OFF_MARKETGood Deal7 days on market

3663 Berger Rd

3663 Berger Rd, Lutz, FL 33548, Lutz, FL 33548
$1,350,000

Listing Price

Property image 1
3663 Berger Rd, Lutz, FL 33548
Loc: Lutz, FL
Days Listed
7
Tax Assessed
$675k
Lot Size
2.81 acres
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

10

Schwarzkopf Elementary School

PK-5
1.4 mi away
10

Martinez Middle School

6-8
3.6 mi away
7

Steinbrenner High School

9-12
3.5 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Good
Confidence Score: 7/10
Strong rental demand expected in this area (98% occupancy rate).
Turnkey property requiring minimal initial CapEx.
Cap Rate
7.95%
Total ROI
29.4%
Cash Flow
$2,119/mo
DSCR
1.31
Was this AI Verdict accurate?

Data provided by Haven AI. Disclaimer

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Haven AI

At a $1,350,000 purchase price, this Lutz, FL property offers an uncommonly strong 7.95% rental yield for a luxury single-family home. The projected monthly cash flow of $2,118.64 provides an excellent buffer against Florida's high property insurance premiums and maintenance costs associated with a 4,000+ square foot asset. While the 4% appreciation rate is stable, conservative underwriting must account for a limited tenant pool at this price point. However, the substantial cash flow mitigates vacancy risks, making this a fundamentally solid buy-and-hold asset. Thus, it secures a 'Good' verdict as a high-yielding luxury play.

Strengths
  • Unusually high rental yield of 7.95% for a luxury tier property
  • Robust monthly cash flow of over $2,100 providing strong operational downside protection
  • Desirable Lutz, FL location with strong demographic trends and school districts
  • Spacious 5-bed, 5-bath layout highly appealing to high-earning families
Considerations
  • Limited renter pool for high-ticket single-family homes, increasing vacancy risk
  • Exposure to escalating Florida homeowners insurance premiums and property taxes
  • High CapEx and maintenance liability associated with a 4,071 square foot structure
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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-04-05Pending sale$1,350,000$332
2026-03-19Listed for sale$1,350,000$332
2026-03-14Pending sale$1,350,000$332
2026-03-07Listed for sale$1,350,000$332
2025-12-20Listing removed$1,395,000$343
2025-08-26Price change$1,395,000$343
2025-07-17Price change$1,450,000$356
2025-06-19Listed for sale$1,495,000$367
2025-05-14Listing removed$1,495,995$367
2025-04-15Price change$1,495,995$367
2025-03-21Price change$1,599,995$393
2025-03-03Price change$1,649,999$405
2025-02-18Price change$1,675,000$411
2025-02-05Listed for sale$1,750,000$430
2020-03-23Sold$735,000$181
2020-02-18Pending sale$780,000$192
2020-02-08Price change$780,000$192
2020-01-17Listed for sale$850,000$209
2019-09-12Listing removed$732,244$180
2019-09-11Price change$732,244$180
2019-09-07Price change$730,954$180
2019-09-05Price change$730,190$179
2019-08-31Price change$722,722$178
2019-08-30Price change$722,933$178
2019-08-29Listed for sale$722,988$178
2000-09-14Sold$10,000$2

Tax History

YearProperty TaxTax Assessment
2024$10,435.5$611,614
2023$10,115.78$593,800
2022$13,031.26$761,752
2021$11,061.56$593,827
2020$6,521.03$341,171
2019$6,151.87$322,163
2018$6,151.87$566,459
2017$5,088.88$554,044
2016$5,088.88$293,832
2015$5,054.61$291,789
2014$5,084.72$289,473
2013$5,084.72$285,195
2012$5,073.61$280,428
2011$4,918.91$272,260
2010$4,799.16$268,236
2009$4,678.19$261,184
2008$4,681.29$260,923
2007$4,767.75$253,323
2006$5,056.39$247,144
2005$5,059.21$239,946
2004$0$230,631
2003$0$152,037
2002$0$149,192
2001$0$146,843
2000$3,583.99$142,566
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
5
Baths
5
Sq Ft
4,071
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $1,350,000Rent Basis: Modeled Estimate ($10,800/mo)State Tax Benchmark: 0.98% (FL)Hazard Reserve: $675/mo
Haven ScoreNeutral
4/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
6.30%

NOI: $85,077/yr

Cash-on-Cash Yield
0.3%

On $310,500 invested

DSCR Ratio
1.01x

Tight qualification

5-Yr Leveraged ROI
+95.8%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.98% of basis)-$551/mo
Homeowner / Hazard Insurance-$675/mo
Vacancy Reserve (5% of rent)-$540/mo
Repairs & Maintenance (10% of rent)-$1,080/mo
Property Management (8% of rent)-$864/mo
Total Pure Operating Expenses-$3,710/mo
Net Investor Cash Flow
Gross Scheduled Rent+$10,800/mo
Less: Operating Expenses-$3,710/mo
Net Operating Income (NOI)+$7,090/mo
Less: Debt Service (30yr @ 6.75%)-$7,005/mo
Net Cash Flow
$85/mo
$1,018/year
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