ASSUMABLE LOAN with 2.75% rate!! Welcome to this beautifully maintained 5-bedroom, 3-bathroom home offering nearly 2,900 square feet of thoughtfully designed living space in a private gated community in the heart of Lutz. Built in 2019, this move-in-ready home combines modern finishes, a functional layout, and an unbeatable location. Designed with flexibility in mind, the home features a first-floor primary suite along with one secondary bedroom and a full bathroom on the main level, making it ideal for guests, multigenerational living, or a home office. The spacious open-concept living area flows seamlessly into the gourmet kitchen, complete with quartz countertops, ample cabinetry, and generous workspace for cooking and entertaining. Quartz countertops continue throughout all bathrooms, creating a cohesive, upscale feel. Upstairs, you'll find a large loft that offers endless possibilities as a media room, playroom, or second living area. Three additional bedrooms share a spacious bathroom featuring dual sinks, providing plenty of room for family and guests. Step outside to enjoy the large covered and screened lanai, perfect for relaxing or entertaining year-round, overlooking a fully fenced backyard with plenty of space for pets, play, or future outdoor enhancements. Located in a desirable gated community and zoned for A+ rated schools, this exceptional home is just minutes from shopping, dining, parks, and major highways, offering easy access to everything the Tampa Bay area has to offer. Don't miss your opportunity to own this exceptional Lutz home—schedule your private showing today!