54 days on market (MLS)Single Family Residence▼ Price cut: $10,000 (8/22)
$329,900
4-Bedroom Home in WINDEMERE UNIT I
18425 Swan Lake Drive, Lutz, FL 33549
Single Family Residence in WINDEMERE UNIT I, LUTZ · No CDD on record
WINDEMERE UNIT I · Lutz, FL 33549 · Hillsborough County
Listing data updated October 3, 2026 · refreshed hourly
4Bedrooms
2Bathrooms
1,820Sq Ft
1978Year Built
$181Per Sq Ft
1-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
17% below
$/sq ft vs community
$181 here vs $218 median sold (12 mo)
Buyer leverage
Seller-leaning
54 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 18425 Swan Lake Drive in Windemere Unit I, Lutz is listed at $329,900 (1,820 sq ft, about $181 per sq ft). That sits within a few percent of Windemere Unit I's median closed sale of $381,250 over the last 12 months (2 recorded sales). Per square foot it is below the community's recent $218/sq ft by about 17%. It has been 54 days on market. Listing facts: built in 1978, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1978 · 48 yrs
1,820 sq ft of living area
1-car garage
Listed at $329,900 — recent neighborhood median sale price ~$381,250 (nearby sales; deemed reliable, not an appraisal)
54 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Under contract-accepting backup offers. Welcome to one of the best values in the community! This spacious 4-bedroom, 2-bath home with a dedicated den offers approximately 1,830 square feet of comfortable living space and is currently the best-priced home available in the neighborhood.
Designed with both functionality and efficiency in mind, this home features fully owned, paid-off solar panels, no lease and no loan, helping reduce monthly energy costs while providing long-term savings and added value for years to come. The open floor plan includes a separate den that is perfect for a home office, playroom, fitness space, or additional guest area. The open living and dining areas provide plenty of room for everyday living and entertaining.
Outside you can enjoy Florida living year-round from the screened porch, offering the perfect place to relax with your morning coffee or unwind after a long day. The ½ car garage provides ample room for storage, tools, or recreational equipment. Conveniently located near shopping, dining, schools, parks, and major roadways, this home offers both comfort and convenience in a highly desirable community.
Opportunities like this don't come along often. With its spacious layout, energy-efficient solar system, screened outdoor living space, and aggressive pricing, this home is positioned to sell quickly. Schedule your private showing today before this exceptional value is gone!
3D floor plan available upon request. FHA, VA & Conventional Financing Welcome! Home passed a 4pt inspection and wind mitigation inspection 8/6/2026.
Description provided by CHARLES RUTENBERG REALTY INC and reproduced from the MLS; not independently verified.
Listing courtesy of CHARLES RUTENBERG REALTY INC · Listing agent: Jose Cruz, Jr · 727-538-9200Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$329,900
Bed / bath4 / 2
Living area1,820 sq ft
Year built1978
Property typeSingle Family Residence
Garage1-car
MLS #TB8521778
Listing status54 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~64 ft
CountyHillsborough
Area listings1 active · 2 under contract
Estimated first-year tax~$3,464/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$181
Estimated monthly payment$2,273
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$381,250
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,273/mo
Principal & interest $1,806/mo79%
Taxes $289/mo13%
Insurance $179/mo8%
$2,273/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,464/yr
Estimate: a typical Hillsborough effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~64 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Hillsborough County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Hillsborough County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Moderate
HailRelatively High
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · windemere unit v
Pricing & the windemere unit v market
How this home is priced against recent nearby sales, and where windemere unit v has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in windemere unit v
Each dot is a closed sale since 2005 (74 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2014–2025. This home lists at $181/sq ft.
Median sale price by year
12-month median closed price, 2014–2025.
Property timeline
This home’s history
1978BuiltPer public record
Jul 10, 2026First seen on movewithmomentum.comObserved at $364,900
Aug 4, 2026Price cut$349,900 (-$15,000, -4.1%)
Aug 14, 2026Price cut$339,900 (-$10,000, -2.9%)
Aug 22, 2026Price cut$329,900 (-$10,000, -2.9%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $329,900Momentum Realty · on market 54 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales in WINDEMERE UNIT I in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2025
$497,500
18410 STERLING SILVER CIRCLE, LUTZ
3 / 2.5 bd/ba · 1,950 sq ft · $255/sq ft
Courtesy of LANTES REALTY GROUP LLC · View details →
Sold Sep 2025
$497,500
18410 STERLING SILVER CIRCLE, LUTZ
3 / 2.5 bd/ba · 1,950 sq ft · $255/sq ft
Courtesy of LANTES REALTY GROUP LLC · View details →
Sold Oct 2025
$265,000
18412 SWAN LAKE DRIVE, LUTZ
3 / 2 bd/ba · 1,464 sq ft · $181/sq ft
Courtesy of MIHARA & ASSOCIATES INC. · View details →
Sold Oct 2025
$265,000
18412 SWAN LAKE DRIVE, LUTZ
3 / 2 bd/ba · 1,464 sq ft · $181/sq ft
Courtesy of MIHARA & ASSOCIATES INC. · View details →
Median of these 4 sales: $381,250 ($218/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$349,440the mess$444,080
Stronger local evidence — 4 comparable closed sales in WINDEMERE UNIT I, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $329,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1978 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing, 2 under contract
≈3.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $329,900 ($181/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,820 sq ft × $192–$244/sq ft (±12% around the median of 4 comparable closed sales in WINDEMERE UNIT I, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
75/100
Strongest on: Price vs area (92), Affordability (72)
0 limited50100 exceptional
75/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area92
This home $181/sq ft vs the community 12-month median $218/sq ft.
Affordability72
List price $329,900 vs the community median $381,250. Not a measure of personal affordability.
Market liquidity62
Community inventory, ~3.0 months of supply (12-month record).
Coverage: 3 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.0 months of supply in the surrounding market and 54 days on market for this home, against a 139-day area median.Days on market:this home 54Area median: 139 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2025. As of September 20, 2026.
🟡 Asking $181 per square foot, about 17% below the community’s $218 median. windemere unit v’s 12-month median sold price per square foot is $218. Confidence: Low · 2 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
78% of homes in windemere unit v are owner-occupied. An estimated 22% are non-owner-occupied, including 5% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 217 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in windemere unit v, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CHARLES RUTENBERG REALTY INC · MLS # TB8521778
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Keep looking
Similar homes for sale near WINDEMERE UNIT I
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Development
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
Why it matters: A new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The site is about 2 miles north of Windemere.
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
Why it matters: A large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The site is about 5 miles northwest of Windemere.
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
Why it matters: Added outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The site is about 7 miles southeast of Windemere.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Lutz-HBAssigned elementary school · Hillsborough County School District
GRADEA
Liberty-HBAssigned middle school · Hillsborough County School District · Grade A (Florida DOE 2025-26)
GRADEC
Freedom-HBAssigned high school · Hillsborough County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 18425 Swan Lake Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,820 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,464/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, refreshed hourly (last: October 3, 2026)
Comparable sales
Stellar MLS closed sales in WINDEMERE UNIT I, last 18 months, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 18425 Swan Lake Drive and when was it built?
Per the listing record, 18425 Swan Lake Drive was built in 1978 and has 1,820 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 18425 Swan Lake Drive in?
18425 Swan Lake Drive is in Windemere Unit I in Lutz, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 18425 Swan Lake Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 18425 Swan Lake Drive differ from the current owner's?
The estimate on this page (about $3,464 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 18425 Swan Lake Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 18425 SWAN LAKE DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
