Waterfront Homes for Sale in Lutz, FL
This page tracks every Lutz listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
43 waterfront homes are for sale or pending in Lutz, FL today across 32 communities. The median asking price is $664,900, from $310,000 to $7,695,000. Listings in Lutz without that feature have a median of $475,000. Most listings right now: Chapman Manors (2), Willow Bend (2), Triple Lakes Sub (2). Updated September 27, 2026 from the MLS.
Live waterfront homes in Lutz: the listings
27 active listings carry the flag today (15% of Lutz inventory), median asking $664,900, $251/sq ft, median 72 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Lutz
The most expensive waterfront homes in Lutz
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 117 Bellamere Palms Court | $4,150,000 | 6,820 | Bellamere |
| 4123 Highland Park Circle | $2,395,000 | 7,314 | Cheval Polo & Golf Club |
| 2202 Newberger Road | $1,750,000 | 6,167 | Wellington Manors |
| 708 Warren Road | $975,000 | 3,889 | Brant Shores |
| 17220 Estes Road | $945,000 | 3,808 | Crenshaw Acres |
| 19724 Prince Benjamin Drive | $925,000 | 3,494 | wellington manor |
| 22523 Willow Lakes Drive | $879,000 | 2,359 | pasco county |
| 806 Sandringham Lane | $850,000 | 3,578 | Chapman Manors |
| 1012 Kingsborough Gardens Court | $810,000 | 2,954 | Kingsborough Gardens |
| 22523 Willow Lakes Drive | $800,000 | 2,359 | Willow Bend |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 8 | 30% |
| $500K–$750K | 9 | 33% |
| $750K–$1M | 7 | 26% |
| $1M+ | 3 | 11% |
Lutz waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Chapman Manors | 2 | 0 | $725,000 | $600,000 |
| Willow Bend | 2 | 0 | $709,500 | $619,000 |
| Triple Lakes Sub | 2 | 0 | $642,449 | $619,999 |
| Long Lake Ranch Village 2 Prcl A-1, A | 2 | 0 | $597,000 | $455,000 |
| Volanti | 2 | 1 | $447,500 | $410,000 |
| Bellamere | 1 | 0 | $4,150,000 | $4,150,000 |
| Ladera | 1 | 0 | $3,495,000 | $3,495,000 |
| Cheval Polo & Golf Club Ph 01 Ave | 1 | 0 | $2,395,000 | $2,395,000 |
| Wellington Manors | 1 | 1 | $1,750,000 | $1,750,000 |
| Lake Chapman Sub 1St Add | 1 | 0 | $1,289,500 | $1,289,500 |
| The Manors Of Crystal Lakes | 1 | 0 | $1,075,000 | $1,075,000 |
| Brant Shores | 1 | 0 | $975,000 | $975,000 |
| Crenshaw Acres | 1 | 0 | $945,000 | $945,000 |
| Wellington Manor Ph 2 | 1 | 0 | $925,000 | $925,000 |
| Kingsborough Gardens Sub | 1 | 0 | $810,000 | $810,000 |
| Morsani Ph 2 | 1 | 0 | $720,000 | $720,000 |
| Parkview/Long Lake Ranch Ph 2B | 1 | 0 | $695,000 | $695,000 |
| North Tampa Land Cos Sub | 1 | 0 | $695,000 | $695,000 |
| Cypress Cove | 1 | 0 | $690,000 | $690,000 |
| Stonehenge Estates | 1 | 0 | $569,000 | $569,000 |
| Tropical Lakes | 1 | 0 | $545,000 | $545,000 |
| Sunlake Park Unit 1 | 1 | 0 | $520,000 | $520,000 |
| Reflections Ph 1 | 1 | 0 | $515,000 | $515,000 |
| Villarosa K | 1 | 0 | $515,000 | $515,000 |
| Crystal Lakes View | 1 | 0 | $499,900 | $499,900 |
| West North Tampa | 1 | 0 | $434,900 | $434,900 |
| Lake Heron Ph 06A 06B 07 | 1 | 0 | $425,000 | $425,000 |
| Livingston Unit Ii B | 1 | 0 | $415,000 | $415,000 |
| Oak Grove Ph 01B | 1 | 0 | $410,985 | $410,985 |
| Frazier Sub | 1 | 0 | $392,500 | $392,500 |
| Carpenters Run Ph 1 | 1 | 0 | $359,900 | $359,900 |
| Lake Como Club Residence Coop | 1 | 0 | $310,000 | $310,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Lutz?
What do waterfront homes cost in Lutz?
Which Lutz community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Lutz
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Lutz, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.