Seller Financing Now Available!! Located in the private, gated community of Kensington Estates—an exclusive enclave of just 38 custom homes spread across 90+ acres with no CDD fees—this rare Lutz estate sits high and dry in Flood Zone X (no flood insurance required) and offers over 3,730 sq ft of upgraded living space, including 4 bedrooms, 3 full bathrooms, a private office, formal living and dining rooms, and an upstairs loft with new luxury vinyl plank flooring (2023). Nearly the entire layout is on the first floor for everyday convenience, with the loft serving as a flexible space for a gym, media room, or playroom. Positioned on a 0.78-acre lot with no front neighbor, tranquil pond views, and conservation behind, the setting provides total privacy and strong curb appeal. The remodeled kitchen impresses with quartz and white marble countertops, high-gloss cabinetry, glass mosaic backsplash, Samsung smart refrigerator, double ovens, a built-in wine fridge, skylight, dry bar, glass rack, and a cozy breakfast nook. The oversized primary suite features pool views, upgraded lighting, polished tile flooring, and two custom walk-in closets (2023). The fully remodeled primary bath showcases a freestanding soaking tub, dual quartz vanities, gold fixtures, updated lighting, and a marble-tiled walk-in shower with recessed niche (2023). A custom in-law suite—created by combining two bedrooms—includes its own remodeled bath with walk-in shower and exterior pool access, a custom walk-in closet (2023), and private entry. The guest bathroom has also been fully updated with quartz counters, bold designer lighting, dramatic tilework, and a marble-style glass-enclosed shower. Additional 2023 upgrades include: new A/C system, water heater, whole-house iron/manganese/hydrogen sulfide water filtration system, water softener, heavy metal filter, recessed lighting throughout, ceiling fans in all bedrooms, motorized blinds on every window, and septic system enhancements including a new riser, lid, and timer (2023). The laundry room has been fully renovated with stone countertops, dark wood cabinetry, a utility sink with brass faucet, open shelving, and LG washer/dryer. The 3-car garage has been transformed into a premium finished space with epoxy floors, recessed lighting, full-length built-in cabinetry with upper glass-inset doors, and a kitchenette—ideal for a workshop, home gym, or flex space. The backyard is fully fenced and designed for entertaining, with a screened lanai, resort-style pool, custom pergola, and a built-in playground tucked beneath mature trees. Walkway pavers were professionally resealed (2025), and the septic pump was replaced (2022). Enjoy a private, upscale lifestyle with key destinations just minutes away: Publix and Lutz Prep K–8 (5 mins), Target, Tampa Premium Outlets, Dale Mabry Hwy, and I-275 (10 mins), USF and Downtown Tampa (20 mins), Veterans Expressway (22 mins), and Tampa International Airport (25 mins).