52 days on marketTownhouse▼ Price cut: $15,000 (8/4)
$330,000
2-Bedroom Townhome in TOWNES/CYPRESS RANCH
2188 Cerulean Sky Drive, Lutz, FL 33558
Townhouse in TOWNES/CYPRESS RANCH, LUTZ · No CDD · Built 2022
TOWNES/CYPRESS RANCH · Lutz, FL 33558 · Pasco
Listing data updated September 26, 2026 · refreshed twice daily
2Bedrooms
2.5Bathrooms
1,541Sq Ft
2022Year Built
$214Per Sq Ft
1-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.
in line with
$/sq ft vs community
$214 here vs $214 median sold (12 mo)
Buyer leverage
Buyer advantage
52 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~58 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 26, 2026, 2188 Cerulean Sky Drive in Townes/Cypress Ranch, Lutz is listed at $330,000 (1,541 sq ft, about $214 per sq ft). It has been 52 days on market. Listing facts: built in 2022, HOA dues of $306/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 2022 · 4 yrs
1,541 sq ft of living area
1-car garage
52 days on market
HOA $306/mo (per listing)
Property timeline
This home’s history
2022BuiltPer public record
Jul 10, 2026First trackedObserved at $345,000
Aug 4, 2026Price cut$330,000
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
$2,452/mo
Principal & interest $1,762/mo72%
Taxes $289/mo12%
Insurance $96/mo4%
HOA $306/mo12%
$2,452/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
57/100 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 area50
This home $214/sq ft vs the community 12-month median $214/sq ft.
Affordability50
List price $330,000 vs the community median $330,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~58 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Renovation upside10
From a 2022 build and $214/sq ft vs the community median $214/sq ft. Not a condition assessment.
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
🟡 Asking $214 per square foot, about in line with the community’s $214 median. TOWNES/CYPRESS RANCH’s 12-month median sold price per square foot is $214. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
29% of homes in TOWNES/CYPRESS RANCH are owner-occupied. An estimated 71% are non-owner-occupied, including 43% held in a company or trust and 43% 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), 136 homes matched. Community-level context.
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
MOTIVATED SELLER! Come see this MOVE-IN READY well maintained two-story townhome on a CORNER LOT in Lutz, FL! The home has 2 bedrooms, 2.5 baths, one car garage, driveway, and fully screened and covered lanai.
The first floor of the home features a small foyer off the front entryway with a coat closet that has rack storage and open storage underneath. The foyer opens to the large Great Room, which has direct access to a cozy dinette nook and well equipped kitchen. The Great Room and dinette nook feature three large windows with cordless blinds that allow the room to be bathed in great sunlight when opened.
The kitchen features stainless steel GE appliances, granite countertops, a breakfast bar with room for high-top seating, and plenty of cabinet space for storage. The kitchen also features double sinks, ceramic tile flooring, and a pantry. The fully screened and covered lanai is accessible right off the dinette nook.
The stairs lead to the second floor of this home which features a sizable multipurpose loft, large enough for office or lounge furniture. The laundry room is just off the loft area and features GE washer and dryer appliances, as well as elevated cabinets for extra laundry storage. The loft divides the primary bedroom from the additional bedroom.
The primary bedroom is off of a small walkway from the loft, and features two large room windows, a sizable walk-in closet, a ceiling fan with light fixture, as well as a private bathroom. The primary bathroom features double sinks with granite countertops and cabinet space underneath, a shower, ceramic tile flooring, and a small window to let in sunlight and breeze. The second bedroom features a large room window, a sizable walk-in closet, a ceiling fan with light fixture, and an ensuite bathroom that includes a combination shower and tub, a single sink/vanity with cabinet space underneath, and a small window to let in sunlight and breeze.
Crown molding is featured throughout the home. The home also comes with the Taexx System by HomeTeam Pest Defense. This is a great opportunity to own a well-maintained private townhome residence on a corner lot that has had only one owner, with no live-in pets, and no smoking.
