MAJOR PRICE REDUCTION - NOW $419,900! WATERFRONT LIVING ON .59 ACRES IN THE HEART OF LUTZ! NO HOA, NO CDD FEES, AND STEINBRENNER HIGH SCHOOL DISTRICT! An exceptional opportunity to own a waterfront home on over half an acre at an attractive new price! Tucked away at the end of a quiet dead-end street in desirable downtown Lutz, this 3-bedroom, 2.5-bath home offers 1,801 square feet of living space, a peaceful setting, and a rare combination of privacy, location, and value. Step inside to discover soaring ceilings, a charming sunken living room with a wood-burning fireplace, and an updated kitchen featuring granite countertops, wood cabinetry, and a walk-in pantry. The desirable FIRST-FLOOR PRIMARY SUITE features private access to the screened lanai and an updated en-suite bath with dual vanities, a spacious tiled shower, and generous closet space. Upstairs, two additional bedrooms, a full bath, and a versatile loft provide flexible space for a home office, playroom, or second living area. THE OUTDOOR SETTING IS WHAT TRULY SETS THIS PROPERTY APART! Enjoy an expansive, park-like .59-acre lot with mature surroundings, direct lake access, and plenty of room to relax, entertain, or enjoy the Florida lifestyle. Bring your kayak, canoe, or fishing gear and experience waterfront living right from your own backyard! Recent improvements include EXTERIOR PAINT (2025), NEW WATER SOFTENER SYSTEM (2025), ROOF (2019), AND UPDATED BATHROOMS. Location is another standout feature! Situated in the heart of Lutz with convenient access to US-41, I-275, and the Suncoast Parkway, this property offers easy connectivity to shopping, dining, entertainment, and the greater Tampa Bay area. NOW OFFERED AT JUST $419,900! Waterfront living, nearly .60 acres, a first-floor primary suite, NO HOA or CDD fees, and the sought-after Steinbrenner High School district-all at a compelling new price! DON'T MISS THIS OPPORTUNITY. SCHEDULE YOUR PRIVATE SHOWING TODAY!