Listing data updated September 5, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,331Sq Ft
2001Year Built
$225Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$225 here vs $207 median sold (12 mo)
Buyer leverage
Seller-leaning
77 days on market
1.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~64 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 4
Price vs recent sales
Asking $525k is at or below all 4 recent closed sales
As of September 5, 2026, 19218 Sea Mist Lane in Heritage Harbor Ph 1B, Lutz is listed at $525,000 (2,331 sq ft, about $225 per sq ft). That sits within a few percent of Heritage Harbor Ph 1B's median closed sale of $590,000 over the last 12 months (14 recorded sales). It has been 77 days on market, longer than the community's typical 15 days to contract. Listing facts: built in 2001, HOA dues of $258/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2001 · 25 yrs
2,331 sq ft of living area
2-car garage
Listed at $525,000 — recent neighborhood median sale price ~$590,000 (nearby sales; deemed reliable, not an appraisal)
77 days on market
HOA $258/mo (per listing)
Momentum Research · HERITAGE HARBOR PH 1B
Pricing & the HERITAGE HARBOR PH 1B market
How this home is priced against recent nearby sales, and where HERITAGE HARBOR PH 1B 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 HERITAGE HARBOR PH 1B
Each dot is a closed sale since 2004 (144 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, 2014–2026. This home lists at $225/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 59 (normal).
Property timeline
This home’s history
2001BuiltPer public record
Jul 10, 2026First trackedObserved at $548,000
Aug 28, 2026Price cut$525,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$3,660/mo
Principal & interest $2,713/mo74%
Taxes $459/mo13%
Insurance $230/mo6%
HOA $258/mo7%
$3,660/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Strongest on: Flood safety (95), Market liquidity (86)
0 limited50100 exceptional
61/100 is solid, mid-pack 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 area28
This home $225/sq ft vs the community 12-month median $207/sq ft.
Affordability68
List price $525,000 vs the community median $590,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~64 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2001 build. Obtain a property-specific quote.
Market liquidity86
Community median 15 days on market, ~1.4 months of supply (12-month record).
Renovation upside28
From a 2001 build and $225/sq ft vs the community median $207/sq ft. Not a condition assessment.
Buyer competition80
20% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power49
Recent sales closed at about 98.2% of original asking (~1.8% below). More room below asking generally favors buyers.
Market timing41
Momentum Market Heat is 59/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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. 1.4 months of supply in the surrounding market and 77 days on market for this home, against a 15-day area median.Days on market:this home 77Area median: 15 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 2004 through 2026. As of August 2, 2026.
🟡 Asking $225 per square foot, about 9% above the community’s $207 median. HERITAGE HARBOR PH 1B’s 12-month median sold price per square foot is $207. Median sold price per square foot is down 6.2% year over year. Confidence: Medium · 14 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.
79% of homes in HERITAGE HARBOR PH 1B are owner-occupied. An estimated 21% are non-owner-occupied, including 7% held in a company or trust and 8% 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), 660 homes matched. Community-level context.
Recent HERITAGE HARBOR PH 1B sales closed near 98.2% of original asking. Cash paid for about 20% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in HERITAGE HARBOR PH 1B, no CDD assessment.
Updated September 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this beautifully maintained 3-bedroom, 2-bath home with a separate den/office located in the highly desirable Sea Cove Village of Heritage Harbor, where lawn maintenance is included for easy Florida living. Perfectly positioned on a premium golf course and pond-front homesite, this home offers breathtaking views from the screened lanai and a peaceful setting to enjoy year-round. A charming covered front porch welcomes you inside to a thoughtfully designed split-bedroom floor plan featuring rich hardwood flooring throughout the kitchen, dinette, family room, den, and primary suite.
The spacious family room is highlighted by a cozy wood-burning fireplace, creating the perfect gathering space for family and friends. The separate home office/den is ideal for remote work and includes custom built-in cabinetry and desk space. The kitchen overlooks the family room and dinette, allowing everyone to enjoy the spectacular pond and golf course views.
Retreat to the private primary suite featuring a custom-designed walk-in closet and a beautifully renovated en-suite bathroom. Additional upgrades include plantation shutters throughout and hurricane shutters for added peace of mind. Step outside to the screened rear patio and relax while overlooking the scenic golf course fairway and tranquil pond views.
This outdoor living space provides the perfect backdrop for morning coffee, evening sunsets, and entertaining guests. Residents of Heritage Harbor enjoy access to outstanding resort-style amenities: Championship golf course, Resort-style swimming pool with waterslide, Clubhouse, Fitness center, Tennis courts, Basketball courts, Sand volleyball court, Playground, Sports fields, Walking and biking paths, Community activities and events. Located within the highly sought-after A-rated school district of McKitrick Elementary, Martinez Middle School, and Steinbrenner High School, this exceptional home combines comfort, convenience, and an unbeatable lifestyle.
Don't miss this rare opportunity to own a golf course and pond-front home in one of Lutz's most desirable communities.
Description provided by ADVANTAGE REALTY SERVICES, INC and reproduced from the MLS; not independently verified.
