18102 Spencer Road

Off Market

18102 Spencer Road

Keystone FL 33556

1990 sq. ft.

43124 sq. ft.

Single-Family

Last sold for $745,000

Annie Rocks, PA, last sold this property on 13 February 2026 after 265 days on market.

Overview

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

Features

3 bedrooms

2 bathrooms

1 carspace

1 garage space

1990 sq. ft. floor area

43124 sq. ft. lot size

Single-Family

Estimated Value

Based on this property and similar 3 bedroom single-family properties sold in Keystone over the last 12 months, the estimated median property value of 18102 Spencer Road is $520k.

Median value

$520k

Estimated value range

$192k - $2.48m

Median days on market

Estimated value trend

-10%

decrease over the last 12 months

Average days on market is based on recent, comparable sales in Keystone. It is only an indication of the time a property is actively listed and should not be relied upon as an accurate representation of how soon a property will be sold.

Property history for 18102 Spencer Road

2026

Sold

$745,000

13 Feb 2026 by Annie Rocks, PA, of ROCKS REALTY

2023

Sold

$825,000

09 Nov 2023 by Beth Cupari, of FLORIDA EXECUTIVE REALTY

2022

Sold

$525,000

20 Jan 2022 by Nancy Johanson, of JOHANSON & ASSOCIATES, INC.

Happy sellers in Keystone

94%

94% of sellers in Keystone reported that their sale price either exceeded or met their price expectations.

Keystone stands out for consistently delivering exceptional satisfaction and strong market results for homeowners.

This is based on voluntary sentiment collected from 6 reviews in Keystone over the last 12 months.

Local market activity for 3 bedroom single-family properties in Keystone

In the last 12 months, 97 three-bedroom single-family properties similar to 18102 Spencer Road, have been sold.

This represents a 20% increase in three-bedroom single-family properties sales when compared to the previous 12 months.

Sold

For Sale

Interested in selling?

People are reaching out to these agents in Keystone for a market analysis.

Nicholas Shoemaker

at INSPIRED REALTY, LLC

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Nearby agents

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Nicholas Shoemaker

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