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$779,000

18114 SERENE LAKE LOOP, LUTZ, FL 33548

3D Tour
Active2 days on market

Beds

5

Baths

5

Sq Ft

3,273 sq ft

Year Built

2025

Lot Size

0.14 acres

Garage

3

About This Property

This gorgeous home is located in the gated Pearl Estates and currently zoned for Steinbrenner High School, this 2025-built Lennar McGinnis offers the space of a larger home with the fresh finishes and thoughtful upgrades buyers want. With 5 bedrooms, 4.5 baths, 3,273 square feet and a 3-car garage, the flexible floor plan gives everyone room to gather, spread out and feel at home. At the heart of the home, the kitchen, dining and living spaces flow together, creating an inviting place for everything from busy mornings to dinners with friends and weekends at home. The kitchen features quartz countertops, a large center island, upgraded GE dishwasher, 30 cu. ft. Samsung refrigerator and Frigidaire induction cooktop. Recessed lighting in every room and ceiling fans throughout add to the bright, comfortable feel. One of the best parts of this floor plan is how much flexibility it offers. A first-floor bedroom with its own private bath gives guests a comfortable place to stay and also works beautifully for multigenerational living or a private home office. Upstairs, the loft is more than just extra space. Complete with its own bar refrigerator, sink and cabinetry, it creates a true second living and entertaining area. Think movie nights, game days, a playroom or simply another comfortable place to gather without having to head downstairs. The spacious primary suite features a custom built-in closet system, while three additional bedrooms provide plenty of room for family, guests or work-from-home needs. The owners also replaced all of the original carpet upstairs and on the staircase with LVP flooring, creating a clean, cohesive and low-maintenance finish throughout the second level. The thoughtful improvements continue in the laundry room with added built-in cabinetry for everyday organization and storage. Additional conveniences include a UV scrubber on the HVAC system, Ring video doorbell, myQ smart garage access and an EV charger in the 3-car garage. The home also features an irrigation system, and out back, the covered patio offers an easy place for morning coffee, grilling or relaxing at the end of the day. Set within the gated Pearl Estates community in Lutz, the home offers a neighborhood setting while keeping shopping, dining, everyday conveniences and major routes within easy reach. HOA dues also include internet service. With 2025 construction, generous living spaces and meaningful upgrades already completed, this is a home that feels finished from the moment you walk through the door, with plenty of room to make it your own.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8554710
StatusActive
Year Built2025
Stories2
Total Rooms7
ConstructionBlock, Stucco, Wood Frame
RoofShingle
FoundationSlab
FacesNorth
SubdivisionPEARL ESTATES
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Window Treatments
FlooringLuxury Vinyl, Tile
AppliancesBar Fridge, Dishwasher, Disposal, Dryer, Microwave, Other, Refrigerator, Washer
LaundryLaundry Room, Upper Level
WindowsBlinds, Shutters
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorHurricane Shutters, Irrigation System, Rain Gutters
Lot Size0.14 acres (6,114 sq ft)
Lot Dimensions50 x 122.28
Road SurfacePaved
ViewTrees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$135 / Monthly
Senior CommunityNo

Financial Details

List Price$779,000
Annual Taxes$858 (2025)
ZoningPD
Parcel #U152718D4600000000117.0

Schools

ElementaryLutz-HB
MiddleBuchanan-HB
HighSteinbrenner High School

Directions

From N Dale Mabry Hwy, turn onto Exciting Idlewild Blvd. At the traffic circle, continue onto Crystal Lake Rd. Turn left into Pearl Estates, then follow Serene Lake Loop to 18114 Serene Lake Loop.

Location

18114 SERENE LAKE LOOP, LUTZ, FL 33548

Listing Information

OfficeCOMPASS FLORIDA LLC
ListedOctober 3, 2026

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Home Price

$779,000

20% ($155,800)
6.75%

Loan Term

Principal & Interest$4,042
Property Tax (est.)$714
Insurance (est.)$150
Total Monthly$4,906
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $779,000 home in LUTZ.

🏛️

FHA Loan

$27,265 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

$38,950 Down

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

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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.

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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: October 5, 2026.

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