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$699,000

1406 MCCREA DRIVE, LUTZ, FL 33549

3D Tour
Active18 days on market

Beds

5

Baths

3

Sq Ft

3,680 sq ft

Year Built

2003

Lot Size

0.40 acres

Garage

3

About This Property

Virtually Staged. Space, privacy, and Florida living at its best in Wyndgate! Offering 3,680 square feet, 5 bedrooms, a massive bonus room and large loft (basically a 6 bedroom house with a possible 7th bedroom conversion). This beautiful home boasts 3 bathrooms, a 3-car garage, and an expansive 0.4-acre backyard. This impressive home is tucked inside the highly sought-after gated community of Wyndgate. Upon entering, you’re welcomed by soaring ceilings, a beautiful statement chandelier, and abundant natural light that creates a bright, airy feel and an inviting first impression. Designed for both everyday comfort and effortless entertaining, the main level features a seamless flow between the dining room, kitchen, breakfast nook, living room, and flexible living space. Upstairs, an open view overlooking the foyer creates a beautiful connection between levels, while the spacious loft, dedicated office, and additional bedrooms provide room to work, relax, and grow. The generous primary suite offers a private en-suite bath and dedicated closet space, while a main-level bedroom with a nearby full bath adds versatility for guests or multigenerational living. Outside, enjoy your own private Florida retreat with a heatable saltwater pool and an oversized backyard that feels like a park of your own. The saltwater system was installed in 2020, and major updates include a 2023 roof, a new electric water heater installed in June 2026, upstairs A/C unit 2025, and a new sprinkler control box installed in October 2026. Additional highlights include public water, irrigation supplied by the neighborhood well, and an insulated attic. Enjoy the added value of no CDD fees and low HOA dues, along with an X flood zone designation; buyers should verify insurance requirements with their insurer and lender. Conveniently located with access to I-275 and I-75 for travel to Tampa, Hyde Park, and surrounding destinations, this Wyndgate home combines generous living space, thoughtful flexibility, and an exceptional outdoor setting. Schedule your private showing and discover the space, comfort, and Florida lifestyle waiting for you!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8558480
StatusActive
Year Built2003
Stories2
Total Rooms15
ConstructionBlock, Concrete, Stucco
RoofShingle
FoundationSlab
FacesWest
SubdivisionWYNDGATE
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorAttic Ventilator, Built-in Features, Crown Molding, High Ceilings, PrimaryBedroom Upstairs, Solid Wood Cabinets
FlooringCarpet, Tile, Vinyl
AppliancesBuilt-In Oven, Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Washer
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
SecurityGated Community, Security Fencing/Lighting/Alarms, Security Gate, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Mailbox, Private Yard, Sidewalk, Sliding Doors
Lot Size0.40 acres (17,613 sq ft)
Lot Dimensions86.34 x 204
Lot FeaturesOversized Lot, Sidewalk
Road SurfacePaved

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground, Heated, Lighting, Salt Water, Self Cleaning, Waterfall
SpaHeated, In Ground

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Public, Sewer Connected, Sprinkler Well, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$347 / Quarterly
Senior CommunityNo

Financial Details

List Price$699,000
Annual Taxes$4,381 (2025)
FinancingCash, Conventional, FHA
ZoningPD
Parcel #U3027195RP00000100017.0

Schools

ElementaryChiles-HB
MiddleLiberty-HB
HighFreedom-HB

Directions

Head north on US Highway 41 and turn right onto Sinclair Hills Road. Take the third left onto North 15th Street and continue to Wyndgate, the gated entrance. Turn left onto McCrea Drive, and the house will be on the right.

Location

1406 MCCREA DRIVE, LUTZ, FL 33549

Listing Information

OfficeCHARLES RUTENBERG REALTY INC
ListedOctober 16, 2026

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Home Price

$699,000

20% ($139,800)
6.75%

Loan Term

Principal & Interest$3,627
Property Tax (est.)$641
Insurance (est.)$150
Total Monthly$4,418
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $699,000 home in LUTZ.

🏛️

FHA Loan

$24,465 Down

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

🏦

Conventional

$34,950 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.

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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: November 3, 2026.

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