Lutz Homes with Lake Front Frontage

Lutz Homes with Lake Front Frontage

Welcome to Lutz, Florida, a picturesque gem nestled in the heart of the Tampa Bay area. Known for its serene landscapes and friendly community, Lutz offers a perfect blend of suburban tranquility and urban convenience. With its lush greenery, charming parks, and proximity to major highways, residents enjoy easy access to the vibrant culture and amenities of nearby Tampa while savoring the peace of a quieter lifestyle.

One of the standout features of Lutz is its stunning lakefront properties. Imagine waking up to the gentle sounds of water lapping at your doorstep and breathtaking views of the sun setting over the water. Homes with lakefront frontage in Lutz provide not just a residence, but a lifestyle that embraces nature and outdoor living. Whether you enjoy fishing, kayaking, or simply lounging by the water, these properties offer an unparalleled connection to the natural beauty surrounding you.

The real estate market in Lutz is diverse, catering to a range of preferences and budgets. From charming single-family homes to luxurious estates, the options are as varied as the landscape itself. Many lakefront homes feature spacious yards, private docks, and expansive patios, ideal for entertaining or enjoying quiet evenings under the stars.

In Lutz, you’re not just buying a home; you’re investing in a lifestyle that celebrates the great outdoors. With a strong sense of community, excellent schools, and a wealth of recreational activities, Lutz is the perfect place to call home. Come explore the lakefront properties that await you and discover the charm of living in this beautiful Florida city!

Newest Lutz Homes with Lake Front Frontage

22980 Scaglione Drive, Lutz
$620,000
Willow Reserve Tr C-1 SubDv. ⋅ 33549 Zip Code
Nestled on the Hillsborough–Pasco County border, this extraordinary 33.39-acre private estate offers approximately 5 acres of upland, including roughly 1 acre that is leveled and ready to build, featuring a private ±7-acre lake with the remaining ±20 acres of conservation and wetlands — delivering a rare blend of natural beauty, privacy, and convenience. The expansive buildable homesite boasts beautiful views and presents an unparalleled opportunity to create your dream estate. Do you like to go fishing, kayaking, or on tiki boat rides? This property features a 7 acre lake and you would own the entire lake, with no other neighbors and no HOA. The private lake has lots of bass and excellent fishing, and you can go anytime you want, day or night. Tucked away at the back of the Willow Reserve community, the property is accessed by a private 490-foot paved driveway, providing exceptional seclusion. There is no HOA or CDD, allowing complete freedom to design a custom retreat, including the ability to add gated access. Public county water (not well), county sewer (not septic), and electricity have all been brought to the property and stubbed out at the homesite. Ideally located just minutes from I-75, Tampa Premium Outlets, Wiregrass Mall, and a nearby Publix, this estate offers unmatched accessibility without sacrificing tranquility, surrounded by preserved natural beauty and abundant wildlife including sandhill cranes and deer—an exceptional canvas for a private family compound, luxury residence, or secluded retreat.

22980 Scaglione Drive, Lutz
1340 Eastwood Drive, Lutz
$337,000
4 Beds ⋅ 2 Baths ⋅ Cypress Cove Sub SubDv. ⋅ 33549 Zip Code
Enjoy waterfront living in Lutz, with a lovely lake view and a wood dock for relaxing by the water or making the most of lakeside surroundings. The spacious backyard offers plenty of room to entertain, garden, play, or simply unwind outdoors. Key updates include a roof replaced in 2021 and an AC system installed in 2016. With its waterfront setting, inviting outdoor space, and convenient Lutz location, this home offers a wonderful opportunity to enjoy a relaxed Florida lifestyle. Schedule a showing and experience the property for yourself. Call or text for a private showing!

