18102 Spencer Road Odessa, FL 33556
For Sale MLS# W7875774
3 beds 2 baths 1,990 sq ft Single Family
Details for 18102 Spencer Road
MLS# W7875774
Description for 18102 Spencer Road, Odessa, FL, 33556
Lakefront Opportunity in Keystone – Now $25K Below Seller’s Purchase Price!!! Incredible value on a serene, private lake lot with updated home and prime location. A rare opportunity to own a completely remodeled lakefront home on an acre of land in the heart of Keystone—one of the last truly rural pockets of Tampa Bay. With no HOA, no CDD, and not located in a flood zone, this Keystone Odessa property offers unmatched freedom, peace of mind, and a quiet lifestyle just 20 minutes from Tampa International Airport, downtown, and the beaches. Positioned on the peaceful cove of Lake Taylor, a 50-acre private ski lake, the home offers tranquil water views and access to fishing, boating, and year-round wildlife watching. Facing due west, the backyard delivers breathtaking sunsets over the lake—an unbeatable backdrop for evenings outdoors. Completely rebuilt from the studs in 2022, this three-bedroom, two-bathroom home includes all-new plumbing, electrical, HVAC, EcoBee thermostat, tankless water heater, roof, hardy board siding, insulation, drywall, windows, and doors. The deep, solid foundation provides lasting stability, and every inch of the interior was thoughtfully designed with luxury vinyl plank flooring, solid wood flat-panel doors, LED recessed lighting, and stylish, high-end finishes. The stunning kitchen showcases shaker cabinetry, quartz countertops, reverse osmosis at the sink, and a GE Café matte white appliance suite with gold accents. Both bathrooms feature handmade concrete tile, stacked zellige tile, frameless glass showers, and designer fixtures. The laundry room includes cabinetry, a sink, and full appliances. Outside, enjoy lush new St. Augustine sod supported by a new irrigation system, a recently upgraded driveway with a new section and resurfaced finish, and charming brick paver walkways that lead to a peaceful back patio. A detached garage provides excellent storage for tools, water gear, or hobby space, and there’s a 50-amp hookup in place for your RV. Maintained under a termite bond with no known pest issues, the home sits approximately 50 feet above sea level and has remained dry through all recent storm events. The sellers also invested in extensive tree removal based on certified arborist recommendations and fully upgraded the well system, including a new bladder, softener, UV filter, and reverse osmosis for fresh, clean water. This is not a flip—current owners purchased the home, spent nearly $80k on the home with plans to retire here but never moved in due to a lifestyle change. Located in an A-rated school district and zoned for the coveted Steinbrenner High School, one of the top-ranked schools in the state. Flood insurance is not required, making this a rare and affordable waterfront opportunity. The property is zoned ASC-1, allowing the flexibility for a small urban farm, garden, or outbuildings. Surrounded by multi-million dollar homes and supported by the active Keystone Civic Association, this home blends craftsmanship, privacy, and lifestyle in one of Tampa Bay’s most desirable lakefront communities. The quiet street ends in a gated neighborhood with minimal traffic—an ideal setting to enjoy nature, space, and serenity. For a video walkthrough and a 3D walk go to this site: bit.ly/KeystoneLakeHouse
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 3
Bathrooms: 2
Lot Size: 0.99 Acres
Square Feet: 1,990 sq ft
Year Built: 1967
Garage: Yes
Stories: 1 Story
Construction: Block,HardiPlank Type,Wood Frame
Subdivision: Unplatted
Foundation: Slab
County: Hillsborough
School Information
Elementary: Hammond Elementary School
Middle: Martinez-Hb
High: Steinbrenner High School
Room Information
Main Floor
Laundry: 5x9
Kitchen: 17x13
Bedroom 3: 12x11
Bedroom 2: 10x11
Primary Bathroom: 8x9
Primary Bedroom: 17x13
Dining Room: 16x10
Living Room: 20x16
Bathrooms
Full Baths: 2
Additonal Room Information
Laundry: Laundry Room, Inside
Interior Features
Appliances: Tankless Water Heater, Electric Water Heater, Water Softener, Range, Refrigerator, Washer, Dishwasher, Disposal, Dryer, Water Purifier, Wine Refrigerator, Convection Oven, Exhaust Fan
Flooring: Luxury Vinyl,Tile
Doors/Windows: Window Treatments, Insulated Windows, Blinds, Double Pane Windows
Additional Interior Features: Walk-In Closet(s), Split Bedrooms, Window Treatments, Ceiling Fan(s), Eat-In Kitchen, Built-in Features, Wood Cabinets, Stone Counters, Main Level Primary, Open Floorplan
Utilities
Water: See Remarks, Well
Sewer: Septic Tank
Other Utilities: Cable Connected,Electricity Connected,High Speed Internet Available,Phone Available,Water Connected
Cooling: Ceiling Fan(s), Central Air
Heating: Central, Electric
Exterior / Lot Features
Garage Spaces: 1
Parking Description: driveway
Roof: Shingle
Lot View: Garden,Lake,Trees/Woods,Water
Lot Dimensions: 135x250
Additional Exterior/Lot Features: Rain Gutters, Sprinkler/Irrigation, French Patio Doors, Lighting, Patio, Front Porch, Flat, Irregular Lot, Level, Landscaped, Cleared, Dead End, Oversized Lot, Outside City Limits
Waterfront Details
Water Front Features: Lake Privileges, Lake Front
Community Features
Security Features: Fire Hydrant(s)
Driving Directions
Gunn Hwy to Tarpon Springs Rd. Left on Spencer. House on right.
Financial Considerations
Terms: Cash,Conventional,VA Loan
Tax/Property ID: U-16-27-17-ZZZ-000000-10200.0
Tax Amount: 12446
Tax Year: 2024
A broker reciprocity listing courtesy: ROCKS REALTY
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Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 18102 Spencer Road
Sales History
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Tax Summary
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Schools
Schools nearby 18102 Spencer Road
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The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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