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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc. — Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only — not for navigation. Full MLS Compliance

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+20

18200 CYPRESS COVE LANE

LUTZ, FL, 33549

Active

$690,000

18200 CYPRESS COVE LANE

LUTZ, FL, 33549

Active

$690,000

4

Bedrooms

3

Bathrooms

2,307 sqft

Living Area

1974

Year Built

$690,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map — verify navigability with a local captain or surveyor before relying on it.

14,507

Lot Size (sqft)

2

Days on Market

Dock Score™

DockOnly
51
Fair

What shaped this score

✓Dock with boat lift
✓Fits boats up to ~95ft (est.)
✓Bridge-free to ocean
·Lake/Lagoon

DockOnly.com rating — not provided by the MLS or listing broker.

Dock & Water AccessMLS

Lake Front

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators~81-109 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

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.

Schedule a Showing

See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

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Location

LUTZ, FL, 33549

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc. — Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of WRIGHT DAVIS REAL ESTATE via Stellar MLS

Last updated: 7/15/2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Dock Score™

DockOnly
51
Fair

What shaped this score

✓Dock with boat lift
✓Fits boats up to ~95ft (est.)
✓Bridge-free to ocean
·Lake/Lagoon

DockOnly.com rating — not provided by the MLS or listing broker.

FEMA Flood Zone X
BFE: -9999ft

Minimal Flood Hazard

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$138,000 down

%
Principal & Interest$3,580/mo
Property Tax (est. ~1.2%, varies by county)$690/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$4,520
Loan Amount: $552,000Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

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