16208 Swenson Ter, Lutz, FL 33549

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. 4BR/2BA single-family home in Wyndgate in Lutz. X flood zone, no flood insurance required. New roof May 2026. No CDD. .33 acres. fencednnLocated in the gated Wyndgate community in Lutz, this 4-bedroom, 2-bath single-family home combines larger-lot living with lower ongoing ownership costs. Built in 2003 on a .33-acre homesite measuring approximately 75 x 194, the property is located in an X flood zone, so flood insurance is not required by most lenders. Wyndgate has no CDD fees, and annual HOA dues of approximately $1600 per year and includes irrigation, sewer, and gate maintenance. Recent updates include a new roof in May 2026 and septic piping replaced approximately 4 years ago.nnThe home offers approximately 2,080 heated square feet with a total area of 2,866 square feet. The split floor plan includes separate formal living and dining rooms, offering flexible use for entertaining, work-from-home needs, or additional living space. The open kitchen overlooks the family room and features wood cabinetry, Corian counters and sink, tile backsplash, breakfast bar seating, and an eat-in dining area. Wood laminate flooring runs through the family room and primary bedroom, while the family room is also wired for surround sound.nnThe owner's suite is privately positioned off the family room and includes porch access, dual sinks, a jetted soaking tub, a separate shower, and a walk-in closet. Second