1340 Eastwood Drive, Lutz
16421 Hanna Road, Lutz
$465,000
3 Beds ⋅ 2 Baths ⋅ Unplatted SubDv. ⋅ 33549 Zip Code
Virtually Staged. **COUNTRY LIVING WITH ROOM TO ROAM!** Discover the charm and possibilities of this 3-bedroom, 2-bath home situated on approximately 1.3 acres of beautiful, park-like property! With sprawling grassy areas, mature oak trees providing a gorgeous canopy of shade, and property extending all the way to the lake, this is a rare opportunity to enjoy peaceful country living with plenty of room to make it your own. Inside, you'll find spacious bedrooms, abundant storage, and a kitchen offering plenty of countertop space and solid wood cabinetry. The generously sized primary suite features a large en suite bathroom and an enormous walk-in closet. French doors open to your private backyard paradise, while the welcoming front porch overlooks the expansive front lawn. An open rear patio provides another inviting space to relax, entertain, or simply enjoy the natural surroundings. **BRING YOUR HORSES, HOBBIES, OR GARDENING DREAMS!** With ASC-1 zoning allowing for horses, this property offers wonderful possibilities for equestrian enthusiasts. Not a horse lover? No problem! The existing barn could make a fantastic workshop, hobby space, she-shed, or man cave! Two additional storage sheds provide even more room for tools, equipment, and all your outdoor essentials. Love to garden? You'll appreciate the established pineapple plants, beautiful oak trees, and ample open space to create your own garden oasis. Whether you envision raising horses, working on projects, growing your own fruits and vegetables, or simply enjoying the privacy and beauty of nature, this property offers the space and flexibility to bring your vision to life. Additional features include a private well with a water purification system and septic system. **SPACE, PRIVACY, CHARACTER, AND ENDLESS POSSIBILITIES!** Come discover everything this unique property has to offer!

16421 Hanna Road, Lutz
19015 Fern Meadow Loop, Lutz
$899,900
5 Beds ⋅ 4 Baths ⋅ Fern Glen SubDv. ⋅ 33558 Zip Code
Major Market Price Improvement! Welcome to this fully turn key 5-bedroom PLUS OFFICE, 3.5-bathroom, 2-car garage POOL home located in the desirable gated community of Fern Glen! One of the largest properties in the neighborhood, this BLOCK single family home is nestled directly on Fern Lake, and has a custom in-ground pool surrounded by brick pavers with enclosed pool cage creating an outdoor oasis. The space is perfect for entertaining and the outdoor kitchen is located just under the enclosed patio so you can grill rain or shine! As you walk into the home you’ll get full water views. The inside has been fully remodeled to create a space that is timeless, open, and functional. The kitchen has been upgraded with a massive island, all new soft close cabinetry, double pantry encased fridge and so much more. All of the bathrooms and laundry spaces have been remodeled as well to create a cohesive design that draws inspiration from a common color pallet yet feels unique to each space. The home additionally features all new fully Luxury Vinyl Plank floors that seamlessly flow throughout. The property is in the highly coveted flood zone X which makes flood insurance optional. This 2003 single family home features 10' ceilings throughout, 2021 Shingle Roof, 2025 new HVAC system including a 2nd upstairs unit. Even the staircase has been fully redone in a high-end white oak tread stained to match the dark wood of the kitchen and home. Upstairs you’ll find the loft or what can double as a 5th bedroom or playroom! Other highlights include: fully fenced in back yard, irrigation system, garage door opener with remotes, and several large closets for extra storage. The neighborhood is in an A-rated school district (Steinbrenner K-12). The central location offers quick access Veteran's Expressway, Dale Mabry Highway, Tampa International Airport, Clearwater Beach and Downtown Tampa. Don’t miss your chance to make this gorgeous property your own, schedule your showing today!

19015 Fern Meadow Loop, Lutz
18810 Geraci Road, Lutz
$415,000
3 Beds ⋅ 2 Baths ⋅ Unplatted SubDv. ⋅ 33548 Zip Code
Lakefront living in Lutz, with room to make it entirely yours! This 3 bedroom, 2 bathroom home at 18810 Geraci Rd sits right on the water, and part of the back porch actually extends out over the lake. Inside, the home is ready for a complete update, a true blank canvas for the buyer who wants to choose every finish, from the flooring to the kitchen to the bathrooms and bedrooms, and put their own touches on every room. Outside you find the real showstopper: morning coffee and quiet evenings on a porch that hangs over the water, with a lake view you simply cannot add to a home later. A brand new roof installed in August 2026 and a 2-car garage complete the package. Bring your vision and see it in person. Appraisal completed on AS IS condition of home prior to new roof being placed on home. Please review that prior to submitting offers. Ask about preferred lender incentives! Buyers may qualify for rate buy down options, including 1-0 buyer down, to help lower payments.