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$525,000
Bed / bath3 / 2
Living area2,331 sq ft
Year built2001
Property typeSingle Family Residence
Garage2-car
MLS #TB8518906
Listing status77 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~64 ft
Windstorm exposureLow
CountyHillsborough
Area listings2 active · 0 under contract
Estimated first-year tax~$5,512/yr
CDD assessmentNone on record
HOA (per listing)$258/mo
Calculated estimates
Price per sq ft$225
Estimated monthly payment$3,660
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$590,000
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
Listing courtesy of ADVANTAGE REALTY SERVICES, INC · Listing agent: Karen Joyal · 813-908-8300Provided 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.
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.
$424,242the mess$540,792
Actual list price: $525,000 — 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 renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
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:
This home: 77 days on market vs. a 15-day community median
3 active listings competing
≈1.4 months of supply
16 closed here in the last 12 months
For reference, this home is listed at $525,000 ($225/sq ft) — a number set with analysis a Messtimate can't do.
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: 2,331 sq ft × $182–$232/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 5, 2026.
Keep looking
Similar homes for sale near HERITAGE HARBOR PH 1B
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.
Listed for $525,000Momentum Realty · on market 77 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
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.)
~$5,512/yr
A rough first-year estimate only, applying a typical Hillsborough rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$258/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~64 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by ADVANTAGE REALTY SERVICES, INC · MLS # TB8518906
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Market data · public records
Recent sales activity in HERITAGE HARBOR PH 1B
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HERITAGE HARBOR PH 1B neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$590,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$207
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HERITAGE HARBOR PH 1B
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
33-story tower planned for Water Street Tampa expansion
Strategic Property Partners plans a 33-story mixed use tower at Water Street and Cumberland Avenue in downtown Tampa on a 1.9-acre site. The building would hold 452 residential units ranging from studios to three bedrooms plus about 37,000 square feet of retail and 645 parking spaces. Construction is scheduled to begin in spring 2027 with completion targeted for 2029.
Why it matters: Adds a 33 story tower with 452 residential units and ground floor retail to the downtown Tampa market, continuing the buildout of the Water Street district and expanding high rise housing supply. The project is about 16 miles south of Heritage Harbor, elsewhere in Hillsborough County.
Mercy Oaks II affordable apartments open on North Florida Avenue
Catholic Charities, with the City of Tampa and Hillsborough County, completed Mercy Oaks II, a 17-unit affordable apartment building on North Florida Avenue in East Tampa built on the site of a former strip mall. The project includes 15 one-bedroom and two two-bedroom units, with seven units serving households up to 80 percent of area median income and ten up to 50 percent. It was supported by 1.25 million dollars in state SHIP funds from the city and sits next to the 20-unit Mercy Oaks I completed in 2022.
Why it matters: Adds 17 income restricted apartments on a former strip mall site, expanding the affordable rental supply and converting vacant commercial land to housing. The project is about 11 miles south of Heritage Harbor, elsewhere in Hillsborough County.
First 3D-printed affordable home nears completion in East Tampa
The nonprofit Corporation to Develop Communities of Tampa is completing Tampa's first 3D-printed affordable home on Lurline Circle in East Tampa, using a gantry-style printer that layers concrete for the walls. The house is expected to be finished within weeks and listed for sale in about two months, with down payment assistance and first time homebuyer programs available. The effort is part of a broader CDC initiative that includes more than 90 multifamily units in East Tampa.
Why it matters: Introduces 3D concrete printing construction to the local for sale housing market, with a new single family home and additional multifamily units planned. The method signals a new building technique entering the area home supply. The project is about 14 miles southeast of Heritage Harbor, elsewhere in Hillsborough County.
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 8 miles north of Heritage Harbor.
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.
GRADEA
McKitrick-HBAssigned elementary school · Hillsborough County School District · Grade A (Florida DOE 2025-26)
GRADEA
Martinez-HBAssigned middle school · Hillsborough County School District · Grade A (Florida DOE 2025-26)
GRADEA
Steinbrenner High SchoolAssigned high school · Hillsborough County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$555,000
4204 HARBOR LAKE DRIVE, LUTZ
4 / 2.5 bd/ba · 2,430 sq ft · $228/sq ft
Courtesy of LPT REALTY, LLC · View details →
Sold Mar 2026
$725,000
4305 HARBOR LAKE DRIVE, LUTZ
4 / 3 bd/ba · 2,571 sq ft · $282/sq ft
Courtesy of MIHARA & ASSOCIATES INC. · View details →
Sold Apr 2026
$599,000
19333 AQUA SPRINGS DRIVE, LUTZ
4 / 3 bd/ba · 2,842 sq ft · $211/sq ft
Courtesy of MIHARA & ASSOCIATES INC. · View details →
Sold May 2026
$590,000
4211 HARBOR LAKE DRIVE, LUTZ
4 / 2.5 bd/ba · 2,890 sq ft · $204/sq ft
Courtesy of NEW DIMENSIONS REALTY INC. · View details →
Community 12-month median: $207/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,406 – $3,500/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,325 – −$340At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
LUTZ
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 5, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 19218 SEA MIST LANE 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 a typical county millage rate to the list price 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.
