4605 STEEL DUST LANE, Lutz, FL, 33559 | $440,000

Perfect for new families, old families or the bachelors just looking to get away from the hustle and bustle of the city traffic. This GORGEOUS 3 bed and 2 bath home has everything you need. First let's mention what you are all thinking. . . This house is high and dry with no flooding. The home is considered a flood zone in the back behind the fence. . No water has ever come close to the house. The kitchen is a culinary masters dream with ample granite counter space, a large prep area with butcher block and tons of storage. The appliances were bought in 2022. The large open living and dining room gets tons of light from the brand new (still under warranty) Pelle Pelle sliding glass doors. All 3 bedrooms are large enough to hold king size beds. The primary bedroom has an on suite with massive walk in shower and waterfall shower head and the toilet is in its own tiny little room so you have extra privacy after your morning coffee when its potty time. The entire house has brand new luxury high impact vinyl flooring and porcelain tile in the kitchen all installed in 2025. The entire house has fresh paint, brand new interior doors and brand new modern baseboards that make this house a true beauty. The backyard is an oasis for Florida weather enthusiasts. The in ground pool was updated to salt water in 2022. The hot tub and patio installed in 2023 are everything you want for a relaxing night alone with your significant other. . . . The outdoor kitchen and top of the line Pit Boss Smoker is perfect for smoking a brisket from Costco (2 miles away) or a great steak from Publix (1 mile away). The pool cage was re screened and painted in 2023 with DTM paint that will have it looking fresh for years! The pool deck was completely resurfaced in 2025 with a skid proof epoxy finish that has a lifetime warranty. The roof was installed iin 2022 and the HVAC is kickin ice cold. It has been cleaned, sanitized and maintained cause the seller has the allergies! The 2 car garage and laundry room have plenty of storage. You do not want to miss out on this amazing home, only minuites from Tampa outlets, great schools, delicious eateries and more. If you act fast the seller will throw in his Italian grandmother's Sunday gravy and meatball recipe. It came over from Italy in the 1940s and it can not be beat. He does not share it often!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 1997
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,620
  • Acreage: 0.2
  • Est. Taxes: $5,363
  • HOA Fee: $115 Semi-Annually
  • Pool: In Ground, Salt Water
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6307788
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6307788/4605steeldustlane_lutz_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/18/2025 4:53:05 AM)
Listing courtesy of BETTERLIFE REAL ESTATE, LLC   Phone: 407-431-8499

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NMLS Mortgage Loan Originator ID 16953

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4605 STEEL DUST LANE, Lutz, FL, 33559

$440,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $352,000 $352,000 $352,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.083% 7.063% 6.152%
Monthly Tax Payment $447 $447 $447
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,225 $2,312 $2,947
Total Monthly Payment $2,747 $2,834 $3,469

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.