18810 Geraci Road, Lutz
18829 Geraci Road, Lutz
$1,500,000
4 Beds ⋅ 4 Baths ⋅ Zzz Unplatted SubDv. ⋅ 33548 Zip Code
Enjoy lakefront living with 87 feet of frontage on ski-friendly Lake Thomas, a covered boat dock with lift, and expansive water views. This 4-bedroom, 4-full-bath home offers 4,268 square feet of generous living spaces for gathering, entertaining, and relaxing in a convenient Lutz location. Leaded-glass double entry doors welcome you inside, where coffered ceilings, crown molding, and transom windows add architectural character. Separate formal living and dining rooms complement a comfortable family room with a wood-burning fireplace and expansive sliding glass doors overlooking the lake. The kitchen features an island cooktop, breakfast bar, built-in ovens, wine refrigerator, and abundant cabinetry. The main-floor primary suite captures lake views through bay windows and includes dual walk-in closets with built-ins, dual sinks, a garden tub, and a separate walk-in shower. Two additional bedrooms and a dedicated office complete the main level. Upstairs, a fourth bedroom and full bath accompany a spacious bonus room and an impressive 29-by-16-foot media room. Outdoor living shines on the covered, screened lanai with brick pavers, opening toward a sun deck and covered boat dock with lift. An attached 3-car garage completes the home. Conveniently located near shopping, dining, and major highways and within the Steinbrenner High School attendance area, this property brings together spacious living and the enjoyment of life on Lake Thomas.

18829 Geraci Road, Lutz
717 W Deer Lake Drive, Lutz
$387,500
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
17018 Dennis Road, Lutz
$1,050,000
5 Beds ⋅ 3 Baths ⋅ Unplatted SubDv. ⋅ 33558 Zip Code
Do not miss your opportunity to own this ONE-OF-A-KIND LAKEFRONT ESTATE situated on an incredible 1.38-acre property with 117 feet of WATER FRONTAGE on two connecting lakes—Lake Helen and Lake Ellen! Located in the highly sought-after STEINBRENNER school district, this renovated 5 Bedroom + 3 Bath block home offers beautiful designer touches, incredible WATER VIEWS, a composite boat dock and boathouse, a spectacular 900 sq ft Florida room, an oversized workshop/bonus space, separate storage building, and an expansive driveway with parking for 8+ vehicles or an RV. Inside, the open floorplan is filled with natural light and showcases beautiful lake views from many of the main living areas through newer windows accented with plantation shutters. The spacious kitchen is perfect for entertaining and features stainless steel appliances, granite countertops, an oversized center island, and a separate bar area with a wine refrigerator. One of the most impressive features of this home is the Florida room featuring soaring cathedral ceilings, an abundance of space for entertaining, and three sets of French doors overlooking the lake. Whether hosting a large gathering or simply relaxing and enjoying the peaceful waterfront setting, this incredible space takes full advantage of the property's beautiful views. The fifth bedroom offers an impressive 529 sq ft of flexible living space and the former garage has also been converted into an expansive multipurpose workshop/bonus space, providing even more flexibility for hobbies, storage, recreation, or workspace. Enjoy true waterfront living with lots of room to entertain, relax, and enjoy the outdoors. The composite dock and boathouse, built in 2021, provide direct access to the connecting lakes where you can enjoy boating, skiing, fishing, or simply taking in the peaceful water views. The exterior has also been updated with Hardie Board siding, and the oversized property offers approximately .80 acre of land with the remaining acreage consisting of riparian rights associated with the lake. All of this in an incredibly convenient location near St. Joseph's Hospital-North, Publix, the Veterans Expressway and Suncoast Parkway, with Tampa International Airport approximately 15 minutes away. This is a truly unique opportunity to own an expansive lakefront property with exceptional indoor and outdoor living space in one of the area's most desirable school districts

