18914 5th St Lutz, FL 33548

One or more photo(s) has been virtually staged. ***Seller willing to contribute up to $20,000 towards Buyers closing costs. This is a rare chance to own a true Florida lifestyle property on private, spring-fed Cooper Lake—over 80 acres of open water perfect for boating, jet skis, water skiing, and large mouth bass fishing. Step out your back door to a private boat ramp, boathouse, and kayak launch. Spend the day fishing, skiing, or just cruising. A huge dock with new composite decking, framing, and pilings gives you plenty of room to relax or entertain. The screened-in porch and backyard offer quiet views of the water. Watch herons, ducks, and otters glide by while you drink your morning coffee or cast a line off the dock. the fenced in section gives plenty of room for a dog to freely roam the yard. Inside, the freshly painted living area has vaulted ceilings, a floor-to-ceiling wood-paneled wall, and a custom wood-burning or gas fireplace—bringing just the right amount of rustic comfort to this Florida home. The upstairs loft is a great spot for a reading chair, office nook, or workspace. The primary suite is oversized with a huge walk-in closet, all-new windows, and room for a sitting area or additional furniture. The primary bathroom has been fully renovated with a gorgeously tiled walk-in shower and octagon tile floors. Two more bedrooms offer flexibility and water views—one upstairs and another downstairs with private garage access, ideal for guests, a study, or a lounge. The home sits high and dry and was built up beyond the county requirements. Even the worst storms in recent years didn't cause any flooding or damage. Flood insurance is required, but costs less than $60 per month! Updates You’ll Appreciate: New Owens Corning roof with added hurricane strap reinforcement (insurance savings) (2025) New gutters, downspouts, and underground drain pipes (2025) All new high-efficiency Viwinco windows in bedrooms and bathrooms rated for CAT 3 storms (2025). New water heater and HVAC ductwork w/ recent HVAC Unit. (2025) Seawall reinforced with new steel soil-plate tiebacks every 4 feet along the entire seawall. (2024) Dock fully rebuilt with composite decking and marine grade framing and pilings. (2025) Granite kitchen counters, water view from the kitchen sink window, stainless steel appliances, new light fixtures, and fresh paint throughout. This home is tucked in a quiet, established Lutz neighborhood with easy access to Hwy 41, SR 54, and I-75. Walk to the local butcher, park, dog park with separate small/large dog sections, Lutz library, and more. You’re minutes from Tampa’s best spots and less than an hour from the Gulf. Homes on Lake Cooper rarely hit the market. If you’ve been looking for a move-in-ready lake house with easy access to Tampa, this is it. Perfect for a forever home or AirBnb! Schedule a private showing today!