6107 Cognac Circle, Lutz, FL

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Welcome to 6107 Cognac Circle, a beautifully maintained pool home on a quiet cul-de-sac in the gated Cheval community. Built in 1998, this residence offers 2,801 heated sq ft on a quarter-acre lot with mature landscaping, pond views, a 3-car garage, and additional driveway parking. Inside, enjoy 10+ ft ceilings, ceramic tile in main living areas, and luxury vinyl plank flooring in all bedrooms (no carpet). The bright, open kitchen and family room layout is ideal for both entertaining and everyday living. The gourmet kitchen features granite countertops, large island, white cabinetry, tile backsplash, under-cabinet lighting, desk workspace, and new built-in oven and microwave (2025). The primary suite offers a tray ceiling with can lighting, spa-style en-suite bath with dual vanities, soaking tub, separate shower and water closet, double walk-in closets, and direct access to the pool deck. A split-bedroom floor plan provides flexibility for multi-generational living with four additional generously sized bedrooms, two updated full bathrooms, and a powder room near the formal living area. Outdoor living includes a private screened chlorine pool, updated pool surface, black aluminum fenced yard, and peaceful water views from the lanai. Recent updates include gas water heater (2025), exterior paint (2026), and new front light fixtures (2026). Cheval residents enjoy 24-hour gated security, golf course, clubhouse, fitness center, golf-cart-friendly streets, and top-rated schools (McKitrick Elementary, Martinez Middle and Steinbrenner High). One-third mile walk to Brooker Creek trailhead from inside Cheval. Convenient to beaches, downtown Tampa, and Tampa International Airport, all with a low annual HOA of $150.