One or more photo(s) has been virtually staged. Located on the shores of Saddleback Lake, this custom built one owner waterfront home offers a rare opportunity to enjoy private ski lake living surrounded by lush landscaping and peaceful natural views. Saddleback Lake spans approximately 32 acres and allows skiing, fishing and a variety of water activities. A stone paver driveway provides ample parking and leads to an oversized four car garage. Enter through elegant 8 ft double entry doors with beveled glass into a welcoming foyer with impressive 21 ft ceilings, tile flooring across the first level and stunning lake views. The entry is accented with chair rail detailing and a grand staircase. Just off the foyer is a private den or office featuring French doors, wood flooring and a convenient Murphy bed, offering flexibility for guests or additional living space. Crown molding and 8 ft interior doors are featured throughout the home. The spacious kitchen includes 42 inch white upper cabinets with crown molding, granite countertops, tile backsplash, breakfast bar with built in cooktop, wall oven, microwave and a breakfast nook. The kitchen overlooks the living and dining areas, creating an open and inviting layout. Two sets of French doors from the living room lead to a large covered and screened lanai overlooking the lake. This outdoor living space features composite decking, a large wet bar with granite countertops, ample cabinetry and seating plus a full bath with walk in shower. Step outside to an open deck leading down to a covered dock where you can enjoy beautiful lake views, wildlife and stunning sunsets. The first floor also includes a dining room with tray ceiling, a half bath and a spacious utility room with laundry sink and storage cabinetry. Upstairs, the owner's retreat features double door entry, lake views, a massive walk in closet and a private bath with dual vanities, granite countertops, garden tub and tiled walk in shower. French doors lead to a second story balcony with composite decking overlooking the lake. A guest bedroom also enjoys lake views and balcony access with its own ensuite bath. An additional flex room offers space for a bonus room, playroom or bedroom along with a large walk in storage area. The oversized garage includes a built in sink, climate controlled storage closet, Asco whole home surge protection system and generator pre wiring. Recent improvements include a newly installed roof on the main home and dock featuring TAMKO Titan shingles rated for 160+ mph winds along with a transferable 20 year warranty covering both materials and labor. The property is located in Flood Zone X. Located in a highly desirable school district zoned for A rated schools including Steinbrenner High School, Martinez Middle and Schwarzkopf Elementary. Do not miss this opportunity to experience lakefront living on beautiful Saddleback Lake!
For sale
$975,000
3632 Little Rd, Lutz, FL 33548
4beds
3,410sqft
Est.:
Single Family Residence
Built in 2002
0.63 Acres Lot
$-- Zestimate®
$286/sqft
$-- HOA
What's special
Stunning lake viewsComposite deckingGranite countertopsOversized four car garageWaterfront homeChair rail detailingPeaceful natural views
- 2 days |
- 1,892 |
- 134 |
Likely to sell faster than
Zillow last checked: 7 hours ago
Listing updated: 10 hours ago
Listing Provided by:
John Pestalozzi Jr LLC 813-285-4456,
WESTWARD REAL ESTATE 813-285-4456
Source: Stellar MLS,MLS#: TB8483604
Originating MLS: Suncoast Tampa
Originating MLS: Suncoast Tampa
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Rooms
- Room types: Attic, Den/Library/Office, Great Room, Utility Room, Storage Rooms
Primary bedroom
- Features: Ceiling Fan(s), Dual Sinks, En Suite Bathroom, Garden Bath, Granite Counters, Tub with Separate Shower Stall, Water Closet/Priv Toilet, Walk-In Closet(s)
- Level: Second
- Area: 306 Square Feet
- Dimensions: 18x17
Bedroom 2
- Features: Ceiling Fan(s), En Suite Bathroom, Granite Counters, Tub With Shower, Built-in Closet
- Level: Second
- Area: 196 Square Feet
- Dimensions: 14x14
Bedroom 3
- Features: Ceiling Fan(s), No Closet
- Level: Second
- Area: 168 Square Feet
- Dimensions: 16x10.5
Balcony porch lanai
- Level: Second
Balcony porch lanai
- Features: Bar, Granite Counters
- Level: First
Dining room
