22523 Willow Lakes Dr, photo 1
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Overview

4 bd3 ba2,359 sqft2 car garageSingle Family
TypeSingle Family
HOA$354/yr
Built1999
Lot8,977 sqft
Living area2,359 sqft
Price / sqft$337
Garage2 car

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Open house

Sunday, Oct 11 · 12:00 PM to 2:00 PM

About this home

Ceiling Fans(s)Chair RailCrown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main Floor

22523 Willow Lakes Dr is a 1999-built home in Willow Bend, Lutz. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,359 square feet of living space. Listed at $795,000 (about $337/sqft), 65 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $354 semi-annually.

From the listing

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, Hurricane Film windows, 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.

The essentials

Built
1999
Price / sqft
$337
On market
65 days
Annual tax
$4,088
HOA
$354/yr
Flood zone
X · Low risk
Lot
8,977 sqft
Type
Single Family Residence

At a glance

Single family
Built 1999
Waterfront
Lake Front
Private pool
Heated
2 car garage
Driveway
8,977 sqft lot
Lot size

Payment

Est. monthly payment
$4,914/mo
Down payment (20%)
$159,000
Property taxes
$341/mo
HOA
$354/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1999
Lot
8,977 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Heat Pump
Parking
Driveway
Pool
Child Safety Fence, Chlorine Free, Heated, In Ground, Salt Water, Screen Enclosure, Solar Heat
Waterfront
Lake Front
Days on Market
65
Ceiling Fans(s)
Chair Rail
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Walk-in Closet(s)
Window Treatments
Awning(s)
Hurricane Shutters
Outdoor Grill
Outdoor Kitchen
Deed Restrictions
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Tankless Water Heater
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.

Flood Zone X
Annual Tax (2026)
$4,088
Parcel #
31-26-19-0060-00000-0540

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
Willow Bend
County
Pasco
MLS Area
33549 - Lutz
Lot Size
8,977 sqft
Landscaped
HOA
$354/yr
Stephen Newman

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #TB8535438
$795,000-0.6%
$337/sqft
8/6/2026
Listed for sale
Source: Stellar MLS #TB8535438
$800,000+2288.1%
$339/sqft
2/1/1998
Sold
Source: Pasco County Public Record
$33,500
$14/sqft

Neighborhood

22523 Willow Lakes Dr
Lutz, FL, 33549 · 33549 - Lutz

Market insights

Offer Insights

Choose an offer strength

List price: $795,000
$790,000 – $795,000
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 65 after a $5,000 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
$4,914/mo
Principal & interest$4,146
Property taxes$341
Insurance$398
HOA$30
Down payment20% · $159,000
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

$795,000

$337 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,359 sq ft

Time on market

65 days

Year built

1999

Monthly payment

About $4,914/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,088 annual tax bill, insurance, and the $354/yr HOA fee.

HOA fee

$354/yr

Managed by Stephen Newman.

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 byGULF SHORES REALTY ERA POWERED LLCListing agent: Ginamarie CarbonaroListing data from Stellar MLS, MLS# TB8535438.

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