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75 photos

$690,000

18200 CYPRESS COVE LN
LUTZ, FL 33549
Listed by Dillon Cook · WRIGHT DAVIS REAL ESTATE
Bedrooms
4
Bathrooms
3
Living area
2,307 sqft
Year built
1974

About this home

Back on the market after a tenant broke their lease! 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.

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS #
MFRTB8544945
Property type
Single Family Residence
Subdivision
CYPRESS COVE
Status
Active
Days on market
1
On market date
September 2, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
0.33 acres
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Nearby schools

Within 10 miles · public school directory data (NCES)

ElementaryCharter
LUTZ PREPARATORY SCHOOL
0.44 mi away · Grades 0-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
782
Student:teacher ratio
15.6:1
District
HILLSBOROUGH
Middle
BUCHANAN MIDDLE SCHOOL
3.34 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
704
Student:teacher ratio
16.4:1
District
HILLSBOROUGH
High
GAITHER HIGH SCHOOL
3.81 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,093
Student:teacher ratio
21.6:1
District
HILLSBOROUGH

Mortgage calculator

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Est. monthly payment
$4,305/mo
$138,000 down
$552,000 loan
Principal & interest$3,580
Property tax (est.)$575
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 3 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.