SPECTACULAR LAKE VIEWS AT A PHENOMENAL VALUE IN THE STEINBRENNER SCHOOL DISTRICT!!!! Discover the magic of true LAKEFRONT LIVING with this beautifully updated home with 3-BEDROOMS, 3 FULL BATHROOMS + an OFFICE & an EXPANSIVE BONUS ROOM! It can be found NESTLED ALONG THE SHORES OF SPRING-FED LAKE VIRGINIA, one of the area's most sought-after chain of lakes. NO FLOOD INSURANCE NEEDED! Imagine waking up to AMAZING WATER VIEWS, spending your afternoons boating or jet skiing right from your PRIVATE DOCK, and winding down under the stars with gentle lake breezes — this is Florida living at its finest. Located in a quiet, scenic pocket of Lutz and directly across from pristine conservation land, this property offers a rare sense of seclusion and natural beauty — all with NO HOA OR CDD FEES to restrict your lifestyle. FLOOD INSURANCE IS NOT REQUIRED FOR THIS PROPERTY, and the CURRENT HOMEOWNERS INSURANCE PREMIUM IS EXCEPTIONALLY LOW AT ONLY $3000 ANNUALLY due to valuable discounts including major wind mitigation discounts for the hurricane rated garage door, shutters, etc! at At the lake, a seawall brings you even more peace of mind. Step inside and be welcomed by charm and comfort, from the ROCKING CHAIR FRONT PORCH to the expansive living spaces designed to bring the outdoors in. The charming, REMODELED KITCHEN OFFERS QUARTZ COUNTERTOPS, CRISP WHITE SHAKER CABINETRY, STAINLESS STEEL APPLIANCES, A LARGE ISLAND WITH SEATING, AND A COZY SITTING AREA WITH A WOOD-BURNING FIREPLACE — ALL OVERLOOKING THE SHIMMERING LAKE – this is truly the heart of the home. The layout includes a spacious DOWNSTAIRS PRIMARY SUITE for ultimate convenience, while upstairs you'll find a truly special BONUS ROOM — A VAST, LIGHT-FILLED SPACE WITH WALL-TO-WALL WINDOWS FRAMING PANORAMIC VIEWS OF LAKE VIRGINIA. Whether used as a home office, art studio, second living room, game room, or movie room, this versatile space offers both inspiration and serenity, making it one of the most captivating features of the home. Wake up to sparkling water in the morning, enjoy brilliant sunsets in the evening, and let this room become your personal escape or creative retreat. The home has been meticulously maintained with recent upgrades, including HVAC SYSTEMS (2017 and 2023), NEW HOT WATER HEATER (2023), ROOF REPLACED IN 2017, and A COMPLETE RE-PLUMBING IN 2015. NEW INTERIOR PAINT 2025. The ELECTRICAL PANEL WAS UPDATED IN 2025, and REMOTE-CONTROLLED HURRICANE SHUTTERS add extra peace of mind. In addition, the entire SEPTIC SYSTEM HAS BEEN REPLACED AND UPGRADED (2026), and the front yard has BRAND NEW SOD! Step outside to enjoy lakefront living at its best with a PRIVATE DOCK, 84' CONCRETE SEAWALL, AND A CUSTOM-BUILT PERGOLA WITH ELECTRICITY and DURABLE TREX DECKING— perfect for entertaining or relaxing by the water. There's also power in place for an EV charger or generator, and a practical "lake shower" in the laundry room makes rinsing off after water activities easy. Whether you're looking to boat, fish, or simply soak in the peaceful lake views, this one-of-a-kind home offers it all. Don’t miss your chance to own a piece of paradise in one of Lutz’s most sought-after lakefront communities.