Welcome to your dream waterfront retreat on Saddleback Lake! The cottage-style exterior, enhanced by lush landscaping and oversized brickpaver driveway, welcomes you to an enchanting lakeside retreat. This stunning 3-bedroom, 2-bathroom home, plus a bonus space currently being used as a dedicated office, is fully renovated with a charming aesthetic. Nestled on a spacious 0.59-acre lot with 87 feet of pristine lake frontage, this gem offers modern elegance and serene Saddleback Lake views. The heart of the home is a beautifully updated kitchen featuring quartz countertops, stainless steel appliances, a large seating peninsula, and an adjacent dining area perfect for hosting gatherings. The light-filled Florida room, adorned with stylish shiplap walls, newer windows, a built-in wet bar with beverage fridge and icemaker, is ideal for entertaining guests with more stunning views of the backyard and lake. The primary suite offers a private retreat with ample natural light and modern comforts. There are 2 additional bedrooms, one with a Queen size Murphy bed that conveys with the house, making this room a versatile space, ideal for remote work or a quiet study area. The two fully renovated bathrooms have contemporary fixtures, stylish tilework, and a spa-like ambiance. You will appreciate the cohesive decor with neutral tones and premium finishes that create a warm, inviting atmosphere throughout. Once outside, enjoy a 16x22 observation deck with ambiance lighting, a 30ft x 4ft walkway over the water landing on a 10ft x 16ft dock—all constructed in 2016—perfect for boating, fishing, or soaking in the tranquil lake views. The home’s prime location near the Veterans Expressway, offers easy commutes to Tampa and beyond. Enjoy proximity to a variety of restaurants, shopping, and St. Joseph’s North Hospital for added convenience. Located in the highly sought-after Steinbrenner High School district, ideal for families seeking excellent education opportunities. Embrace the Florida lifestyle while enjoying the freedom of no homeowner’s association restrictions, perfect for boat or RV owners. Don’t miss this rare opportunity to own a modern waterfront cottage with all the upgrades and charm you’ve been searching for! Schedule a private showing today. ROOF 2016 with solar attic fan, HVAC 2023, STEEL SHED 2019, Electric Vehicle Charging OUTLET.
For sale
Price cut: $26K (8/2)
$799,000
3620 Little Rd, Lutz, FL 33548
3beds
1,994sqft
Est.:
Single Family Residence
Built in 1973
0.59 Acres Lot
$-- Zestimate®
$401/sqft
$-- HOA
What's special
Cottage-style exteriorPristine lake frontageModern eleganceModern comfortsStylish tileworkStylish shiplap wallsSerene saddleback lake views
- 45 days
- on Zillow |
- 930 |
- 67 |
Zillow last checked: 7 hours ago
Listing updated: August 03, 2025 at 03:52am
Listing Provided by:
Wendy Cook 813-629-5858,
YELLOWFIN REALTY 813-347-7547
Source: Stellar MLS,MLS#: TB8401181
Originating MLS: Suncoast Tampa

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: Dual Closets
- Level: First
- Area: 195 Square Feet
- Dimensions: 15x13
Bedroom 2
- Features: Other, Built-in Closet
- Level: First
- Area: 110 Square Feet
- Dimensions: 11x10
Bedroom 3
- Features: Built-in Closet
- Level: First
- Area: 130 Square Feet
- Dimensions: 13x10
Den
- Level: First
- Area: 120 Square Feet
- Dimensions: 12x10
Dining room
- Level: First
- Area: 182 Square Feet
- Dimensions: 14x13
Florida room
- Features: Wet Bar
- Level: First
- Area: 266 Square Feet
- Dimensions: 19x14
Kitchen
- Level: First
- Area: 210 Square Feet
- Dimensions: 15x14
Living room
- Level: First
- Area: 216 Square Feet
- Dimensions: 18x12
Heating
- Electric, Heat Pump
Cooling
- Central Air
Appliances
- Included: Bar Fridge, Dishwasher, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Softener
- Laundry: Laundry Room
Features
- Built-in Features, Ceiling Fan(s), Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Wet Bar
- Flooring: Luxury Vinyl, Porcelain Tile
- Has fireplace: No
Interior area
- Total structure area: 2,638
- Total interior livable area: 1,994 sqft
Property
Parking
- Total spaces: 1
- Parking features: Garage - Attached
- Attached garage spaces: 1
Features
- Levels: One
- Stories: 1
- Patio & porch: Rear Porch, Screened
- Exterior features: Irrigation System
- Fencing: Chain Link,Wood
- Has view: Yes
- View description: Water, Lake
- Has water view: Yes
- Water view: Water,Lake
- Waterfront features: Lake Front, Lake Privileges
- Body of water: SADDLEBACK LAKE
Lot
- Size: 0.59 Acres
- Dimensions: 87 x 200
- Features: Oversized Lot
Details
- Additional structures: Shed(s)
- Parcel number: U2227180KG00000000012.1
- Zoning: RSC-2
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Block
- Foundation: Block
- Roof: Shingle
Condition
- New construction: No
- Year built: 1973
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
- Utilities for property: BB/HS Internet Available, Cable Available, Electricity Connected, Sewer Connected, Sprinkler Well, Water Connected
Community & HOA
Community
- Subdivision: CRENSHAW LAKES
HOA
- Has HOA: No
- Pet fee: $0 monthly
Location
- Region: Lutz
Financial & listing details
- Price per square foot: $401/sqft
- Tax assessed value: $478,230
- Annual tax amount: $3,997
- Date on market: 6/27/2025
- Listing terms: Cash,Conventional,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Asphalt
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