$749,000
SOLD JUN 18, 2025

3428 Valley Ranch Dr Lutz, FL 33548

4 Beds
3.5 Baths
3,216 Sq Ft
10,454 Sq Ft

Recently Sold

$233 Per Sq Ft

2 Days on Market

Highlights

  • 83 Feet of Lake Waterfront
  • Screened Pool
  • Vaulted Ceiling
  • Schwarzkopf Elementary School Rated A
  • Family Room with Fireplace
  • Florida Architecture

About This Home

As of June 2025

One or more photo(s) has been virtually staged. Elegant and Inviting

Experience Luxury Lakeside Living in North Tampa!

Nestled within a prestigious, established North Tampa neighborhood, this custom-built, lakefront gem offers everything you’ve been dreaming of. Located in the highly sought-after Steinbrenner School District, this spacious 4-bedroom, 3.5-bathroom residence boasts 3,216 square feet of luxurious living space.

Step through the custom dual front doors with leaded glass insets and be greeted by breathtaking waterfront views. The thoughtfully designed open floor plan is perfect for entertaining, featuring a huge formal living room and a formal dining room adorned with elegant engineered hardwood floors.

The gourmet kitchen is a chef’s paradise, offering stunning solid wood cabinets with ornate moldings and abundant granite countertops for all your culinary needs. It features GE Profile stainless steel appliances, including a nearly new refrigerator, double built-in ovens (one convection), soft-close drawers, a center island, and a built-in desk. Two pantry cabinets provide ample storage. Connected to the spacious family room, the kitchen overlooks the lake, creating a picturesque setting for everyday life. The electric fireplace adds a cozy touch and can be converted back to wood burning if desired.

The primary bedroom suite offers a serene retreat with panoramic lake views, dual walk-in closets, and a spa-like en-suite featuring dual vanities, granite counters, a jacuzzi tub, and a walk-in tile shower. The split bedroom plan ensures privacy for all.

Step outside to the resort-style backyard featuring a pool and spa surrounded by pavers, a newly replaced pool cage (2014), and an upper Trex deck perfect for barbecues. The lower fenced yard features a newer seawall (2023), an outdoor shower, and a built-in cedar sauna for ultimate relaxation.

Additional highlights include a new roof installed in 2019 and a new AC system with updated ductwork and insulation completed in 2020. The two-car garage is extra-long, offering built-in storage. The inside utility room provides convenience with a sink, ample cabinets, washer, and dryer, while the water softener (not warranted) enhances the quality of everyday living. The beautifully landscaped exterior, featuring flowering garden beds and a paver-like walkway, offers superb curb appeal.

With low HOA fees of just $260 per year, easy access to Dale Mabry and 589, and nearby shopping just minutes away, this stunning home is a rare find. Schedule your private tour today before it’s gone!

Last Agent to Sell the Property

Beth Copenhaver

COLDWELL BANKER REALTY Brokerage Phone: 813-962-0631 License #586156 Listed on: 05/16/2025

COLDWELL BANKER REALTY

Co-Listed By

Christopher Copenhaver

COLDWELL BANKER REALTY Brokerage Phone: 813-962-0631 License #3045575

Last Buyer's Agent

Laura Calvillo

JT REALTY & ASSOCIATES License #3505796

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,859

Year Built

  • Built in 1984

Lot Details

  • 10,624 Sq Ft Lot
  • 83 Feet of Lake Waterfront
  • Lake Front
  • North Facing Home
  • Dog Run
  • Irrigation Equipment
  • Property is zoned PD

HOA Fees

  • $22 Monthly HOA Fees

Parking

  • 2 Car Attached Garage

Home Design

  • Florida Architecture
  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,216 Sq Ft Home
  • Vaulted Ceiling
  • Ceiling Fan
  • Self Contained Fireplace Unit Or Insert
  • Electric Fireplace
  • Window Treatments
  • Sliding Doors
  • Family Room with Fireplace
  • Family Room Off Kitchen
  • Living Room
  • Dining Room
  • Lake Views

Kitchen

  • Eat-In Kitchen
  • Cooktop
  • Dishwasher
  • Stone Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Engineered Wood
  • Laminate
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • Walk-In Closet

Laundry

  • Laundry Room
  • Dryer
  • Washer

Pool

  • Screened Pool
  • In Ground Pool
  • In Ground Spa
  • Gunite Pool
  • Fence Around Pool

Outdoor Features

  • Access To Lake
  • Seawall
  • Powered Boats Permitted
  • Covered Patio or Porch
  • Private Mailbox

Schools

  • Schwarzkopf Elementary School
  • Martinez Middle School
  • Steinbrenner High School

Utilities

  • Central Air
  • Heating Available
  • Underground Utilities
  • Electric Water Heater
  • Water Softener
  • Cable TV Available

