18714 ARBOR DRIVE, LUTZ, FL, 33548
Active2 days on marketListed Jul 30, 2026MLS #TB8534094
About this home
18714 ARBOR DRIVE
Rare Ski Lake Investment Opportunity! Incredible opportunity to own a waterfront property with extensive frontage on a private ski lake in desirable Lutz. This 2-bedroom, 2-bath home is livable but in need of substantial renovation and is being offered primarily as an investment opportunity. The property features a detached garage with HVAC and a toilet, providing excellent potential for a workshop, storage, or additional flex space (buyer to verify permitted use). An existing in-ground pool is also on the property. Whether you're looking to renovate, expand, or build your dream lakefront home, this property offers exceptional potential in a sought-after location. Cash buyers or buyers utilizing renovation financing are encouraged, as the property may not qualify for traditional financing. Sold AS-IS. Buyers should verify all measurements, zoning, land use, and any future development possibilities.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,544
Sqft
0.37 ac
Lot size
1
Garage
1964
Year built
One
Levels
$308
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,442 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,442/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs UNPLATTED
$308 vs $301
Days on market
2 vs 35 typical
Where $308/sqft sits among the 184 homes for sale in UNPLATTED
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
LUTZ 33548 — neighborhood snapshot
Population
8,678
Median age
40.7
Median income
$124,548
Median home value
$523,000
Avg household
2.92
Households w/ children
1,094
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
75 of 184
UNPLATTED have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% below the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18714 ARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$415,000
7045 STAFFORD ROAD · same community
3 bd · 2 ba · 1,536 sqft · $270/sqft · 106 DOM
Sold · Dec ’25$400,000
807 SEABREEZE DRIVE · same community
2 bd · 2 ba · 1,618 sqft · $247/sqft · 5 DOM
Sold · Dec ’25$275,000
11223 SLIGH AVENUE · same community
3 bd · 2 ba · 1,620 sqft · $170/sqft · 448 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 18714 ARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18714 ARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
18714 ARBOR DRIVE FAQs
What would the monthly payment be for 18714 ARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,442/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 18714 ARBOR DRIVE?+
The most recent tax bill on record (2025) was $3,308. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $475,000, this home is listed about 3% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18714 ARBOR DRIVE?+
Lutz K-8 School (elementary), Buchanan Middle School (middle), Steinbrenner High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LUTZ 33548 market on paper
$475,000 is 32% below the LUTZ 33548 median of $700,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Lutz market that averages 35 — if it fits, move quickly.
04Strong assigned schools
Lutz K-8 School, Buchanan Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kate Cottle. MLS #TB8534094.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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