19 days on marketTownhouse▼ Price cut: $9,100 (9/23)
$459,900
3-Bedroom Townhome in TOWNES AT CYPRESS RANCH
2213 Cerulean Sky Drive, Lutz, FL 33558
Townhouse in TOWNES AT CYPRESS RANCH, LUTZ · No CDD · Built 2022
TOWNES AT CYPRESS RANCH · Lutz, FL 33558 · Pasco
Listing data updated September 25, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
2,363Sq Ft
2022Year Built
$195Per Sq Ft
2-car garageNo CDD
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
$195 here vs $195 median sold (12 mo)
Buyer leverage
Seller-leaning
19 days on market
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 25, 2026, 2213 Cerulean Sky Drive in Townes At Cypress Ranch, Lutz is listed at $459,900 (2,363 sq ft, about $195 per sq ft). It has been 19 days on market. Listing facts: built in 2022, HOA dues of $226/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2022 · 4 yrs
2,363 sq ft of living area
2-car garage
19 days on market
HOA $226/mo (per listing)
Property timeline
This home’s history
2022BuiltPer public record
Sep 3, 2026First trackedObserved at $475,000
Sep 14, 2026Price cut$469,000
Sep 23, 2026Price cut$459,900
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
$3,197/mo
Principal & interest $2,435/mo76%
Taxes $402/mo13%
Insurance $134/mo4%
HOA $226/mo7%
$3,197/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current Pasco County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,500/yr ($375/mo)
+$2,125 more each year
(+47%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$70,894
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
37/100
Strongest on: Price vs area (50), Affordability (50)
0 limited50100 exceptional
37/100 is limited 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 $195/sq ft vs the community 12-month median $195/sq ft.
Affordability50
List price $459,900 vs the community median $459,900. Not a measure of personal affordability.
Renovation upside10
From a 2022 build and $195/sq ft vs the community median $195/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 $195 per square foot, about in line with the community’s $195 median. TOWNES/CYPRESS RANCH’s 12-month median sold price per square foot is $195. 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 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
USDA ELIGIBLE AREA* | $7,500 SELLER CONCESSION | 2ND-FLOOR HURRICANE IMPACT WINDOWS | NO CDD | FLOOD ZONE X | POND & CYPRESSHEAD PRESERVE VIEWS | WALK TO A-RATED SKYBROOKE K-8 WITH AEROSPACE/ROBOTICS PATHWAYS Seller is offering up to $7,500 toward buyer closing costs and/or an interest-rate buydown with an acceptable offer and lender approval. HOME IS NOW OFFERED BELOW ITS PRE- LISTING APPRAISED VALUATION. USDA-qualified buyers may also be eligible for 100% financing with no down payment, subject to program, borrower, property and lender requirements.
What sets this home apart is not simply how it looks, but what is already here, upgraded and fully owned. Start with features that are expensive to add after closing: second-floor hurricane impact windows, owned RainSoft whole-home water softening and filtration, a transformed walk-in pantry with custom storage and frosted-glass sliding barn door, Shady Grove Pine luxury vinyl plank throughout the second floor with coordinating finished stairs, and a custom-designed walk-in closet built in solid wood that brings boutique-style organization to your daily routine. Then there are advantages that cannot be added later: a serene view overlooking the pond and Cypresshead preserve, Flood Zone X, no CDD and a location where you can walk the kids to school—NO MORE CARLINE!
Community amenities include green spaces, a park, playground and dog park. Convenient to SR 54, approximately 5 minutes from SR 589 and US 41, 20 minutes from I-75 and Tampa Premium Outlets, and 30 minutes from downtown Tampa, while still coming home to a peaceful pond and preserve setting where nature comes alive. Townhome convenience includes a two-car garage, loft, screened lanai, storage and scenic rear view without lawn maintenance.
Add first-floor storm protection, an insulated garage door, Moen Flo smart water shutoff, ADT fire and glass-break security, Ring camera, MyQ garage camera and Taexx in-wall pest defense—costly upgrades already in place. The home also goes beyond standard builder finishes, with concrete block construction on both stories, rounded drywall corners and crown molding. The kitchen features 42-inch Timberlake cabinetry with crown molding and in-cabinet pull-out shelving, 3 cm granite, oversized island, glass tile backsplash, matte black hardware, motion-activated under-cabinet lighting, newer sink and matte black pull-down faucet with integrated soap dispenser.
The oversized primary suite includes upgraded bath finishes and mirrors, shower shelving and enough room for a couch! Additional enhancements include laundry cabinetry with crown molding, newer ceiling fans, matte black interior door hardware and custom garage storage. Built in 2022, the home offers a HERS Index score of 59 before enhancements, smart-home technology, and the seller reports average electric costs of approximately $154 per month.
Major appliances and installed accessories convey, reducing immediate post-closing purchases. The result: much of the costly post-closing improvement list is already complete! Detailed feature list, utility history, HERS certificate, survey and 2023 four-point inspection available in listing supplements.
USDA financing is subject to property eligibility, borrower qualification and lender/USDA approval. Buyer to verify USDA eligibility, school assignment and programs, HOA fees, services, inclusions and restrictions.
Description provided by LIST NOW REALTY, LLC 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$459,900
Bed / bath3 / 2.5
Living area2,363 sq ft
Year built2022
Property typeTownhouse
Garage2-car
MLS #G5117252
Listing status19 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyPasco
Area listings0 active · 0 under contract
Estimated first-year tax~$4,829/yr
CDD assessmentNone on record
HOA (per listing)$226/mo
Calculated estimates
Price per sq ft$195
Estimated monthly payment$3,197
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$459,900
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 LIST NOW REALTY, LLC · Listing agent: Matt Buttner · 352-385-7636Provided 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.
$406,436the mess$515,134
Actual list price: $459,900 — 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 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 $226/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 $459,900 ($195/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: 2,363 sq ft × $172–$218/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 25, 2026.
Keep looking
Similar homes for sale near TOWNES AT 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 $459,900Momentum Realty · on market 19 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.)
~$4,829/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 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
$226/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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.
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Listed by LIST NOW REALTY, LLC · MLS # G5117252
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Market data · public records
Recent sales activity in TOWNES AT 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 AT CYPRESS RANCH neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$459,900
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$195
Canonical 12-month median $/sq ft. Reference only.
Go deeper on TOWNES AT 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.
Skybrooke K-8Assigned elementary school · Pasco County School District
Skybrooke K-8Assigned middle school · Pasco County School District
GRADEA
Sunlake High School-POAssigned high school · Pasco 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.
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$2,108 – $3,066/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,148 – −$286At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2213 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 $226/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,363 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 $4,829/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed twice daily (last: September 25, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 2213 Cerulean Sky Drive and when was it built?
Per the listing record, 2213 Cerulean Sky Drive was built in 2022 and has 2,363 sq ft of living area, 3 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 2213 Cerulean Sky Drive in?
2213 Cerulean Sky Drive is in Townes At Cypress Ranch in Lutz, Pasco County. The community section on this page shows recent closed sales, days on market, and active inventory for Townes At Cypress Ranch from the same MLS data.
Does 2213 Cerulean Sky Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $226 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 2213 Cerulean Sky Drive differ from the current owner's?
The estimate on this page (about $4,829 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 2213 Cerulean Sky 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 2213 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.
