 2024. The large great room and kitchen combo have a view to the upstairs landing on the second floor. The second floor landing has a sliding glass door to enjoy the view nature. The bedroom on the primary floor has one large walk-in closet and another closet with storage that goes under the staircase and sliding glass doors. The front bedroom on the first floor also has hot and cold water and electric connections in the closet.. opening up the possibilities. The third bedroom upstairs has a extremely large naturally wood finished walk-in closet and also a small storage closet. The property has been landscaped with "zerxiscaping" with paths winding around the property with bamboo and other vegetation. It makes this property ideal for gardeners or nature lovers to enjoy the wonderful outdoor environment. This property also has a storage shed in the backyard and outside laundry room connected to the home. Let's not forget the 16‘ x 16‘ deck for entertaining or just relaxing. Paradise Lakes Resort is separate from this residential area. The Resort membership is not included and is optional.

21004 Negril Court, Lutz
902 Montana Avenue, Lutz
$179,900
2 Beds ⋅ 2 Baths ⋅ Lake Sapphire Village Unit 1 SubDv. ⋅ 33548 Zip Code
Own your own piece of land with this 2 bedroom / 1.5 bath mobile home conveniently located in a quiet neighborhood just 10 minutes from shopping, hospitals, restaurants, A-rated schools and more. Just 27 min from downtown Tampa and the airport and only 50 min to Honeymoon Island State Park and Florida's pristine sandy beaches. This corner lot abounds with mature trees and has NO HOA or CDD and comes with a NEW $15,000 well and Superior Water Filtration system complete with softener and chlorinator. The well production rate is phenomenal over 50 gallons /minute so never a water shortage. Best of all, NO water bills ever again. Upgrades include the replacement of old metal plumbing with new PEX pipes, fittings and hot water heater cylinder along with a new Bath/shower combo. The kitchen has been updated with new cabinetry, sink and stainless steel appliances as well as, 3 A/C wall units. Adjacent to the trailer is a new 120 square ft. building that houses a laundry area which could also be used as a seperate bedroom / office space. Additionally, there is a near new $5,300 Conex container for extra secure, weatherproof storage. Perimeter fencing for added security and privacy totaling $8,000 has also enhanced the property. Calling all cooks, there is also a gas grill under the porch awning perfect for grilling your next BBQ cook out. Bring your apron! If buyer is interested, owner will consider including the 2022 camper trailer on-site which is connected to and RV hook-up alllowing for extra living space and an additional bedroom/bathroom with a seperate shower. The camper is in excellent condition and can be towed with most midsize SUVS or Trucks for those fun get-aways on weekends or vacations. As one of the more affordable properties in the area, this is the total package for your next home , vacation stay or rental investment. Don't hesitate call today for your private showing.

902 Montana Avenue, Lutz
1509 Cassius Street, Lutz
$309,900
3 Beds ⋅ 3 Baths ⋅ Willow Square Twnhms SubDv. ⋅ 33549 Zip Code
Welcome to 1509 Cassius St, a modern townhome located in the gated Willow Square community of Lutz. Built in 2021, this beautifully maintained two-story home offers approximately 1,634 square feet of living space with 3 bedrooms, 2.5 bathrooms, and a bright, functional layout designed for comfortable everyday living. The main level features a spacious open-concept design seamlessly connecting the kitchen, dining area, and living room—ideal for both daily living and entertaining. The well-appointed kitchen features sleek cabinetry, granite countertops, stainless steel appliances, and ample workspace and storage. Upstairs, all three bedrooms provide added privacy from the main living areas. The primary suite offers a comfortable retreat, while the two additional bedrooms provide flexibility for family, guests, a nursery, or a home office. Enjoy the added privacy and peaceful preserve views that make this townhome especially appealing. Willow Square offers a gated setting with community amenities including a swimming pool and cabana, providing low-maintenance Florida living in a convenient location. The home is zoned for Lake Myrtle Elementary, Charles S. Rushe Middle, and Sunlake High School and is conveniently located near Tampa Premium Outlets, The Shops at Wiregrass, restaurants, shopping, and everyday conveniences. Easy access to I-75, I-275, and the Veterans Expressway (SR-589) provides convenient connections to Downtown Tampa, Wesley Chapel, Tampa International Airport, and surrounding areas. Don't miss this opportunity to own a newer end-unit townhome with preserve views in a desirable Lutz community. Schedule your private showing today!

1509 Cassius Street, Lutz
2007 E 148th Avenue, Lutz
$279,000
3 Beds ⋅ 2 Baths ⋅ Northside Mobile Villa Unit 1 SubDv. ⋅ 33549 Zip Code
1,731 SF Manufactured home for sale off of Bearss St. Subject makes for an Excellent location as a winter retreat or year round residence. Constructed in 1996, a 3 bedroom 2 bathroom, Double-wide MH and sits on 0.26 Acre lot. Yard is perfect to host family gatherings and bar b ques, easy ingress and egress for vehicles. Exterior large enough for garden & Agricultural uses. Home is equipped with a Great split floor plan, a cozy living room with fireplace (not connected) and Kitchen with plenty of Cabinet Space. Bedrooms are Spacious and with carpet throughout. Master Bath is equipped with a garden tub and separate shower with his and hers vanity sinks walk in shower. Call today for Additional details and make appointment to view.

