Tired of all of the high hoas and cdds? Welcome to your waterfront half acre home in the heart of lutz with no hoa or cdd! Seller willing to buy down rate! Come see this beautifully maintained 4 bedroom 2 bath home on acre! Enjoy the peace of mind (and savings! ) that come with a private well and septic system no water bills here. Inside, you'll find wood look tile flowing seamlessly throughout all common and wet areas, combining style and durability. The updated kitchen boasts stainless steel appliances, an under sink reverse osmosis water filter, and access to a whole house kinetico water softener, ensuring exceptional water quality throughout the home. Unwind in the cozy family room with a wood burning fireplace, or open the french doors to your expansive screened lanai, complete with a hot tub the perfect place to relax and take in serene views of your naturally fed pond. The fully fenced backyard offers generous space for entertaining, gardening, or play and includes a graveled fire pit area for those occasional cool nights. A wood privacy fence with roller gate adds convenience and security, with ample room to store your boat, trailer, or recreational toys. Additional features include rain gutters with leaf guards and a quiet, established neighborhood setting. All this just 12 minutes from tampa premium outlets, and close to shopping, dining, and houses of worship. If you're looking for country charm with city convenience, this home delivers.