This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.
1/49
$799,000
This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.
1/49
Property Description
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
Full Property Details
Full Property Details for 18102 Spencer Rd
General
- Price: $799,000
- Taxes: $12,446 (2024)
- Status: Active
- Type: Single Family
- Source: MidFloridaRegionalMLS
- MLS ID: W7875774
- Updated: 1/11/2026
- Added to Site: 240 day(s) ago
Rental Information
- Min. Lease: 1-7 Days
Interior
- Number of Rooms: 8
- Interior Features: Ceiling Fan(s), Eating Space In Kitchen, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Kitchen Reverse Osmosis System, Range, Refrigerator, Tankless Water Heater, Washer, Water Filtration System, Water Purifier, Water Softener, Wine Refrigerator
- Furnishings: Unfurnished
- Flooring: Luxury Vinyl, Tile
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Other Rooms
- Laundry: Inside, Laundry Room
Exterior
- Exterior Features: French Doors, Irrigation System, Lighting, Private Mailbox, Rain Gutters
- Deck/Patio: Front Porch, Patio
- Porch/Patio/Deck: Front Porch, Patio
Parking
- Garage: Yes
- Garage Spaces: 1
- Covered Spaces: 1
- Parking Features: Driveway
Location
- Area: 33556 - Odessa
- County: Hillsborough
- Development Name: 33556 - Odessa
- Subdivision: UNPLATTED
- Driving Directions: Gunn Hwy to Tarpon Springs Rd. Left on Spencer. House on right.
- Direction Faces: East
School Information
- Elementary School: Hammond Elementary School
- Middle School: Martinez-HB
- High School: Steinbrenner High School
Community
- Community Name: 33556 - Odessa
- Pet Restrictions: BUYER TO VERIFY ALL INFO
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Central, Electric
Utilities
- Sewer: Septic Tank
- Water: See Remarks, Well
- Utility Description: BB/HS Internet Available, Cable Connected, Electricity Connected, Fire Hydrant, Phone Available, Private, Sprinkler Well, Water Connected
Structural Information
- Architectural Info: Craftsman
- Architectural Style: Craftsman
- Exterior Const.: Block, HardiPlank Type, Wood Frame
- Roof: Shingle
- Windows: Blinds, Double Pane Windows, Insulated Windows
- Stories/Levels: One
- Square Feet: 1,990
- Sq. Ft. Source: Public Records
- Year Built: 1967
Lot Features
- Property View: Garden, Trees/Woods, Water
- Lot Size (Acres): 0.99
- Lot Size (Sq. Ft.): 43,124
- Lot Size: 43124
- Lot Dimensions: 135 x 250
- Frontage: Street Dead-End, Street Paved
- Street/Road Desc.: Paved
Water Features
- Water Front: Yes
- Water View: Yes
- Water Access: Yes
- Water Access Desc: Lake
- Water Extras: Yes
- Water Front Desc.: Lake Front
Financial Considerations
- Tax Amount: $12,446
- Tax Year: 2024
Disclosures and Reports
- Ownership: Fee Simple
- Special Conditions: None
- Legal Description: TRACT BEG ON WLY R/W LINE OF SPENCER RD 50 FT W & 711 FT N OF SE COR OF E 1/2 OF NW 1/4 AND RUN N 73 DEG 30 MIN 30 SEC W 541.39 FT N 2 DEG 14 MIN W 32.98 FT S 84 DEG 19 MIN 30 SEC E 522.18 FT TO RD AND S 135 FT ALONG RD TO BEG
- Flood Zone Info: x
- APN: U162717ZZZ00000010200.0
- Property ID: U162717ZZZ00000010200.0
Listed by Rocks Realty
Get Pre-Approved Today
Schools
Schools serving 18102 Spencer Rd
School District:Hillsborough County School District
| Name | Grades | Distance |
|---|---|---|
Hammond Elementary School 8008 North Mobley Road, Odessa, FL 33556 | PK-5 | 2.7 mi |
Martinez Middle School 5601 West Lutz Lake Fern Road, Lutz, FL 33558 | 6-8 | 4.9 mi |
Steinbrenner High School 5575 West Lutz Lake Fern Road, Lutz, FL 33558 | 9-12 | 4.7 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 18102 Spencer Rd
Date
Details
Price
Change
Source
8/05/2025
Price Reduced
$799,000
-5.89%
MLS
7/09/2025
Price Reduced
$849,000
-5.56%
MLS
5/22/2025
Listed
$899,000
8.97%
MLS
11/09/2023
Sold
$825,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 18102 Spencer Rd
Year
Property Taxes
Change
Tax Assessment
Change
2025
$13,103
5%
$685,194
—
2024
$12,446
55%
$685,365
45%
2023
$8,019
1930%
$473,218
229%
2021
$395
-9%
$143,791
-3%
2022
$434
10%
$148,105
4%
2021
$395
41%
$141,806
2%
2019
$281
16%
$138,618
2%
2018
$243
3%
$136,033
2%
2017
$237
5%
$133,235
2%
2016
$226
—
$130,495
1%
2015
$226
9%
$129,588
1%
2014
$208
—
$128,560
2%
2013
$208
—
$126,660
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 18102 Spencer Rd
18102 Spencer Road, Odessa, FL 33556 (MLS# W7875774) is a Single Family property with 3 bedrooms and 2 full bathrooms. 18102 Spencer Road is currently listed for $799,000 and was received on May 22, 2025. Want to learn more about 18102 Spencer Road? Do you have questions about finding other Single Family real estate for sale in Odessa? You can browse all Odessa real estate or contact a Coldwell Banker agent to request more information.

