Mixed Use at 404 W LUTZ LAKE FERN RD, LUTZ
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$250,000

404 W LUTZ LAKE FERN RD
LUTZ, FL 33548
Listed by Sunny Claussen
Bedrooms
N/A
Bathrooms
N/A
Living area
812 sqft
Year built
1969

About this home

PRIME LUTZ COMMERCIAL / MIXED-USE INVESTMENT OPPORTUNITY NOW AVAILABLE! Excellent investment and owner-user opportunity in the heart of desirable Lutz, Florida. This well-located property offers a unique combination of commercial potential and residential flexibility, making it an attractive opportunity for investors, small business owners, and professionals seeking a highly visible location. The property is currently zoned Lutz Downtown Center (LDC), a zoning designation intended to encourage a vibrant, mixed-use activity center while preserving the character of the surrounding residential area. LDC zoning allows for residential uses as well as lower-intensity professional offices, personal services, and limited specialty retail uses. Potential uses may include professional services, florist, beauty or barbershop, locksmith, jewelry repair or sales, photography studio, computer repair, art gallery, bicycle repair, shoe repair, and other similar neighborhood-oriented businesses, subject to applicable zoning requirements and approvals. The existing 3-bedroom, 1-bathroom structure provides additional flexibility and may be suitable for residential use, offering an opportunity to live, operate a business, or hold the property as an investment, subject to zoning and applicable regulations. Positioned along Lutz Lake Fern Road, the property benefits from excellent visibility and convenient accessibility. The surrounding area features established medical and professional offices, restaurants, schools, retail centers, and other commercial services, providing a strong neighborhood setting and steady exposure. Located in one of the Tampa Bay area's rapidly growing communities, the property offers convenient access to major transportation corridors, including Veterans Expressway, I-75, I-275, and I-4, providing connectivity to Tampa International Airport, Downtown Tampa, Orlando, Clearwater, and the beaches of St. Petersburg. PROPERTY HIGHLIGHTS • Lutz Downtown Center (LDC) Zoning • Excellent owner-user or investment opportunity • Flexible commercial/mixed-use potential • Existing 3-bedroom, 1-bathroom structure • Approximately 819 SF living area / 1,056 SF total building area • 0.1905-acre lot • Built in 1969 • Highly visible location on Lutz Lake Fern Road • Surrounded by established medical, professional, retail, restaurant, and service businesses • Convenient access to major highways • Located in desirable and growing Lutz, Florida • Offered at $265,000 A rare opportunity to acquire an affordable property in a highly desirable Lutz location with flexible zoning and multiple potential uses. Schedule your private showing today and explore the possibilities this property has to offer.

Property details

MLS
Stellar MLS
MLS #
MFRTB8537276
Property type
Mixed Use
Subdivision
WEST NORTH TAMPA
Status
Active
Days on market
35
On market date
August 17, 2026
Stories
N/A
Total bathrooms
N/A
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.19 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
LUTZ K-8 SCHOOL
0.44 mi away · Grades -1-8
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
709
Student:teacher ratio
13.4:1
District
HILLSBOROUGH
Middle
MARTINEZ MIDDLE SCHOOL
4.11 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,145
Student:teacher ratio
20.1:1
District
HILLSBOROUGH
High
CENTRAL PASCO GIRLS ACADEMY
3.57 mi away · Grades 6-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1
Student:teacher ratio
0.5:1
District
PASCO

Walkability

Blended score for LUTZ's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

56
Somewhat walkable
out of 100
EPA National Walkability Index
7.2 / 20 -- Below average walkable
Google Places amenity density
85 / 100
Restaurants & cafes12
Grocery stores3
Parks7
Schools4
Transit stops0
Pharmacies4

Market position

How this listing compares to current activity in LUTZ, from live MLS data.

On the market 35 days -- 58 fewer days than LUTZ's current average of 93 days.
For reference, the median list price across 441 active listings in LUTZ right now is $425,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Adjust tax / insurance estimates
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Est. monthly payment
$1,656/mo
$50,000 down
$200,000 loan
Principal & interest$1,297
Property tax (est.)$208
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated September 21, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.