Skip to main content
1 / 47

$625,000

18321 CITATION STREET, LUTZ, FL 33549

3D Tour
Active0 days on market

Beds

4

Baths

3

Sq Ft

2,545 sq ft

Year Built

1994

Lot Size

0.33 acres

Garage

2

About This Property

ORIGINAL-OWNER POOL HOME ON 1/3 ACRE, beautifully maintained and thoughtfully updated space, privacy and character that make a home truly stand out! Located in Sterling, this 4-bedroom, 3-bath residence features 2,545 sq. ft. of living space, a three-way split-bedroom floor plan, oversized 2-car garage and an expansive screened pool and lanai. A rich, verdant St. Augustine lawn, beautiful landscaping leads to the travertine-tiled portico entrance and impressive double solid-door entry with transom window. Inside, a dramatic foyer introduces soaring ceilings and polished travertine flooring. The formal dining room is enhanced by a large picture window and architectural column. Into the living room, a graceful curved wall with art niches defines the space, complemented by dramatic 12-foot ceilings and sliding glass doors overlooking the pool and lanai. Neutral finishes flow throughout the home. Remodeled in 2025, the kitchen is a showstopper, featuring cabinets with crown molding and decorative bottom rail, stainless pulls, built-in pantry storage with pull-outs and Lazy Susan, stunning quartz countertops and backsplash, a breakfast-bar peninsula with pendant lighting, and a prep center island. Appliances: smooth cooktop with vent hood, pot-and-pan drawers, double built-in wall ovens, dishwasher, and French-door refrigerator. The adjoining casual dining area is surrounded by bay windows with sliding glass doors to the lanai. The family room centers around a wood-burning fireplace with mantle, and pocketing sliding glass doors open to the lanai, creating wonderful indoor and outdoor living spaces.The Primary Suite is a relaxing retreat with real wood flooring, high ceilings and two walk-in closets with built-ins. The beautifully appointed ensuite bath features granite counters, separate vanities with undermount sinks, a soaking tub and spacious shower with dual shower heads, tiled bench, seamless glass enclosure and decorative contrasting tile, plus a private water closet. The three-way split-bedroom design provides excellent separation and privacy. Two secondary bedrooms feature built-in closets, decorative wall molding and crown molding. Two additional baths include granite finishes, with the third bath conveniently serving the pool area and back bedroom. The laundry room includes upper cabinetry, a utility sink and base cabinet. Step outside to your own private Florida retreat! The large screened lanai surrounds a sparkling chlorinated pool with spa spillover feature, complemented by a stamped-concrete pool deck completed in 2026. Beyond the screen enclosure is a generous green backyard, with additional space along the side that may accommodate discreet boat or recreational-vehicle storage, tucked away from street view. Additional improvements include roof (2016), A/C (2017; serviced 2026), water heater (2023), water-treatment system (2025), ductwork (2017), sparkling epoxy garage flooring (2025), septic cleaned (2024), washer and dryer (2019), and Ring doorbell. Sterling is conveniently located in Lutz with easy access to Sunset Lane, Hanna Rd, Livingston Avenue and US-41. Shopping, dining, entertainment, cinemas, medical facilities, hospitals and everyday services are within convenient reach.This exceptional home is ready for its next chapter—schedule your private showing today and experience the spacious design, sparkling pool, generous homesite. This one you won't want to miss!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8540672
StatusActive
Year Built1994
Stories1
Total Rooms9
ConstructionBrick
RoofShingle
FoundationSlab
FacesWest
SubdivisionSTERLING
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Chair Rail, Crown Molding, High Ceilings, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
FlooringTile, Hardwood
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Dryer, Microwave, Range Hood, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingElectric
FireplaceYes ()

Exterior & Lot

ExteriorFrench Doors, Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors
FencingOther
Lot Size0.33 acres (14,356 sq ft)
Lot Dimensions97 x 148
Lot FeaturesIn County, Sidewalk
Road SurfacePaved, Concrete

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground
SpaIn Ground

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$264 / Annually
Senior CommunityNo

Financial Details

List Price$625,000
Annual Taxes$4,042 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #U1827191B300000100008.0

Schools

ElementaryLutz-HB
MiddleLiberty-HB
HighFreedom-HB

Directions

From Livingston Ave and Sunset Ln, head W onto Sunset Ln, turn L onto Citation St. Home is on the left

Location

18321 CITATION STREET, LUTZ, FL 33549

Listing Information

OfficeMIHARA & ASSOCIATES INC.
ListedAugust 21, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$625,000

20% ($125,000)
6.75%

Loan Term

Principal & Interest$3,243
Property Tax (est.)$573
Insurance (est.)$150
Total Monthly$3,966
Full Calculator →

Nearby Schools

How to Buy This Home

Multiple financing options available for this $625,000 home in LUTZ.

🏛️

FHA Loan

$21,875 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

$31,250 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

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

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

More Homes in Lutz

More Homes in Lutz

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: August 22, 2026.

Call (813) 733-7907TextContact