87 1ST Avenue NW Price Improvement! Seller will contribute toward buyer closing costs or an interest rate buy-down with an acceptable offer. Located in the highly sought-after Steinbrenner High School district with NO HOA or CDD fees, this charming lakefront home is tucked away at the end of a quiet dead-end street on a private .59-acre lot. Offering 1, 801 square feet of living space, this 3-bedroom, 2.5-bath home features soaring ceilings, a sunken living room with a wood-burning fireplace, an updated kitchen with granite countertops, wood cabinetry, a walk-in pantry, and a spacious upstairs loft. The first-floor primary suite offers private access to the screened lanai and an updated en-suite bath with dual vanities, a large tiled shower, and abundant closet space. Upstairs, you'll find two generously sized bedrooms, a full bath, and a versatile loft ideal for a home office, playroom, or additional living space. Step outside and enjoy the park-like backyard with direct lake access-perfect for kayaking, canoeing, fishing, or simply relaxing and taking in the peaceful waterfront views. Recent updates include exterior paint (2025), new water softener system (2025), roof (2019), updated bathrooms, HVAC (2014), and water heater (2014). Conveniently located near US-41, I-275, the Suncoast Parkway, shopping, dining, and entertainment, this home offers a rare combination of privacy, lakefront living, an oversized lot, and an excellent Lutz location.