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$279,900

21506 GRAY TERN COURT, LUTZ, FL 33549

3D Tour
Active157 days on market

Beds

2

Baths

2

Sq Ft

1,288 sq ft

Year Built

1997

Lot Size

0.07 acres

Garage

1

About This Property

MAINTENANCE-FREE VILLA –LOW HOA and No flood insurance required in this X zone. Welcome to this adorable and well-maintained 2-bedroom + den/office villa offering 1,288 sq. ft. of comfortable living space, perfectly situated on a quiet cul-de-sac in a tucked-away neighborhood surrounded by serene lakes in the desirable community of Lake Heron. . This home features a desirable split-bedroom floor plan, providing privacy and functionality, along with a versatile den that can easily be converted into a 3rd bedroom. The spacious interior showcases cathedral ceilings, architectural archways, plant shelves, and textured walls, creating character and charm throughout. The bright and airy living room is enhanced by skylights and a mirrored accent wall, bringing in natural light and an open feel. The kitchen offers abundant cabinet storage, decorative display shelving, rope lighting for added ambiance, a convenient breakfast serving area, and an eat-in space perfect for casual dining. Enjoy indoor-outdoor living with an enclosed back patio just off the family room—ideal for relaxing or entertaining. The primary bedroom is spacious and comes with its own bathroom with dual vanity, enclosed shower, private water closet and a walk in closet. Additional highlights include:New Lennox HVAC system, Tile flooring throughout for easy maintenance 1-car garage with additional parking for up to 3 vehicles Security system for added peace of mind Residents enjoy fantastic community amenities including a sparkling pool, tennis courts, and a clubhouse—perfect for social gatherings and an active lifestyle. There is also a dedicated storage lot available for work vehicles, trailers, and RVs, offering added convenience rarely found in villa communities. Location is everything, and this home delivers! Conveniently located near major highways for easy commuting, and just minutes from premier shopping, dining, and entertainment at Tampa Premium Outlets and The Shops at Wiregrass. Grocery stores, retail shops, and everyday conveniences are all nearby. This charming villa is priced to sell and offers low-maintenance living in a highly desirable area—don’t miss your opportunity!

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #W7885096
StatusActive
Year Built1997
Total Rooms4
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionLAKE HERON PH 03B 04B 05B
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s)
FlooringCarpet, Tile
AppliancesDishwasher, Disposal, Microwave, Range, Refrigerator
LaundryInside, Laundry Closet
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Other, Rain Gutters
Lot Size0.07 acres (2,894 sq ft)
Road SurfaceAsphalt, Paved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes
HOA Fee$259 / Monthly
Senior CommunityNo

Financial Details

List Price$279,900
Original Price$289,900
Annual Taxes$4,083 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningMF1
Parcel #1826360160003000250

Directions

Head toward Sofia Dr. Turn right onto Land O' Lakes Blvd. Turn left toward Lake Floyd Dr. Turn left onto Lake Floyd Dr. Turn left onto Lake Heron Dr. Turn right onto Woodstork Ln. Slight right onto Gray Tern Ct. Destination will be on the right.

Location

21506 GRAY TERN COURT, LUTZ, FL 33549

Listing Information

Office1% LISTS CENTRAL FLORIDA
ListedApril 25, 2026

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Home Price

$279,900

20% ($55,980)
6.75%

Loan Term

Principal & Interest$1,452
Property Tax (est.)$257
Insurance (est.)$150
Total Monthly$1,859
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How to Buy This Home

Multiple financing options available for this $279,900 home in LUTZ.

🏛️

FHA Loan

$9,797 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

$13,995 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 29, 2026.

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