18102 Spencer Rd

Odessa, FL 33556

$745,000
Last Sold Price
3
Beds
1,990 Sq. Ft.
$374 / Sq. Ft.
1,990
Sq. Ft.
$374
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Sold 2/13/26
Sold 2/13/26
a view of a house with a big yard

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...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
  1. Listed by Annie Rocks, PA • Brokerage DRE #2034665 • ROCKS REALTY
    P: (727)-777-3264 C: (727)-777-3264 annie@therocksrealty.com

Property Details for 18102 Spencer Road

Architectural Style
Craftsman
Subdivision Name
UNPLATTED
Township
27
Garage Spaces
1
View
Garden, Trees/Woods, Water
Waterfront
Yes
Water View
Lake
Furnished
Unfurnished
LISTING UPDATED: 02/13/2026 04:19 PM

Property Details for 18102 Spencer Road

StatusSold
MLS #W7875774
Days on Market249
Taxes$12,446 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1967
Lot Size0.99 AC / 43,124 SF
CountyHillsborough County
Get preapproved with Rocket Mortgage1

Location

Listing Courtesy of ROCKS REALTY, Annie Rocks, PA

Sold By COASTAL PROPERTIES GROUP INTER, Jesse Hoover

Add your commute

Building Information for 18102 Spencer Road

Stories1Year Built1967Building Size-Lot Size0.99 AC / 43,124 SF

Payment Calculator

Get preapproved with Rocket Mortgage1

$4,789 per month

30 year fixed, 6.46% Interest

Principal and Interest

$3,751

Property Taxes

$1,037

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Know your buying power with a preapproval and custom rate in minutes

Rocket Mortgage1

Property Information for 18102 Spencer Road

Summary
Location and General Information
  • Building Area Source: Public Records
  • Building Area Total: 1990.0
  • Building Area Units: Square Feet
  • Direction Faces: East
  • Directions: Gunn Hwy to Tarpon Springs Rd. Left on Spencer. House on right.
  • Elementary School: Hammond Elementary School
  • Middle Or Junior School: Martinez-HB
  • High School: Steinbrenner High School
  • Mls Major Change Type: Sold
  • Major Change Type: Closed
  • Listing Service: Full Service
  • Road Frontage Type: Street Dead-End, Street Paved
  • Senior Community: No
  • Unit Number: No
  • Street Number: 18102
  • Street Name: SPENCER
  • Street Suffix: ROAD
  • State: FL
  • City: ODESSA
Parking
  • Attached Garage: No
  • Carport: No
  • Garage: Yes
  • Parking Features: Driveway
Taxes and HOA Information
  • Association Approval Required: No
  • Association: No
  • CDD: No
  • Pet Restrictions: BUYER TO VERIFY ALL INFO
  • Tax Block: 0000
  • Tax Book Number: 50-64
  • Tax 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
  • Tax Lot: 0000
  • Tax Year: 2024
Virtual Tour
Property
Lot Information
  • Additional Parcels: No
  • Lot Features: Cleared, In County, Irregular Lot, Landscaped, Level, Oversized Lot, Street Dead-End
  • Lot Size Dimensions: 135 x 250
  • Parcel Number: U162717ZZZ00000010200.0
  • Total Acreage: 1/2 to less than 1
  • Water Access: Lake
  • Water Access: Yes
  • Water Extras: Skiing Allowed
  • Water Extras: Yes
  • Water: Skiing Allowed
  • Zoning: ASC-1
  • Zoning Compatible: Yes
  • Living Area: 1990
  • Lot Dimensions: 135 x 250
Property and Assessments
  • Year Built Numeric: 1967
  • Amenities Additional Fees: BUYER TO VERIFY ALL INFO
  • Flood Zone Code: x
  • Homestead: No
  • New Construction: No
  • Public Survey Range: 17
  • Public Survey Section: 16
  • Dock YN: No
Utilities
  • Sewer: Septic Tank
  • Utilities: BB/HS Internet Available, Cable Connected, Electricity Connected, Fire Hydrant, Phone Available, Private, Sprinkler Well, Water Connected
  • Water Source: See Remarks, Well
Interior and Exterior Features
Exterior Features
  • Construction Materials: Block, HardiPlank Type, Wood Frame
  • Exterior Features: French Doors, Irrigation System, Lighting, Private Mailbox, Rain Gutters
  • Foundation Details: Slab
  • Levels: One
  • Patio And Porch Features: Front Porch, Patio
  • Pool Private: No
  • Pool: None
  • Pool Private: No
  • Roof: Shingle
  • Vegetation: Mature Landscaping
  • Waterfront Features: Lake Front
  • Waterfront Feet Total: 0
  • Number Of Stories: 1
Interior Features
  • Bedrooms Total: 3
  • Bathrooms Full: 2
  • Additional Rooms: Great Room, Inside Utility
  • 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
  • Cooling: Central Air
  • Fireplace: No
  • Flooring: Luxury Vinyl, Tile
  • Heating: Central, Electric
  • 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
  • Laundry Features: Inside, Laundry Room
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Room Count: 8.0
  • Water View: Yes
  • Window Features: Blinds, Double Pane Windows, Insulated Windows
  • Bathrooms Half: 0
Rental
Rental Information
  • Minimum Lease Period: 0
  • Pets Allowed: Yes

