NEW PRICE. Enjoy waterfront living, an oversized .59-acre lot, NO HOA or CDD fees, and the highly sought-after STEINBRENNER HIGH SCHOOL district! Tucked away at the end of a quiet dead-end street, this 3-bedroom, 2.5-bath home offers 1,801 square feet of living space and a peaceful, private setting that's hard to find in Lutz. Inside, you'll find soaring ceilings, a sunken living room with a wood-burning fireplace, an updated kitchen with granite countertops, wood cabinetry and a walk-in pantry, plus a spacious upstairs loft. The first-floor primary suite features private access to the screened lanai and an updated en-suite bath with dual vanities, a large tiled shower and abundant closet space. Upstairs are two generously sized bedrooms, a full bath and a versatile loft perfect for a home office, playroom or additional living area. Step outside to the park-like backyard with direct lake access-bring your kayak, canoe or fishing gear and enjoy the waterfront lifestyle right from your own backyard. Recent improvements include exterior paint (2025), a new water softener system (2025), roof (2019) and updated bathrooms. Conveniently located near US-41, I-275 and the Suncoast Parkway with easy access to shopping, dining and entertainment. At the new price of $429,900, this is a unique opportunity to own a waterfront home on more than half an acre in Lutz with no HOA or CDD fees. Schedule your private showing today!