18200 CYPRESS COVE LANE Lutz, FL $ 690,000
18200 CYPRESS COVE LANE
$ 690,000
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18200 CYPRESS COVE LANE

Lutz, FL, 33549
$ 690,000
Bedrooms4 Baths3.0 Sq 2,307

Monthly Estimate*

$ 4,357

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Single Family Home for sale in Lutz, FL

for $690,000 with 4 bedrooms and 3 full baths. This 2,307 square foot home was built in 1974 on a lot size of 0.33.

An incredible value for a large, feature-packed pool home directly on private ski lake Lake Stemper, complete with a covered dock and detached ADU! Set on a quiet cul-de-sac along the shores of Lake Stemper, this updated lakefront pool home delivers the Florida lifestyle buyers are searching for—boating, swimming, entertaining, and sunset views from home. Lake Stemper is a private ski lake shared by only approximately 20 homes, offering exceptional privacy with direct access to year-round water recreation. The home is not in a flood zone so flood insurance is not required, and lives in unincorporated Hillsborough county! The home is designed around a private courtyard with a heated saltwater pool, creating a secluded outdoor retreat at the center of the property. The pool and surrounding pavers were installed and sealed in April 2022 and resealed in April 2024. Inside, soaring ceilings, expansive windows, custom shades, contemporary finishes, and a ProFlame electric fireplace give the open living spaces a bright, modern feel. The renovated kitchen features sleek cabinetry, stainless steel appliances, and an expansive island, while multiple rooms showcase impressive lake views. The outdoor living spaces are built for entertaining. A fully equipped outdoor kitchen added in 2022 includes a Blaze four-burner propane grill, flat top and side burner, sink, ice maker, granite countertops, and under-counter LED lighting. Beyond the spacious lakeside deck, a private covered dock completed in 2022 puts boating, skiing, and sunset cruises just steps from the back door. A detached ADU with a private entrance and kitchenette adds valuable flexibility for guests, multigenerational living, a home office, or a studio. Major improvements include a water heater installed in 2020, pool and paver courtyard completed in 2022, outdoor kitchen added in 2022, covered dock completed in 2022, professional exterior lighting in 2024, and a new septic tank and drain field completed in 2025. With no HOA and no CDD, this is a rare opportunity to enjoy updated, private lakefront living without giving up everyday convenience.

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Single Family Active

Price

$ 690,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 10,155

Style

Single Family Residence

Lot Size

0.33

Year Built

1974

Town/City

Lutz

County/Region

Hillsborough

MLS | Web ID

TB8528738

Features
General
Sewer Septic Tank
Heating Central
Cooling Central Air
Utilities Water Connected Electricity Connected
Roof Membrane Shingle
Appliances Microwave Range Hood Washer Convection Oven Cooktop Dishwasher Dryer
Zoning RSC-4
Garage Spaces 2
Patio/Porch Features Deck Front Porch
Pool Features Heated In Ground Salt Water
Construction Materials Stucco Wood Frame Block
Year Built 1974
View Water
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Lake Front
County Hillsborough
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name CYPRESS COVE
Facing Direction North
Garage Y/N true
Total Rooms 3
Full Baths 3
Status Active
Directions From US-41/N Nebraska Avenue head east on Sunset Lane. Turn right onto Cypress Cove Road then continue onto Cypress Cove Lane. The property is at the end of the cul-de-sac at 18200 Cypress Cove Lane Lutz FL 33549.
High School Freedom-HB
City LUTZ
Body of Water LAKE STEMPER
Senior Community Y/N false
MLS Area 33549 - Lutz
Lot Size Units Square Feet
Lot Size Square Feet 14507
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Elementary School Lutz-HB
Land Lease Y/N false
Tax Annual Amount 10155
Middle/Junior High School Liberty-HB
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 545300
Legal Description TRACT BEG 880.22 FT S OF NE COR OF SW 1/4 OF NE 1/4 AND RUN N 78 DEG W 70 FT S 10 DEG 57 MIN W 157.1
Water View Lake
Water Access Type Lake
Minimum Lease No Minimum
Water Access Y/N true
Water View Y/N true
Flood Zone Code x
In Law Suite YN true
In Law Suite Description Kitchenette 1 Bathroom No Private Entrance Studio Detached (ADU)
DockY/N true
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Interior
Interior Amenities High Ceilings Open Floorplan Split Bedroom Stone Counters Thermostat Vaulted Ceiling(s) Ceiling Fan(s)
Flooring Vinyl Carpet
Furnished Y/N Unfurnished
Fireplace Features Living Room
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N true
Half Baths 0
Laundry Features Laundry Closet
Total Bedrooms 4
Total Baths 3
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Exterior
Exterior Amenities Lighting Outdoor Grill Outdoor Shower Private Yard Courtyard Rain Gutters Sliding Doors
Lot Features Unincorporated Cul-De-Sac
Water Source Public
Lot Size Area 14507
Foundation Details Slab
Spa false
Building Area Total 3045
Lot Size Acres 0.33
Road Surface Type Asphalt
Private Pool true
Waterfront Y/N true
Covered Spaces 2
Road Responsibility Public Maintained Road
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* Excluded Features
List By
Wright Davis Real Estate

Broker

dillon@wrightdavis.com

Email

Affordability Calculator

$5,203
Per Month
84%
16%
0%
Monthly Principal & Interest
$4,357
Monthly Property Taxes
$846
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3324549 Elementary School
3324349 Middle School
Freedom-HB High School High School
Pricing History
DatePricePrice ChangeDescription
7/13/2026$690,000 Listed Price

Map


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18200 CYPRESS COVE LANE, Lutz, FL, 33549 is a Single Family Home for sale at $690,000 with 2,307 sqft and a lot size of 0.33. 18200 CYPRESS COVE LANE has 4 bedrooms, 3.0 baths, and was built in 1974. The property's zip code is 33549 which is in Lutz, FL