Homes for Sale Under $300K in Lutz, FL
This page tracks every Lutz listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
51 homes listed under $300,000 are for sale or pending in Lutz, FL today across 25 communities. The median asking price is $230,000, from $109,900 to $295,000. Listings in Lutz without that feature have a median of $550,000. Most listings right now: Paradise Lakes Condo (15), Paradise Lakes Resort Condo (5), Lakeview At Calusa Trace (5). Updated October 2, 2026 from the MLS.
First-time buyers: what Lutz costs at the entry level
35 active single-family homes, townhomes and condos at or below $300,000 — median $224,900, about $1,414/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Lutz
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Hillsborough County · First-time buyer guide
Lutz homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Paradise Lakes Condo | 15 | 0 | $144,900 | $109,900 |
| Paradise Lakes Resort Condo | 5 | 0 | $239,900 | $119,900 |
| Lakeview At Calusa Trace | 5 | 0 | $199,900 | $145,000 |
| Willow Square Twnhms | 2 | 0 | $290,000 | $285,000 |
| Sierra Pines Unrec | 2 | 0 | $257,450 | $249,900 |
| Lakes At Heron Cove Condo Ph 07 | 2 | 0 | $240,000 | $230,000 |
| Paradise Lakes Condominium | 1 | 0 | $290,000 | $290,000 |
| Livingston Unit 03 A | 1 | 0 | $289,995 | $289,995 |
| Lake Heron Ph 02 | 1 | 0 | $289,900 | $289,900 |
| Paradise Pines Rv Park Condo | 1 | 0 | $284,900 | $284,900 |
| Lake Heron Ph 03B 04B 05B | 1 | 0 | $279,900 | $279,900 |
| Northside Mobile Villa Unit 1 | 1 | 0 | $279,000 | $279,000 |
| Florida Townsend Colony | 1 | 0 | $269,000 | $269,000 |
| Lake Como Club Residence Coop | 1 | 0 | $249,900 | $249,900 |
| Lake Forest Unit 5 B | 1 | 0 | $245,000 | $245,000 |
| Lake Forest Unit 1 | 1 | 0 | $245,000 | $245,000 |
| Fountains At Paradise Lakes Condo | 1 | 0 | $235,900 | $235,900 |
| Willow Lake | 1 | 0 | $230,000 | $230,000 |
| Paradise Lakes | 1 | 0 | $229,500 | $229,500 |
| Lake Forest | 1 | 0 | $223,400 | $223,400 |
| Heron Cove Condominium Phase Ii | 1 | 0 | $219,000 | $219,000 |
| Lake Sapphire Village Unit 1 | 1 | 0 | $189,900 | $189,900 |
| Paradise Lakes Rv Park Condo | 1 | 0 | $187,000 | $187,000 |
| Grandaddy Oaks | 1 | 0 | $139,900 | $139,900 |
| Paradise Lakes Condo | 1 | 0 | $139,000 | $139,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Lutz?
What do homes under $300K cost in Lutz?
Which Lutz community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Lutz, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.