Community Details

  • Gary Krotz Association, Phone Number (813) 240-8864
  • North Lakes Sec G A Repl Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,859

Year Built

Built in 1984

Lot Details

10,624 Sq Ft Lot

HOA Fees

$22 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Florida
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 3216
  • Lot Size Acres: 0.24
  • New Construction: No
  • Year Built: 1984
  • Building Area Total: 4101
  • Lot Size Sq Ft: 10624
  • Status: Sold
  • Co List Office Mls Id: MFR639500
  • Co List Office Phone: 813-289-1712
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 381.00
  • Escrow State: FL
  • Escrow Street Name: N Westshore Blvd
  • Minimum Lease: 8-12 Months
  • RATIO Current Price By Calculate: 232.90
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 0
  • MFR_DockYN: 0
  • Attribution Contact: 813-962-0631
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Electric, Family Room, Insert
  • Living Area Units: Square Feet
  • Flooring: Ceramic Tile, Hardwood, Laminate
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
  • Appliances Included: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Spa Features: In Ground
  • Living Area Meters: 298.78

Exterior Features

  • Direction Faces: North
  • Pool Features: Gunite, In Ground, Screen Enclosure
  • Exterior Features: Dog Run, Private Mailbox, Sidewalk, Sliding Doors
  • Roof: Shingle
  • Pool Private: Yes
  • View: Water
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Screened
  • Road Surface Type: Asphalt
  • Water Access: Lake
  • Water Extras: Powerboats – None Allowed,Seawall - Other
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 83
  • Flood Zone Panel: 12057C0182H
  • Water Frontage Feet Lake: 83

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: Cable Available, Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected
  • Cooling: Central Air
  • Heating: Electric
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Street Lights
  • Association Fee: 260
  • Association Fee Frequency: Annually
  • Association Name: Gary Krotz
  • Phone: 813-240-8864
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Association Fee Requirement: Required
  • Association Email: usarealty@msn.com

Fee Information

  • Total Annual Fees: 260.00
  • Total Monthly Fees: 21.67
  • Monthly HOA Amount: 21.67

Schools

  • Elementary School: Schwarzkopf-HB
  • High School: Steinbrenner High School
  • Middle Or Junior School: Martinez-HB

Lot Info

  • Zoning: PD
  • Parcel Number: U-22-27-18-0KH-000000-00031.0
  • Additional Parcels: No
  • Flood Zone Code: AE

Rental Info

  • Pets Allowed: Yes
  • Lease Restrictions YN: 0
  • Additional Lease Restrictions: Please check with HOA regarding leasing restrictions

Tax Info

  • Tax Annual Amount: 4859
  • Tax Block: 000000
  • Tax Book Number: 53-21
  • Tax Lot: C

Multi Family

  • Waterfront Features: Lake Front

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
May 16, 2025
Closed on
Jun 17, 2025
Sold by
Hall Debra Kelsey and Debra Kelsey Hall Living Trust
Bought by
Minimi George and Minimi Amanda
Seller's Agent
Beth Copenhaver
COLDWELL BANKER REALTY
Buyer's Agent
Laura Calvillo
JT REALTY & ASSOCIATES
List Price
$749,000
Sold Price
$749,000
Views
16
Current Estimated Value
$770,968

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$21,968
Avg. Annual Appreciation
4.41%
Original Mortgage
$674,100
Outstanding Balance
$672,352
Interest Rate
6.76%
Mortgage Type
New Conventional
Estimated Equity
$98,616

Purchase Details

Closed on
Jul 5, 2017
Sold by
Hall Debra K
Bought by
Hall Debra Kelsey

Purchase Details

Closed on
Aug 20, 2015
Sold by
Hall Frank V
Bought by
Hall Debra K
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Purchase History

Date Type Sale Price Title Company
Warranty Deed $749,000 Sunbelt Title Agency
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Nations Title Agency Of Flor
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $674,100 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
06/18/2025 06/18/25 Sold $749,000 0.0% $233 / Sq Ft
05/18/2025 05/18/25 Pending -- -- --
05/16/2025 05/16/25 For Sale $749,000 -- $233 / Sq Ft
Source: Stellar MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,859 $290,593 -- --
2024 $4,859 $282,403 -- --
2023 $4,688 $274,178 $0 $0
2022 $4,477 $266,192 $0 $0
2021 $4,412 $258,439 $0 $0
2020 $4,316 $254,871 $0 $0
2019 $4,197 $249,141 $0 $0
2018 $4,100 $244,496 $0 $0
2017 $4,154 $252,402 $0 $0
2016 $4,031 $235,937 $0 $0
2015 $4,023 $231,590 $0 $0
2014 $4,716 $225,859 $0 $0
2013 -- $206,866 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: TB8383281

Stellar MLS

APN: U-22-27-18-0KH-000000-00031.0

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