17018 Dennis Road, Lutz
18916 Geraci Road, Lutz
$575,000
4 Beds ⋅ 2 Baths ⋅ Cypress Park SubDv. ⋅ 33548 Zip Code
Virtually Staged. Welcome to your own piece of lakefront living in Lutz! Set on an oversized, fenced corner lot totaling approximately .54 acres, with a portion extending into the lake, this 4-bedroom, 2-bath home with a 2-car garage offers an incredible combination of space, privacy and waterfront enjoyment. The roof was replaced in 2021, and the AC was replaced in 2023. Inside, the open and spacious floor plan is filled with natural light and beautiful lake views. The kitchen serves as the heart of the home, featuring quartz countertops, a large center island, abundant cabinetry, a tiled backsplash and plenty of space for gathering. It opens directly to the main living area, where vaulted ceilings and sliding glass doors draw your attention toward the water. A formal dining room provides additional space for entertaining, while the fourth bedroom can easily function as a home office or den, depending on your needs. The spacious primary suite enjoys lake views, two walk-in closets, direct access to the outdoor living area and a private bath with dual sinks, a garden tub and a separate shower. The additional bedrooms offer plenty of space for family and guests. One of the highlights of the home is the huge covered and screened lanai overlooking the backyard and lake—the perfect place to relax, entertain or simply enjoy the peaceful waterfront setting. Head down to your private dock to fish, launch a kayak or canoe, and enjoy the lake right from your own backyard. The spacious yard offers room for a boat, RV and all the extras that come with enjoying the Florida lifestyle. Per information provided by Hillsborough County, the property qualifies for its water expansion program, offering the opportunity to connect to county water. Buyer to verify connection availability, costs and any required extensions directly with Hillsborough County. When you’re ready to venture out, you’ll be conveniently located near shopping, restaurants, medical facilities, county parks and interstate access. Brooker Creek Headwaters Nature Preserve, featuring a 4.3-mile hiking trail, is also nearby for those who enjoy spending time outdoors. Voluntary community association; membership and annual contribution are optional. And all this in the Steinbrenner School district! This wonderful combination of lakefront living, space, privacy and convenience makes it a fantastic place to call home. Call today to schedule your private tour and see everything this beautiful property has to offer!

18916 Geraci Road, Lutz
18200 Cypress Cove Lane, Lutz
$690,000
4 Beds ⋅ 3 Baths ⋅ Cypress Cove SubDv. ⋅ 33549 Zip Code
Virtually Staged. New roofs as of October 2026!! An incredible value for a large, feature-packed pool home directly on private ski lake Lake Stemper, complete with a covered dock and detached ADU! Set on a quiet cul-de-sac along the shores of Lake Stemper, this updated lakefront pool home delivers the Florida lifestyle buyers are searching for—boating, swimming, entertaining, and sunset views from home. Lake Stemper is a private ski lake shared by only approximately 20 homes, offering exceptional privacy with direct access to year-round water recreation. The home is not in a flood zone so flood insurance is not required, and lives in unincorporated Hillsborough county! The home is designed around a private courtyard with a heated saltwater pool, creating a secluded outdoor retreat at the center of the property. The pool and surrounding pavers were installed and sealed in April 2022 and resealed in April 2024. Inside, soaring ceilings, expansive windows, custom shades, contemporary finishes, and a ProFlame electric fireplace give the open living spaces a bright, modern feel. The renovated kitchen features sleek cabinetry, stainless steel appliances, and an expansive island, while multiple rooms showcase impressive lake views. The outdoor living spaces are built for entertaining. A fully equipped outdoor kitchen added in 2022 includes a Blaze four-burner propane grill, flat top and side burner, sink, ice maker, granite countertops, and under-counter LED lighting. Beyond the spacious lakeside deck, a private covered dock completed in 2022 puts boating, skiing, and sunset cruises just steps from the back door. A detached ADU with a private entrance and kitchenette adds valuable flexibility for guests, multigenerational living, a home office, or a studio. Major improvements include a water heater installed in 2020, pool and paver courtyard completed in 2022, outdoor kitchen added in 2022, covered dock completed in 2022, professional exterior lighting in 2024, and a new septic tank and drain field completed in 2025. With no HOA and no CDD, this is a rare opportunity to enjoy updated, private lakefront living without giving up everyday convenience.

