1235 WATERBURY LOOP, LUTZ, FL, 33559
Active18 days on marketListed Jul 15, 2026MLS #TB8520346
About this home
1235 WATERBURY LOOP
Virtually Staged. Wake up to sunsets over the water. Set on 1/3 of an acre along the private shores of Tampa Lake, this three-bedroom, two-bath home faces west, where the light softens over the water every evening and settles into color behind the trees. Mature oaks canopy the property, and a screen patio runs the full length of the home, an easy, unhurried space made for watching the day end. Inside, 1,3148 square feet offers you a layout ready for your vision. Bring your eye for design, this is a rare chance to create exactly the home you want on one of the area's most desirable lots.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,348
Sqft
0.32 ac
Lot size
2
Garage
1983
Year built
One
Levels
$237
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 — not generic estimates.
$2,326 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,326/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−1.8%
$/sqft vs Lutz actives
$237 vs $243
Days on market
18 vs 35 typical
Where $237/sqft sits among the 270 Lutz actives
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 33559 — neighborhood snapshot
Population
19,147
Median age
32.1
Median income
$78,264
Median home value
$343,700
Avg household
2.65
Households w/ children
2,034
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)
160 of 270
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the LUTZ 33559 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 1235 WATERBURY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$393,000
1262 DOCKSIDE DRIVE · same community
3 bd · 2 ba · 1,322 sqft · $297/sqft · 5 DOM
Sold · Mar ’26$405,500
1262 DOCKSIDE DRIVE · same community
3 bd · 2 ba · 1,322 sqft · $307/sqft · 16 DOM
Sold · May ’26$280,475
1123 FOGGY RIDGE PARKWAY · same community
3 bd · 2 ba · 1,432 sqft · $196/sqft · 12 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1235 WATERBURY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1235 WATERBURY LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1235 WATERBURY LOOP FAQs
What would the monthly payment be for 1235 WATERBURY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,326/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1235 WATERBURY LOOP?+
The most recent tax bill on record (2025) was $1,689. 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 1235 WATERBURY LOOP?+
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 $320,000, this home is listed about 35% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 1235 WATERBURY LOOP?+
Maniscalco K-8 School (elementary), Freedom High School (high), Liberty Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LUTZ 33559 market on paper
$320,000 is 23% below the LUTZ 33559 median of $417,500, and at $237/sqft it sits under the Lutz average of $269.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Maniscalco K-8 School, Freedom High School, Liberty Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Maniscalco K-8 School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $350,000, now $320,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS RLTY NEW TAMPA · Michelle Jimenez, LLC. MLS #TB8520346.
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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