Single Family Residence in CRYSTAL LAKES VIEW, LUTZ · No CDD on record
CRYSTAL LAKES VIEW · Lutz, FL 33548 · Hillsborough County
Listing data updated October 3, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
2,066Sq Ft
1978Year Built
$242Per Sq Ft
WaterfrontNo CDD on record
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.
5% below
$/sq ft vs community
$242 here vs $256 median sold (12 mo)
Buyer leverage
Strong seller market
8 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 703 Crystal Lake Road in Crystal Lakes View, Lutz is listed at $499,900 (2,066 sq ft, about $242 per sq ft). It has been 8 days on market. Listing facts: built in 1978, waterfront, 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
2,066 sq ft of living area
Listed at $499,900 — recent neighborhood median sale price ~$527,500 (nearby sales; deemed reliable, not an appraisal)
8 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Under contract-accepting backup offers. RARE DUAL-WATERFRONT SETTING ON 1.14+ ACRES IN LUTZ! Discover a property that's difficult to duplicate—water on both sides, with approximately 194' of waterfront on SKI LAKE (40-acre Strawberry Lake behind the home) and additional frontage on 18-acre Crystal Lake across Crystal Lake Road.
This 2,066 sq. ft. home offers 3 bedrooms, 2 baths plus a den/home office, combining acreage, waterfront, privacy and flexible living space in an established Lutz setting.
The heart of the home is the huge family room with cathedral ceilings, where expansive windows and glass doors draw your eyes straight toward Strawberry Lake. Step outside to the screened porch and wood deck and enjoy the peaceful waterfront setting, wildlife and changing views throughout the day. The spacious kitchen provides abundant cabinetry and counter space, breakfast-bar seating, stainless-steel refrigerator and dishwasher, and a distinctive light-filled tray ceiling with recessed lighting.
Its generous footprint provides plenty of room to enjoy today while offering excellent possibilities for a future buyer who wants to personalize the space. The primary suite includes convenient exterior access toward the rear deck and lake. Its bath has been updated with a large tiled walk-in shower featuring two independently controlled shower heads on separate walls, a built-in corner seat and glass enclosure.
Two additional bedrooms plus the separate den provide flexibility for a home office, guests, hobbies or additional living space. The home has also benefited from recent interior painting, new carpeting and a NEW ROOF IN 2025—an especially valuable improvement for today's Florida homeowner. But the real story is outside.
With more than 1.14 acres, approximately 194 feet along Strawberry Lake, a screened porch, wood deck and expansive waterfront yard, the property offers the space to enjoy Florida lakefront living without feeling crowded by neighboring homes. And the water doesn't stop at the backyard—the property also extends across Crystal Lake Road to Crystal Lake, creating the unusual experience of owning waterfront on two separate lakes. Imagine morning coffee overlooking Strawberry Lake, evenings relaxing on the screened porch or deck, and having more than an acre to make your own.
All of this is in Lutz with convenient access to shopping, dining, major roadways and the greater Tampa Bay area. The kitchen can be personalized. The acreage, lake frontage and water on both sides can't be recreated.
Come see what makes 703 Crystal Lake Road different.
Description provided by FIRST QUALITY PROPERTIES and reproduced from the MLS; not independently verified.
Listing courtesy of FIRST QUALITY PROPERTIES · Listing agent: Mark Cravens · 813-948-2067Provided 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$499,900
Bed / bath3 / 2
Living area2,066 sq ft
Year built1978
Property typeSingle Family Residence
MLS #TB8546999
Listing status8 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~64 ft
CountyHillsborough
Area listings0 active · 1 under contract
Estimated first-year tax~$5,249/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$242
Estimated monthly payment$3,445
Insurance (illustrative)$2k–$4k/yr
Messtimate range$504,104 – $592,942
Comparable-sales median$527,500
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
$3,445/mo
Principal & interest $2,736/mo79%
Taxes $437/mo13%
Insurance $271/mo8%
$3,445/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.)
~$5,249/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–$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 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 · Crystal Lakes View
Pricing & the Crystal Lakes View market
How this home is priced against recent nearby sales, and where Crystal Lakes View 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.
Property timeline
This home’s history
1978BuiltPer public record
Sep 12, 2026First seen on movewithmomentum.comObserved at $499,900
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 $499,900Momentum Realty · on market 8 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles 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 Mar 2026
$525,000
16517 LAKE HEATHER DRIVE, TAMPA
4 / 2 bd/ba · 2,066 sq ft · $254/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Jun 2026
$590,000
19254 FISHERMANS BEND DRIVE, LUTZ
3 / 2 bd/ba · 2,053 sq ft · $287/sq ft
Courtesy of FLORIDA PROPERTY BROKERS REALT · View details →
Sold Jul 2026
$500,000
19305 SEA MIST LANE, LUTZ
4 / 3 bd/ba · 2,053 sq ft · $244/sq ft
Courtesy of AGILE GROUP REALTY · View details →
Sold Nov 2025
$530,000
19107 2ND COURT, LUTZ
2 / 2.5 bd/ba · 2,050 sq ft · $259/sq ft
Courtesy of DALTON WADE INC · View details →
Sold Apr 2026
$650,000
4308 AVENUE CANNES, LUTZ
3 / 2 bd/ba · 2,046 sq ft · $318/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Apr 2026
$450,000
16701 SHEFFIELD PARK DRIVE, LUTZ
3 / 2 bd/ba · 2,091 sq ft · $215/sq ft
Courtesy of STELLAR NON-MEMBER OFFICE · View details →
Median of these 6 sales: $527,500 ($256/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.
$504,104the mess$592,942
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $499,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 18% 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
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:
0 active listings competing, 1 under contract
2 closed here in the last 12 months
For reference, this home is listed at $499,900 ($242/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: 2,066 sq ft × $244–$287/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Research
The Momentum read
🟡 Asking $242 per square foot, about 5% below the community’s $256 median. Crystal Lakes View’s 12-month median sold price per square foot is $256. 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.
81% of homes in Crystal Lakes View are owner-occupied. An estimated 19% are non-owner-occupied, including 4% held in a company or trust and 2% 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), 52 homes matched. Community-level context.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FIRST QUALITY PROPERTIES · MLS # TB8546999
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Keep looking
Similar homes for sale near CRYSTAL LAKES VIEW
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.
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 21 miles south of Crystal Lakes View, 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 15 miles south of Crystal Lakes View, 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 18 miles south of Crystal Lakes View, 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 3 miles north of Crystal Lakes View.
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
GRADEC
Buchanan-HBAssigned middle school · Hillsborough County School District · Grade C (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 →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 703 Crystal Lake Road, 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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,066 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 $5,249/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 within about 3 miles, 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 703 Crystal Lake Road and when was it built?
Per the listing record, 703 Crystal Lake Road was built in 1978 and has 2,066 sq ft of living area, 3 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 703 Crystal Lake Road in?
703 Crystal Lake Road is in Crystal Lakes View in Lutz, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 703 Crystal Lake Road 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 703 Crystal Lake Road differ from the current owner's?
The estimate on this page (about $5,249 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 703 Crystal Lake Road 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.
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See 703 CRYSTAL LAKE ROAD in person
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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.