Water/sewage, and lawn/ground maintenance is included in the monthly HOA fee. No CDD. The home is conveniently located within short walking distance of a large fitness center, fast food and health food eateries, a grocery store, and a gas station.
Schedule your appointment to see the property today!
Description provided by HOMETRUST REALTY GROUP 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$330,000
Bed / bath2 / 2.5
Living area1,541 sq ft
Year built2022
Property typeTownhouse
Garage1-car
MLS #TB8515866
Listing status52 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~58 ft
Windstorm exposureLow
CountyPasco
Area listings0 active · 0 under contract
Estimated first-year tax~$3,465/yr
CDD assessmentNone on record
HOA (per listing)$306/mo
Calculated estimates
Price per sq ft$214
Estimated monthly payment$2,452
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$330,000
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 HOMETRUST REALTY GROUP · Listing agent: LaToddrea Key · 813-444-5777Provided 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.
$289,708the mess$369,840
Actual list price: $330,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 — this home carries HOA dues of $306/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
4 active listings competing
For reference, this home is listed at $330,000 ($214/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: 1,541 sq ft × $188–$240/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 26, 2026.
Keep looking
Similar homes for sale near TOWNES/CYPRESS RANCH
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 $330,000Momentum Realty · on market 52 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.)
~$3,465/yr
A rough first-year estimate only, applying a typical Pasco 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)
$1k–$2k/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
$306/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
~58 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?
Want to see 2188 CERULEAN SKY DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by HOMETRUST REALTY GROUP · MLS # TB8515866
Request a showing
Market data · public records
Recent sales activity in TOWNES/CYPRESS RANCH
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 TOWNES/CYPRESS RANCH neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$330,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$214
Canonical 12-month median $/sq ft. Reference only.
Go deeper on TOWNES/CYPRESS RANCH
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
Pomelo Square mixed-use community advances in Wesley Chapel
Ryan Cos. and PulteGroup are advancing Pomelo Square, a mixed use development at the northeast corner of Old Pasco Road and Overpass Road in Wesley Chapel. Plans call for 415 residential units made up of 325 apartments and 90 townhomes, about 42,000 square feet of retail, and a hotel pad. Completion is targeted for the first quarter of 2028.
Why it matters: Adds a mixed use community of apartments and townhomes with retail space and a hotel pad, expanding housing and commercial supply in a growing Pasco County corridor. The project is about 13 miles northeast of Townes Cypress Ranch, elsewhere in Pasco 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 7 miles northeast of Townes Cypress Ranch.
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 7 miles north of Townes Cypress Ranch.
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 project is about 11 miles east of Townes Cypress Ranch, elsewhere in Pasco County.
Schools currently assigned to this address in Pasco 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.
Pasco County Public Schools (verify by address)Public · Pasco County School District
Confirm zoned elementary, middle, and highBy address · Pasco County School District
Magnet and choice options may applyChoice · Pasco County School District
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.
No closely comparable recent sales were found in this data set.
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$1,512 – $2,200/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$981 – −$362At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2188 Cerulean Sky Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $306/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,541 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 $3,465/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed twice daily (last: September 26, 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
How big is 2188 Cerulean Sky Drive and when was it built?
Per the listing record, 2188 Cerulean Sky Drive was built in 2022 and has 1,541 sq ft of living area, 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2188 Cerulean Sky Drive in?
2188 Cerulean Sky Drive is in Townes/Cypress Ranch in Lutz, Pasco County. The community section on this page shows recent closed sales, days on market, and active inventory for Townes/Cypress Ranch from the same MLS data.
Does 2188 Cerulean Sky Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $306 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2188 Cerulean Sky Drive differ from the current owner's?
The estimate on this page (about $3,465 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 2188 Cerulean Sky Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 2188 CERULEAN SKY 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 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.
