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Overview

4 bd3 ba2,521 sqft2 car garageSingle Family
TypeSingle Family
HOA$120/yr
Built2021
Lot10,704 sqft
Living area2,521 sqft
Price / sqft$224
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Wood CabinetsStone Counters

21620 Teal CT is a 2021-built home in Cypress Cove Sub, Lutz. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,521 square feet of living space. Listed at $565,000 (about $224/sqft), 95 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $120 annually.

From the listing

Virtually Staged. Welcome to Cypress Cove, a highly sought-after community in Lutz, Florida. Situated on a generous QUARTER ACRE, FULLY FENCED LOT in a non-deed-restricted neighborhood, this beautiful 4-BEDROOM, 3-BATHROOM residence with a versatile LOFT offers 2,521 square feet under air and 3,334 square feet under roof. Located in a NON FLOOD ZONE, it provides the perfect blend of modern elegance and comfortable everyday living. Walking up to the home, you are greeted by the spacious covered front porch. Picture yourself sitting on a comfortable chair enjoying a cup of coffee in the morning as you start your day. Continue inside through the double-door entry into the foyer featuring soaring ceilings and beautiful wood-look ceramic tile flooring that flows throughout the entire home. The open-concept layout is both inviting and functional, highlighted by the well laid out kitchen with granite countertops, a spacious center island, stylish backsplash, and abundant 42-inch solid wood cabinetry. Equipped with Samsung stainless steel appliances, this kitchen is a true cook's delight. Adjacent is a bright eat-in area with double sliders that open to the expansive backyard, perfect for casual meals and effortless indoor-outdoor living. The formal dining area offers an elegant space for gatherings, while the living areas are warm and welcoming. Downstairs, you'll find a convenient guest bedroom which could also be utilized as a perfect home office. Close by is a full bathroom with hallway access to the covered back porch. A well-appointed laundry room with granite countertops and solid wood cabinetry offers versatility and additional storage. Upstairs, you will find the primary en suite which is a true retreat, boasting dual French doors, tray ceilings and a massive walk-in closet. The luxurious primary bath features double granite vanities, a freestanding tub with gooseneck faucet, and an oversized walk-in shower with custom tile work. As you continue towards the additional guest bedrooms, you walk through the spacious loft area. This area would be perfect for a playroom, home office, or media area. The two additional guest bedrooms share a Jack-and-Jill bathroom with granite counters and a seamless glass shower enclosure. Thoughtful details throughout include 5 1/4-inch baseboards and a dual-zone AC system for year-round comfort. Outside, the fully fenced backyard is a private oasis with lush landscaping, mature palm trees, and plenty of room to play or relax. A large patio spans the width of the home and wraps around to the covered area complete with a ceiling fan and recessed lighting. This move-in-ready home combines timeless style with modern updates in a fantastic location. Schedule your private showing today and discover why this could be the perfect place to call home.

The essentials

Built
2021
Price / sqft
$224
On market
95 days
Annual tax
$7,260
HOA
$120/yr
Flood zone
X · Low risk
Lot
10,704 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
2 car garage
0.25 acres
Lot size
2,521 sqft
Living area

Payment

Est. monthly payment
$3,844/mo
Down payment (20%)
$113,000
Property taxes
$605/mo
HOA
$120/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
10,704 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
95
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Private Mailbox
Rain Gutters
Sidewalk
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Washer
Elementary
Lake Myrtle Elementary-PO
Middle
Charles S. Rushe Middle-PO
High
Sunlake High School-PO

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,260
Parcel #
36-26-18-0070-00000-0030

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cypress Cove Sub
County
Pasco
MLS Area
33549 - Lutz
Lot Size
10,704 sqft
Cul-De-Sac
HOA
$120/yr
John Naggy

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #TB8525991
$565,000-1.7%
$224/sqft
-
Price change
Source: Stellar MLS #TB8525991
$575,000-2.4%
$228/sqft
7/7/2026
Listed for sale
Source: Stellar MLS #TB8525991
$589,000+40.6%
$234/sqft
3/26/2021
Sold
Source: Pasco County Public Record
$419,000
$166/sqft

Neighborhood

21620 Teal CT
Lutz, FL, 33549 · 33549 - Lutz

Market insights

Offer Insights

Choose an offer strength

List price: $565,000
$560,000 – $565,000
99.5% – 100% of listTops out right at the list price
80% of listList price
40 of the last 76 home closings in 33549 landed at this number or higher (53%). The median one sat 26 days before it went under contract, and this one is on day 95 after a $24,000 cut.

Sample: 76 closed home sales in 33549 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,844/mo
Principal & interest$2,947
Property taxes$605
Insurance$283
HOA$10
Down payment20% · $113,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$565,000

$224 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,521 sq ft

Time on market

95 days

Year built

2021

Monthly payment

About $3,844/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,260 annual tax bill, insurance, and the $120/yr HOA fee.

HOA fee

$120/yr

Managed by John Naggy.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCENTURY 21 EXECUTIVE TEAMListing agent: Wade ClearyListing data from Stellar MLS, MLS# TB8525991.

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