Welcome to 523 2nd Ave SW—where small-town charm meets everyday comfort on a peaceful dead-end street in the heart of Lutz. This southern-style home is tucked away on 1.24 acres with access to Lake Cooper, complete with a shared dock. This spacious 4-bedroom, 2.5-bath home also includes a loft and dedicated office, offering over 3,100 square feet of thoughtfully designed living space. Inside, you’ll find a bright, inviting layout filled with natural light and flexible spaces for modern living. Enjoy timeless details like classic oak hardwood floors, cozy Berber carpet, a wood-burning fireplace, and custom built-in closet systems. The open kitchen showcases rich wood cabinetry, sleek solid-surface countertops, a breakfast bar for three, and brand-new appliances (2024)—making it truly move-in ready. Step outside to multiple outdoor retreats, including a screened back porch, welcoming front and side porches, and a built-in grill with bar—perfect for entertaining. The expansive, fully fenced yard offers space for gardening or backyard homesteading and includes an irrigation system, a boat/RV parking pad, and a storage shed. Notable upgrades include durable James Hardie siding, a new roof (2024), dual-zone HVAC (2025 downstairs, 2014 upstairs), two new water heaters (2024), updated garage door springs (2025), fresh exterior paint (2017), and a repaved driveway (2023). The home also features two attic spaces for storage and opportunity for future expansion, along with a dedicated work area in the garage for home projects. Enjoy all of this without the need for flood insurance, while still being conveniently close to local shops, dining, and major commuter routes.