Property History for 18102 Spencer Road

DateEvent & SourcePriceAppreciation
Feb 13, 2026

Sold (Public Record)

Public Record #1929931657

$745,000

-4.4% / yr

Feb 13, 2026

Sold

MFRMLS #W7875774

$745,000—
Jan 26, 2026

Pending

MFRMLS #W7875774

—
Jan 17, 2026

Price Change

MFRMLS #W7875774

$789,000—
Aug 5, 2025

Price Change

MFRMLS #W7875774

$799,000—
Jul 9, 2025

Price Change

MFRMLS #W7875774

$849,000—
May 22, 2025

Price Change

MFRMLS #W7875774

$799,000—
May 22, 2025

Price Change

MFRMLS #W7875774

$789,000—
May 22, 2025

Listed (Active)

MFRMLS #W7875774

$899,000—
Nov 9, 2023

Sold (Public Record)

Public Record #1522674525

$825,000

+28.5% / yr

Nov 9, 2023

Sold

MFRMLS #T3455578

$825,000—
Oct 6, 2023

Pending

MFRMLS #T3455578

—
Jun 28, 2023

Listed (Active)

MFRMLS #T3455578

$985,000—
Jan 20, 2022

Sold (Public Record)

Public Record #1483710731

$525,000—
Jan 20, 2022

Sold

MFRMLS #T3346761

$525,000—
Dec 30, 2021

Pending

MFRMLS #T3346761

—
Dec 27, 2021

Listed (Active)

MFRMLS #T3346761

$550,000—
DateEvent & SourcePrice
02/13/2026

Sold (Public Record)

Public Record #1929931657

$745,000

-4.4% / yr

02/13/2026

Sold

MFRMLS #W7875774

$745,000
01/26/2026

Pending

MFRMLS #W7875774

—
01/17/2026

Price Change

MFRMLS #W7875774

$789,000
08/05/2025

Price Change

MFRMLS #W7875774

$799,000
07/09/2025

Price Change

MFRMLS #W7875774

$849,000
05/22/2025

Price Change

MFRMLS #W7875774

$799,000
05/22/2025

Price Change

MFRMLS #W7875774

$789,000
05/22/2025

Listed (Active)

MFRMLS #W7875774

$899,000
11/09/2023

Sold (Public Record)

Public Record #1522674525

$825,000

+28.5% / yr

11/09/2023

Sold

MFRMLS #T3455578

$825,000
10/06/2023

Pending

MFRMLS #T3455578

—
06/28/2023

Listed (Active)

MFRMLS #T3455578

$985,000
01/20/2022

Sold (Public Record)

Public Record #1483710731

$525,000
01/20/2022

Sold

MFRMLS #T3346761

$525,000
12/30/2021

Pending

MFRMLS #T3346761

—
12/27/2021

Listed (Active)

MFRMLS #T3346761

$550,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 18102 Spencer Road

Taxable ValueLand$482,137Additions$203,057Total$685,194
Tax Record2025$13,103 ($1,092 / month)
Home Facts
Beds3Total Finished SqFt1,786 SqFtAbove Grade Finished SqFt1,786 SqFtStories1Lot Size33,750 SqFtStyleSingle Family ResidenceYear Built1967Year Renovated2007ZoningASC-1CountyHILLSBOROUGHAPNU162717ZZZ000000102000

Schools near 18102 Spencer Road

This home is within Hillsborough.
Rating
School
Type
Grades
Distance
Hammond Elementary School
Public - PK to 5
Sergeant Paul R Smith Middle School
Public - 6 to 8
Steinbrenner High School
Public - 9 to 12
Walker Middle Magnet School
Public - 6 to 8
Rating
School
Distance
Hammond Elementary School
PublicPK to 5

Sergeant Paul R Smith Middle School
Public6 to 8

Steinbrenner High School
Public9 to 12

Walker Middle Magnet School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Similar Sold Homes

Explore Nearby Homes

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of ROCKS REALTY, Annie Rocks, PA

The information being provided by MFRMLS and Daytona Multiple Listing Service is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of MFRMLS or Daytona Multiple Listing Service. Real estate listings held by brokerage firms other than this site owner are marked with the IDX/MLS logo. Information deemed reliable but is not guaranteed accurate by MFRMLS or Daytona Multiple Listing Service. Last updated: 02/13/2026 04:19 PM