
2304 CLEMENT ROAD, LUTZ, FL, 33549
Active3 days on marketListed Jul 30, 2026MLS #TB8530857
About this home
2304 CLEMENT ROAD
Virtually Staged. Set on an extraordinary 1.09-acre homesite in the coveted community of Oakwood Reserve, this stunning 2020 Cardel Homes residence offers an exceptional blend of timeless architecture, refined finishes, and resort-style living across more than 4,000 square feet. The private backyard is a true resort-inspired retreat featuring a sparkling saltwater pool with a sun shelf, bubbling fountains, stacked-stone towers with cascading water features crowned by dramatic fire bowls, an expansive travertine lanai, and a fully equipped outdoor kitchen—all enclosed within a panoramic screen enclosure. Framed by a peaceful wooded backdrop and vinyl-fenced sides, this outdoor oasis provides exceptional privacy for year-round entertaining. Inside, five bedrooms, four full baths, a dedicated executive office, and a spacious bonus room are thoughtfully designed for today’s lifestyle for everyday living, entertaining, and multigenerational comfort. From the moment you enter the sweeping curved driveway, this remarkable residence makes a lasting first impression. Framed by mature trees, the approach leads to a spacious three-car garage and parking court, while decorative roofline corbels complement a dramatic two-story stucco tower, while clean contemporary architecture creates striking curb appeal. A welcoming walkway leads to the covered portico and elegant front entry, accented by sidelights and a transom window. Beyond the foyer, French doors open to a private executive office. To the right, a separate hallway offers two generously sized bedrooms and full bath. The home then unfolds into an impressive great room with soaring 12-ft ceilings, rich luxury vinyl plank flooring, and expansive wall of glass. Quad pocketing sliding glass doors and transom windows flood the space with natural light while seamlessly extending the living area to the lanai. Recessed lighting, built-in surround sound, and tranquil wooded views complete this inviting gathering space, where sophisticated design meets effortless indoor-outdoor living. The designer kitchen showcases 42-inch cabinetry with stacked upper glass-front display cabinets, elegant crown molding, under cabinet lighting, gleaming quartz countertops, designer tile backsplash, and an oversized island featuring a farmhouse sink, storage, generous counter-height seating and open-frame lantern pendants overhead. Premium GE Café appliances, including a paneled French-door refrigerator, six-burner gas range, stainless vent hood, Advantium wall microwave, and spacious walk-in pantry complete the beautifully appointed kitchen. The adjacent dining area wrapped in natural light from triple picture windows and sliding glass doors topped with transom windows, transition to the lanai and pool. Privately situated on the first floor, the luxurious primary suite offers a tray ceiling and tranquil backyard views, creating a peaceful owners retreat. The spa-inspired bath features three separate tray ceiling details, dual vanities, a freestanding soaking tub, an oversized doorless walk-in shower, a private water closet, and an expansive custom walk-in closet. Also on the first floor are a privately positioned third bedroom, full bath, spacious laundry room with adjoining mudroom. Upstairs, a generous bonus room, fifth bedroom and full bath offers exceptional flexibility as a private guest retreat, multigenerational living space, or media or game room. Experience refined living in one of Oakwood Reserves finest residences.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
4,013
Sqft
1.09 ac
Lot size
3
Garage
2020
Year built
Two
Levels
$341
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$9,361 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,361/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+20.4%
$/sqft vs Lutz actives
$341 vs $243
Days on market
3 vs 35 typical
Where $341/sqft sits among the 270 Lutz actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
The numbers that matter
The Lutz market
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
160 of 270
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 180% above the Lutz median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 2304 CLEMENT ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,325,000
2420 CLEMENT ROAD · same community
5 bd · 4 ba · 4,025 sqft · $329/sqft · 38 DOM
Sold · Nov ’25$1,097,500
16608 LIVINGSTON AVENUE
6 bd · 4 ba · 4,012 sqft · $274/sqft · 123 DOM
Sold · Dec ’25$1,110,000
18312 TURNING POINT DRIVE
4 bd · 3.5 ba · 3,976 sqft · $279/sqft · 44 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2304 CLEMENT ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2304 CLEMENT ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
2304 CLEMENT ROAD FAQs
What would the monthly payment be for 2304 CLEMENT ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,361/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2304 CLEMENT ROAD?+
The most recent tax bill on record (2025) was $15,543. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $1,370,000, this home is listed about 180% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,370,000 runs 180% above the Lutz median — but at 4,013 sqft it's also nearly twice the size of the typical Lutz listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 3 days on market in a Lutz market that averages 35 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Ryan Zampino. MLS #TB8530857.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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