- Level: First
- Area: 140 Square Feet
- Dimensions: 10x14
Kitchen
- Features: Breakfast Bar, Kitchen Island, Granite Counters, Pantry
- Level: First
- Area: 208 Square Feet
- Dimensions: 13x16
Laundry
- Features: Granite Counters, Built-in Closet
- Level: First
Living room
- Features: Ceiling Fan(s)
- Level: First
Office
- Features: Ceiling Fan(s), Built-in Closet
- Level: First
- Area: 156 Square Feet
- Dimensions: 13x12
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Bar Fridge, Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener
- Laundry: Inside, Laundry Room
Features
- Built-in Features, Chair Rail, Coffered Ceiling(s), Crown Molding, Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Thermostat, Walk-In Closet(s), Wet Bar
- Flooring: Carpet, Tile, Hardwood
- Doors: French Doors
- Windows: Window Treatments
- Has fireplace: No
Interior area
- Total structure area: 5,493
- Total interior livable area: 3,410 sqft
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Driveway, Garage Door Opener, Golf Cart Garage, Oversized
- Attached garage spaces: 4
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Deck, Front Porch, Patio, Porch, Rear Porch, Screened
- Exterior features: Balcony, Irrigation System, Rain Gutters, Sprinkler Metered
- Has view: Yes
- View description: Trees/Woods, Water, Lake
- Has water view: Yes
- Water view: Water,Lake
- Waterfront features: Lake Front, Lake Privileges, Skiing Allowed
- Body of water: SADDLEBACK LAKE
Lot
- Size: 0.63 Acres
- Dimensions: 126 x 200
- Features: Conservation Area, In County, Irregular Lot, Landscaped, Near Golf Course, Oversized Lot, Private, Above Flood Plain
- Residential vegetation: Mature Landscaping, Trees/Landscaped
Details
- Parcel number: U2227180KG00000000015.0
- Zoning: RSC-2
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Block, Metal Frame, Stucco
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 2002
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
- Utilities for property: BB/HS Internet Available, Electricity Connected, Sprinkler Meter, Sprinkler Well
Community & HOA
Community
- Security: Security System, Security System Owned, Smoke Detector(s)
- Subdivision: CRENSHAW LAKES
HOA
- Has HOA: No
- Pet fee: $0 monthly
Location
- Region: Lutz
Financial & listing details
- Price per square foot: $286/sqft
- Tax assessed value: $894,589
- Annual tax amount: $10,031
- Date on market: 3/12/2026
- Cumulative days on market: 2 days
- Listing terms: Cash,Conventional,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/12/2026 | Listed for sale | $975,000+673.8%$286/sqft |
Source:  Stellar MLS #TB8483604 Report a problem | ||
| 4/26/2001 | Sold | $126,000$37/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $9,245 +3.2% | $542,942 +3% |
| 2023 | $8,956 +3.5% | $527,128 +3% |
| 2022 | $8,655 +0.9% | $511,775 +3% |
| 2021 | $8,577 +1.5% | $496,869 +1.4% |
| 2020 | $8,453 +2.1% | $490,009 +2.3% |
| 2019 | $8,281 | $478,992 +1.9% |
| 2018 | $8,281 +0.8% | $470,061 -8.1% |
| 2017 | $8,216 +1.1% | $511,427 +13.4% |
| 2016 | $8,124 +0.5% | $450,924 +0.7% |
| 2015 | $8,080 -1.2% | $447,789 +0.8% |
| 2014 | $8,180 | $444,235 +1.1% |
| 2013 | $8,180 +0.2% | $439,488 +1.7% |
| 2012 | $8,164 -9.4% | $432,142 -8.7% |
| 2011 | $9,015 +1.8% | $473,310 +1% |
| 2010 | $8,851 +2.3% | $468,468 +2.7% |
| 2009 | $8,648 -0.2% | $456,152 +0.1% |
| 2008 | $8,664 +0.9% | $455,696 +3% |
| 2007 | $8,586 -6.1% | $442,423 +2.5% |
| 2006 | $9,143 +1% | $431,632 +4.2% |
| 2005 | $9,054 | $414,327 +3% |
| 2004 | -- | $402,259 +3.3% |
| 2003 | -- | $389,398 +269.7% |
| 2002 | -- | $105,336 +70.4% |
| 2001 | -- | $61,803 |
| 2000 | $1,488 | $61,803 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$6,201/mo
Principal & interest
$4738
Property taxes
$1463
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Climate risks
Neighborhood: 33548
Nearby schools
GreatSchools rating
- 10/10Schwarzkopf Elementary SchoolGrades: PK-5Distance: 1.1 mi
- 10/10Martinez Middle SchoolGrades: 6-8Distance: 3.4 mi
- 7/10Steinbrenner High SchoolGrades: 9-12Distance: 3.3 mi
Schools provided by the listing agent
- Elementary: Schwarzkopf-HB
- Middle: Martinez-HB
- High: Steinbrenner High School
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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