Price Imrovement! Seller will contribute toward buyer closing costs or rate buy down with an acceptable offer. Welcome to lakefront living in the heart of Lutz! Tucked away at the end of a quiet dead-end street, this charming 3-bedroom, 2.5-bath home sits on a private .59-acre lot overlooking beautiful Lutz Lake. Offering 1,801 square feet of living space, the home features soaring ceilings, a sunken living room with a wood-burning fireplace, an updated kitchen with granite countertops, wood cabinetry, a walk-in pantry, and a spacious loft. The first-floor primary suite includes private access to the screened lanai and an updated ensuite bath with dual vanities, a large tiled shower, and abundant closet space. Upstairs, you'll find two generously sized bedrooms, a full bath, and a versatile loft area. Step outside to enjoy the park-like backyard with direct lake access, perfect for kayaking, canoeing, fishing, or simply relaxing and taking in the views. Recent updates include exterior painting 2025, new water softener system 2025, roof (2019), HVAC (2014), water heater (2014), flooring (2014), French doors (2012), and remodeled bathrooms. Located in the highly sought-after Steinbrenner High School district with no HOA or CDD fees, and convenient access to US-41, I-275, the Suncoast Parkway, shopping, dining, and entertainment. Rarely does a lakefront property in downtown Lutz become available, schedule your private showing today.