Photo of 22523 WILLOW LAKES DRIVE in Lutz

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22523 Willow Lakes Dr, Lutz, FL 33549

MLS TB8535438

$800,000

Est. $4,117/mo principal and interest at 6.67% with 20% down

4 bd · 3 ba · 2,359 sqft · Single Family Residence

Payment estimate

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Starts from the national Freddie Mac average. Change any number and the payment updates. Sign in to save a custom rate.

Estimated monthly payment

$4,817/mo

$640,000 loan · 20% down · 6.67%

Principal & interest: $4,117
Taxes: $341
Insurance: $300
HOA: $59

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Home price Down payment $160,000 down

Term

30-year 15-year

Interest rate Annual taxes Annual insurance Insurance starts at a Florida homeowners estimate of $3,600 / year. HOA / month Stephen Newman $59

Educational estimate, not a personal quote or a commitment to lend. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

About this home

Experience the ultimate Florida lake lifestyle in this one-of-a-kind custom waterfront home on a ¼-acre lot with NO CDD fees! Enjoy direct access to a beautiful natural lake with your own private sand beach and 250 sq. ft. dock—perfect for jet skiing and fishing. This custom home features 4 bedrooms, 3 bathrooms, plus a 522 sq. ft. bonus/theater room, offering approximately 2,881 sq. ft. of total living space. The bonus room includes stunning lake views, a 3D projector, and a 110" movie screen. Inside you'll find formal living and dining rooms, a spacious family room with a fireplace, a dedicated office, an updated kitchen with granite countertops and LG stainless steel appliances, and a luxurious primary suite with a jetted tub, steam shower, and bidet. Step outside to your private resort-style oasis featuring a solar-heated saltwater pool with a cascading natural rock waterfall, a fully equipped outdoor kitchen, screened lanai, and multiple entertaining areas overlooking the lake. Major updates include a NEW 50-year dimensional shingle roof (2021), NEW 6-ton A/C with UV sanitizer (2023), tankless water heater (2024), and resurfaced pool (2018). Additional highlights include hurricane protection, generator hookup, Tesla Generation III charging station, and professional landscaping. Conveniently located near Tampa Premium Outlets, KRATE at The Grove, shopping, dining, and major highways. Schedule your private showing today and experience this unique waterfront lifestyle for yourself.