
19003 CEDAR LANE, LUTZ, FL, 33548
Active2 days on marketListed Aug 7, 2026MLS #TB8536996
About this home
19003 CEDAR LANE
Virtually Staged. Some photos have been virtually staged. Two-story lakefront home, bring your kayak and fishing pole. Situated on an expansive 0.67-acre lot surrounded by nature. Offering 4 bedrooms, 3.5 bathrooms, direct private access to Lake Thomas. There is a storage shed and a dock for easy lake access. Remodeled in 2025, inside, you're greeted by natural light through a large picture window, with a view of the lake. Wood look vinyl plank flooring so small pets welcomed. The kitchen offers a large breakfast bar, all-white cabinetry, white tiled backsplash, stainless steel appliances, a built-in cooktop and oven, recessed lighting, and a walk-in pantry (6.5 ft x 8 ft). Off the kitchen is the living room (approximately 32.5 ft x 15 ft), lined with a wall of windows. Double French doors lead to the outdoor deck. The formal dining room (approximately 12 ft x 19.5 ft) features beautiful wood-look ceiling beams and another wall of oversized windows with lake views. Just off this dining room is an office or gym area. The Primary suite is on the second floor. The suite has large windows, for natural light and ensuite bathroom with a step-in shower, white cabinetry, and a spacious walk-in closet (approximately 4.5 ft x 16.5 ft). The bathroom has marble-look tile flooring, the laundry room includes built-in storage, along with a stylish half bath featuring white and gold decorative tile, stone counters, and gold accents. Upstairs, has a large flex space with carpet for great for entertainment. The second primary suite features carpeting, and an ensuite bathroom with marble-look tile floors, a step-in shower with built-in shelving, dual dark blue vanities, a freestanding soaking tub, and a walk-in closet. Outside a large deck provides the perfect space for relaxing while taking in the views of Lake Thomas, local wildlife, and surrounding nature. No HOA. Small Pets OK If you decide to apply for one of our properties, there is an $99 per adult application fee that is non-refundable. Anyone aged 18 or above who will be residing at the property must apply. We will (1) check your credit report; (2) check for any past evictions; (3) verify your employment, if applicable; (4) personal income, assets, or assistance must be sufficient and verifiable; (5) verify your previous landlord references; and (6) perform criminal background screening; (7) be aware that some associations also have application fees. We encourage you not to apply if you have bad credit references or poor rental history.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,815
Sqft
0.6 ac
Lot size
2
Garage
1976
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$193 /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
$193/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Lutz actives
$1 vs $243
Days on market
2 vs 41 typical
Where $1/sqft sits among the 264 Lutz actives
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
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$541K → $512K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
155 of 264
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 19003 CEDAR LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$566,000
18914 GERACI ROAD · same community
4 bd · 3 ba · 2,314 sqft · $245/sqft · 129 DOM
Sold · Dec ’25$306,990
938 PRINCESS SABAL POINT · same community
4 bd · 2 ba · 1,828 sqft · $168/sqft · 162 DOM
Sold · Oct ’25$315,990
934 PRINCESS SABAL POINT · same community
4 bd · 2 ba · 1,828 sqft · $173/sqft · 97 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19003 CEDAR LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19003 CEDAR LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
19003 CEDAR LANE FAQs
What would the monthly payment be for 19003 CEDAR LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 19003 CEDAR LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lutz?+
At $4,500, this home is listed about 99% below the Lutz median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 19003 CEDAR LANE?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LUTZ 33548 market on paper
$4,500 is 99% below the LUTZ 33548 median of $700,000, and at $1/sqft it sits under the Lutz average of $264.
02Fresh on the market
Only 2 days on market in a Lutz market that averages 41 — if it fits, move quickly.
03Strong assigned schools
Oakstead Elementary School, Sunlake High School, Charles S. Rushe Middle School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOFFMAN REALTY, LLC · Andrew Dougill. MLS #TB8536996.
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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