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22817 Saint Thomas Cir, Lutz, FL, 33549

$234/sqft·Willow Bend Tr Mf02

4 bd2 ba1,450 sqft1 car garageSingle Family
Listed by LOKATION· Last updated · MLS# TB8539138

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

Est. monthly payment
$2,147/mo
Down payment (20%)
$67,980
Property taxes
$176/mo
HOA
$28/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1998
1 car garage
4,000 sqft lot
Lot size
1,450 sqft
Living area

About this home

Ceiling Fans(s)Primary Bedroom Main FloorWalk-in Closet(s)BalconyHurricane ShuttersRain GuttersBuilt-in OvenCooktop

22817 Saint Thomas Cir is a 1998-built home in Willow Bend Tr Mf02, Lutz. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,450 square feet of living space. Listed at $339,900 (about $234/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $28 monthly.

From the listing

Welcome to your perfect family starter home in the heart of Lutz! This 4-bedroom, 2-bathroom home with a 1-car garage offers 1,450 sq. ft. of living space nestled in the highly sought-after, family-friendly Willow Bend Community. Step inside and enjoy the layout that takes you through the living room, into the dine-in kitchen — complete with a walk-in food pantry that makes storage a breeze. The main-floor Master Suite features an en-suite bathroom with a garden tub and walk-in closet. Head upstairs to find all new carpet in the three additional bedrooms plus a second full bathroom — plenty of room for the whole family to spread out! Unwind on your screened-in patio soaking in breathtaking lake views — a peaceful escape right in your own backyard. Save on utilities with natural gas-powered stove, dryer, and air conditioner! Lutz is one of Tampa Bay's most desirable communities, and this location delivers! Just minutes from the Tampa Premium Outlet Mall, The Grove, top-rated restaurants, and everyday shopping — all with fast access to all major roadways and interstates. Zoned for a great school district and with low HOA fees and NO CDD, this is the opportunity you've been waiting for. Priced to sell — don't wait, this one won't last!

The essentials

Built
1998
Price / sqft
$234
On market
28 days
Annual tax
$2,113
HOA
$28/mo
Flood zone
X · Low risk
Lot
4,000 sqft
Type
Single Family Residence

Location

22817 Saint Thomas Cir
Lutz, FL, 33549·33549 - Lutz
Type
Single Family Residence
Year Built
1998
Lot
4,000 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
-
Days on Market
28
Ceiling Fans(s)
Primary Bedroom Main Floor
Walk-in Closet(s)
Balcony
Hurricane Shutters
Rain Gutters
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Gas Water Heater
Range
Range Hood
Refrigerator
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 fileFlood Zone X

Annual Tax (2025)

$2,113

Parcel #

19-26-31-014.0-000.00-035.0

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 Tr Mf02

County

Pasco

MLS Area

33549 - Lutz

Lot Size

4,000 sqft

HOA
$28/mo
Willow Bend / Jessica Melendez
Date
Event
Price
8/14/2026
Listed for sale
Source: Stellar MLS #TB8539138
$339,900
$234/sqft
Est. monthly payment$2,147/mo
Principal & interest$1,773
Property taxes$176
Insurance$170
HOA$28
Down payment20% · $67,980
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.

Offer Insights

Choose an offer strength

List price: $339,900
$337,500 – $339,900
99.5% – 100% of listTops out right at the list price
80% of listList price
29 of the last 56 home closings in 33549 landed at this number or higher (52%). The median one sat 26 days before it went under contract, and this one is on day 28.

Sample: 56 closed home sales in 33549 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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