$799,000

18102 Spencer Road, Odessa, FL 33556

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$799,000

(50,000) 08/05/2025

18102 Spencer Road Odessa, FL 33556

For Sale MLS# W7875774

3 beds 2 baths 1,990 sq ft Single Family

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Data current as of 31/12/2025 16:54:13

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

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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

Date Price Change
Currently not available.

Tax Summary

Tax Year Estimated Market Value Total Tax
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Schools nearby 18102 Spencer Road

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Data powered by ATTOM Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

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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