18200 Cypress Cove Lane, Lutz
303 W Chapman Road, Lutz
$1,239,500
3 Beds ⋅ 4 Baths ⋅ Lake Chapman Sub 1st Add SubDv. ⋅ 33548 Zip Code
Beautiful Lakefront Home on Lake Chapman! Perfectly positioned to capture breathtaking western-facing sunsets, this custom-built residence offers an exceptional setting on one of the area’s desirable ski lakes. From peaceful evenings overlooking the water to days spent boating and enjoying the lake, this home truly embraces the best of Florida lakefront living. Thoughtfully designed to maximize the spectacular water views, the home offers an open and inviting floor plan ideal for both entertaining and everyday living. The impressive exterior features stone accents, stately columns, matching bay windows, split garages, and a beautiful U-shaped paver driveway. Step through the striking wrought-iron and wood-grain entry doors and your attention is immediately drawn to the stunning views of Lake Chapman. The spacious Living Room seamlessly connects the living room and kitchen, creating a wonderful gathering space overlooking the lake. The living room features 11-foot ceilings, crown molding, recessed lighting, an electric fireplace, and a custom wood mantel. The kitchen is equally impressive, highlighted by a custom copper gas range hood, coordinating copper sink, generous center island, and a charming breakfast nook surrounded by bay windows overlooking the backyard and lake. Wood-grain tile flooring throughout the main living areas adds warmth and character while creating the perfect lake house feel. Even the downstairs guest bathroom makes a statement, creatively designed with authentic Napa Valley wine crates, a genuine wine barrel vanity, and a copper sink that beautifully complements the kitchen finishes. The oversized laundry room was thoughtfully designed with lake living in mind, providing plenty of space for towels, linens, and everyday storage. Upstairs you will find three bedrooms, three full bathrooms, a private office, and a spacious loft that serves as a second living area, complete with hardwood flooring and surround sound. The office enjoys beautiful views and a charming barn-style privacy door and could easily become a fourth bedroom with the addition of a closet. The spacious primary suite features double sliding glass doors opening to the upstairs balcony, along with two separate walk-in closets featuring custom built-ins. The ensuite bath offers a jetted soaking tub, walk-in shower with dual shower heads, and separate vanities. Two additional bedrooms each feature walk-in closets, private ensuite bathrooms, and plantation shutters, providing privacy and comfort for family and guests. The outdoor living space is truly exceptional and designed for year-round entertaining. A granite-topped island with sink and reverse osmosis system anchors the space, while a Big Green Egg and Napoleon gas grill make outdoor cooking effortless. Motorized retractable screens, two outdoor televisions, and ceiling-mounted speakers create the perfect setting for relaxing, entertaining, watching the game, or simply enjoying the lake views. A paver walkway leads to the spa, fire pit, and private dock. The dock features a covered boat lift accommodating up to a 23-foot boat, along with a separate jet ski dock. Every detail of this home has been thoughtfully designed to complement its incredible lakefront setting and to create the ultimate Florida lifestyle.

303 W Chapman Road, Lutz
210 Lake Hobbs Road, Lutz
$535,000
3 Beds ⋅ 2 Baths ⋅ Tropical Lakes SubDv. ⋅ 33548 Zip Code
PRICE IMPROVEMENT !!!! NEARLY 1 ACRE • NO REAR NEIGHBORS • LAKE VIEWS • SCREENED POOL • NO HOA! Enjoy the privacy and peaceful feel of country living while remaining conveniently close to everything great about Tampa Bay . Situated on THREE lots with approximately 150 feet of width and more than 200 feet of depth, this unique property offers beautiful views of majestic cypress trees and a tranquil natural lake. With some additional clearing, there is potential to expand the waterfront view and possibly enjoy the lake by kayak. Major updates have already been completed, including a NEW ROOF (2025), HVAC (2025), STOVE (2025), Water Heater (2023), and NEW POOL PUMP (2026), making this home ready for its next owner. Inside, the open-concept kitchen overlooks the living and dining areas and features lots of cabinetry, granite countertops, stainless steel appliances, a pantry closet, and abundant natural light. The living room is highlighted by a wood-burning fireplace, creating a warm and inviting gathering space. An oversized Florida room provides even more flexibility and is ideal for a second living area, game room, recreation space, or simply a comfortable place to relax while overlooking the serene backyard. Step outside to your own private Florida retreat. The screened-in pool and spacious wood deck provide plenty of room for entertaining, lounging, and enjoying the surrounding natural beauty. With nearly an acre, this property offers space for so much more. The onsite greenhouse can be used for growing herbs and vegetables or repurposed as a workshop. Bring the boat, RV, work vehicles, 4-wheelers, and recreational toys—there is ample space along the side of the home, including one covered stall. The home is serviced by well and septic and includes an OWNED Culligan water treatment system and water softener. Best of all, NO HOA means no additional HOA dues or restrictions. Conveniently located near Lutz Preparatory (K-8) and Steinbrenner High School, with easy access to US 41, the Veterans Expressway, and I-275. Restaurants, shopping, Tampa Premium Outlets, The Shops at Wiregrass, Tampa International Airport, Busch Gardens, Florida beaches, and everything in the area is within easy reach. SPACE, PRIVACY, WATER VIEWS, A POOL, AND NO HOA—this is a rare opportunity to enjoy a peaceful Florida lifestyle with the convenience of Tampa Bay nearby.

210 Lake Hobbs Road, Lutz
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