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
Single-familyProperty Type
1967Year Built
0.99 acresLot Size
$549Est. Price/Sq.Ft.
1 car garageParking
Listed by Annie Rocks, PA• ROCKS REALTY
Contact: 727-777-3264
Bought with Jesse Hoover• COASTAL PROPERTIES GROUP INTER
SKI LAKE OPPORTUNITY! Cement Block 3 Bedroom, 2 Bath Home on Beautiful Lake Taylor in Odessa. Lake Taylor is approximately 44 Acres and offers great Water Skiiing, Wakeboarding, Jet Ski's & Kayaks. Home has wood laminate flooring and a beautiful view of the lake out the back Family Room Window. Cement Block Workshop and a 1 Car Garage. Plenty of Room to expand this home into your Lake Front Dream Home!!! Fenced Yard and there are Well & Septic on the property.
Public Records
Apr 2, 1993
Sold
$118,900
$60/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$13,103 (+5.3%)
$482,137 + $203,057
$685,194
2024
$12,446 (+55.2%)
$482,137 + $203,057
$685,194
2023
$8,019 (+1,746.7%)
$331,239 + $141,979
$473,218
2022
$434 (+9.9%)
2021
$395 (+17.6%)
2020
$336 (+19.6%)
2019
$281 (+15.7%)
2018
$243 (+2.5%)
2017
$237 (+4.8%)
2016
$226
2015
$226 (+8.7%)
2014
$208 (−0.2%)
2013
$209 (−5.0%)
2012
$219
Tax history for 18102 Spencer Rd
Year
Property tax
Land + Additions
Assessment*
2025
$13,103 (+5.3%)
$482,137 + $203,057
$685,194
2024
$12,446 (+55.2%)
$482,137 + $203,057
$685,194
2023
$8,019 (+1,746.7%)
$331,239 + $141,979
$473,218
2022
$434 (+9.9%)
2021
$395 (+17.6%)
2020
$336 (+19.6%)
2019
$281 (+15.7%)
2018
$243 (+2.5%)
2017
$237 (+4.8%)
2016
$226
2015
$226 (+8.7%)
2014
$208 (−0.2%)
2013
$209 (−5.0%)
2012
$219
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Permits
Beds
3
Baths
2
Stories
1
Lot width
135 ft.
Lot depth
250 ft.
Lot size
0.77 Acres
Year renovated
2007
Sq. Ft.
1,786
Year built
1967
Style
Single Family Residential
County
Hillsborough County
APN
0013230000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 31, 2026.
ASC-1
Agricultural, Single-Family Conventional District
The purpose of this district is to encourage agricultural and related uses and permit single-family conventional development in a rural environment on lots containing a minimum of 1 acre.
Permitted uses
Include but are not limited to:
Agriculture
Housing-Single unit
Housing-Other
Educational/school
Library
Recreation
Casino / gaming facility
Park & open space
Feb 1, 2024 • Final
Tree removal
Remove five oak trees and one cypress tree that are at the end of their life stages.
Demolition
Grading
Nov 16, 2022 • Final
Residential roof trade
Perform a re-roofing project using shingles and underlayment.
Roofing
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Property details
Parking
Parking Information
Parking Features: Driveway
Garage Spaces: 1
Has Garage
Interior
Virtual Tour
Bedroom Information
# of Bedrooms: 3
Bathroom Information
# of Full Baths (Total): 2
Laundry Room Information
Laundry Features: Inside, Laundry Room
Other Rooms Information
Additional Rooms: Great Room,Inside Utility
# of Rooms: 8
Heating & Cooling
Heating Information: Central, Electric
Cooling Information: Central Air
Interior Features
Interior Features: Ceiling Fans(s), Eat-in Kitchen, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-in Closet(s), Window Treatments
Window Features: Blinds, Double Pane Windows, Insulated Windows
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
Flooring: Tile
Exterior
Building Information
Construction Materials: Block, Frame
Roof: Shingle
Exterior Features
Patio And Porch Features: Front Porch, Patio
Exterior Features: French Doors, Lighting, Private Mailbox, Rain Gutters