2007 E 148th Avenue, Lutz
20182 Cot Road Unit 505, Lutz
$310,000
2 Beds ⋅ 2 Baths ⋅ Lake Como Club Residence Coop SubDv. ⋅ 33558 Zip Code
located in the family-friendly nudist club, Lake Como, this waterfront 2bedroom/2 full bath home is on a great lot. enjoy the water view from the expansive French doors across the rear of the house or outside on the rear porch patio. Owner prefers to convey the home mostly furnished, also the newer lawn equipment and 2022 Ezgo golf cart and kayak. This also includes a share in the Lake Como Co-op. gorgeous KitchenAid refrigerator, newer wall oven and large cooktop on island/breakfast bar. Living room faces the water, has dining room, family room. Ceiling fans, carpet in living areas and bedrooms, ceramic tile in kitchen & vinyl in baths. Master bedroom has nice white shutters and ceiling fan with light. Also, 2 exterior sheds; the larger one has electricity. All windows have been replaced and the sliding glass door entrance. Built by the reputable Homes of Merit. All the exterior wood siding has been updated with Hardie Board siding too. Rear deck was updated with Trex composite decking boards. Roof replaced by Solar Shield Roofing (metal). Waterfront homes here are hard to find.

20182 Cot Road Unit 505, Lutz
717 W Deer Lake Drive, Lutz
$392,500
3 Beds ⋅ 2 Baths ⋅ Frazier Sub SubDv. ⋅ 33548 Zip Code
Welcome to 717 Deer Lake Dr! This well-maintained 3-bedroom, 2-bath home offers 1,286 square feet of comfortable living space on a spacious lot over 1/4 acre with no rear neighbors and a peaceful lake setting behind the property. Built in 1964, this home has been thoughtfully updated with major improvements already completed, including a 2020 roof, 2023 windows, 2020 HVAC system, 2020 water heater, updated plumbing, and electrical panel. Enjoy the added benefits of a water softener and reverse osmosis system, providing convenience and peace of mind. The spacious lot and serene rear setting create a private atmosphere while still offering the convenience of NO HOA. Located in a quiet Lutz neighborhood with easy access to Tampa, shopping, dining, schools, and major roadways, this property offers a great combination of privacy, updates, and location. Move-in ready and ready for its next owner—come see all that 717 Deer Lake Dr has to offer!

717 W Deer Lake Drive, Lutz
1417 Foggy Ridge Parkway, Lutz
$380,000
3 Beds ⋅ 2 Baths ⋅ Turtle Lakes SubDv. ⋅ 33559 Zip Code
Virtually Staged. Some homes ask you to imagine what they could become. This one lets you move in and enjoy what has already been done. New waterproof luxury vinyl plank flooring flows throughout, fresh interior paint creates a clean and welcoming feel, and the fireplace adds warmth and character. The completely renovated kitchen offers a fresh, modern look, while the updated primary bathroom carries that same refreshed style into the owner’s suite. Recent improvements include a roof replaced in 2021, an A/C system installed in 2025 and a water heater replaced in 2025. The enclosed, air-conditioned Florida room provides flexible bonus space beyond the main living areas perfect for a family room, home office, playroom, fitness area or entertaining space. Outside, mature trees bring beauty and shade to the chain-link-fenced yard, with room for pets, gardening and outdoor gatherings. With no HOA, you have greater freedom to enjoy the property your way. Conveniently located near State Road 54 and I-75, the home offers easy access to shopping, dining, healthcare, Tampa Premium Outlets, The Shops at Wiregrass and the many amenities of Lutz and Wesley Chapel. Come see the updates, explore the extra space and discover everything this home has to offer schedule your private showing today!

1417 Foggy Ridge Parkway, Lutz
17030 Vilesta Drive, Lutz
$375,000
3 Beds ⋅ 3 Baths ⋅ Crenshaw Reserve SubDv. ⋅ 33548 Zip Code
Welcome luxury living in the gated community of Crenshaw Reserve! This townhome features 3 bedrooms, 2.5 bathrooms, and an expansive upstairs entertainment room. Step inside to soaring high ceilings, gorgeous crown molding throughout the first floor, elegant window blinds, and ceiling fans throughout. The kitchen shines with sleek granite countertops, an undermount sink, stylish tile backsplash, premium stainless-steel appliances, and chic pendant lighting framing the breakfast bar. Conveniently located on the first floor, the primary retreat offers a spacious walk-in closet and ensuite bathroom complete with dual sinks and a gorgeous tile shower with a built-in shower niche. Upstairs, you will find generous guest quarters featuring a second bathroom with dual sinks and a custom tile shower with niche as well. Additional highlights include a convenient two-car garage and a fantastic outdoor living space boasting a covered, screened patio paved with beautiful stone. Community amenities include a neighborhood pool within a stone-accented pavilion. Showings are a breeze, so book your appointment now!

17030 Vilesta Drive, Lutz
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