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$589,900

19539 ROSEATE DRIVE, LUTZ, FL 33558

3D Tour
Active20 days on market

Beds

3

Baths

3

Sq Ft

2,137 sq ft

Year Built

2020

Lot Size

0.13 acres

Garage

2

About This Property

Welcome to this beautifully upgraded 3-bedroom, 2.5-bath home with an office, first-floor primary suite, and peaceful conservation views in the desirable Arbors at Waterside community of Lutz, Florida. Offering an impressive combination of modern finishes, flexible living space, privacy, low HOA fees, and NO CDD fees, this move-in-ready home is designed for comfortable Florida living and entertaining. Step inside to a grand, light-filled entrance featuring soaring ceilings, elegant tray ceiling details, and an open-concept floor plan. The gourmet kitchen is the centerpiece of the home, featuring quartz countertops, stainless steel appliances, a gas cooktop, built-in oven and microwave, deep farmhouse sink, subway tile backsplash, breakfast bar, abundant cabinetry, and generous counter space. The kitchen flows seamlessly into the spacious dining and living areas, where triple sliding glass doors showcase tranquil conservation views and fill the home with natural light. Open the sliders to the screened lanai and enjoy your own private outdoor retreat overlooking the conservation area with no immediate rear neighbors—perfect for morning coffee, relaxing evenings, or entertaining family and friends. The spacious first-floor primary suite offers privacy and convenience with a large walk-in closet and beautifully appointed en-suite bathroom featuring dual quartz vanities and an oversized walk-in shower. Also located on the first floor is a dedicated den/office or flex space, guest half bath, under-stair storage, and a custom drop zone at the garage entrance complete with cabinetry and quartz countertops. Upstairs, the wood-spindle staircase leads to two additional bedrooms and a full bathroom featuring a double vanity and a separate shower and commode area, creating a functional layout for family members or overnight guests. Additional upgrades include quartz countertops throughout, a stone-accented exterior elevation, paver driveway with fresh sealant, epoxy-coated garage floor, screened lanai, conservation homesite, and custom built-in drop zone. Enjoy low HOA fees and NO CDD fees along with neighborhood amenities including a community lake and park. Ideally located in Lutz with convenient access to US-41, SR-54, and the Veterans Expressway (SR-589), this home puts shopping, dining, grocery stores, medical facilities, recreation, nature parks, trails, and the greater Tampa Bay area within easy reach. If you're searching for a move-in-ready Lutz home with a first-floor primary suite, dedicated home office, gourmet kitchen, conservation views, screened outdoor living, and no CDD fees, this one deserves to be at the top of your list. Schedule your private showing today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8540064
StatusActive
Year Built2020
Stories2
Total Rooms3
ConstructionBlock, Concrete, Stucco
RoofTile
FoundationSlab
FacesSouthwest
SubdivisionWATERSIDE / LAKE MARY LOU NORTH
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
FlooringCeramic Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Gas Water Heater, Microwave, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorLighting, Rain Barrel/Cistern(s), Sidewalk, Sliding Doors
FencingOther
Lot Size0.13 acres (5,494 sq ft)
Lot FeaturesConservation Area
Road SurfaceAsphalt, Paved
ViewTrees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Available, Electricity Connected, Public, Sewer Available, Sewer Connected, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$451 / Quarterly
Senior CommunityNo

Financial Details

List Price$589,900
Original Price$600,000
Annual Taxes$5,440 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningMPUD
Parcel #182634008.0000.00007.0

Schools

ElementarySkybrooke K-8
MiddleHudson Academy ( 4-8)
HighSunlake High School-PO

Directions

From SR 54, head south on Sunlake Blvd for approximately 1.3 miles. Turn left onto Roseate Dr. Continue on Roseate Dr; 19539 Roseate Dr will be on the left.

Location

19539 ROSEATE DRIVE, LUTZ, FL 33558

Listing Information

Office54 REALTY LLC
ListedAugust 21, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$589,900

20% ($117,980)
6.75%

Loan Term

Principal & Interest$3,061
Property Tax (est.)$541
Insurance (est.)$150
Total Monthly$3,752
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $589,900 home in LUTZ.

🏛️

FHA Loan

$20,647 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$29,495 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pasco County SHIP

Varies

Income-qualifying Pasco residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 10, 2026.

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