Twilight exterior of 18200 Cypress Cove Lane in Lutz, Florida

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Off Market

Lutz, FL 33549

18200 Cypress Cove Lane

$690,000 4 beds 3 baths 2,307 sq ft

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Waterfront home in Lutz

A closer look at life by Lake Stemper.

Set along Lake Stemper, this four-bedroom, three-bath Lutz home offers 2,307 square feet of heated living area, a heated saltwater courtyard pool, outdoor kitchen, lakeside deck and covered dock with lift.

Designed around the water

The MLS describes Lake Stemper as a private ski lake shared by approximately 20 homes. The property has approximately 95 feet of lake frontage, a covered 10-by-72-foot dock and a lift rated for 7,000 pounds. Buyers should independently verify waterfront measurements, dock specifications and lake-use information.

Flexible living space

A detached ADU includes a kitchenette and bathroom, adding flexibility for guests, work, hobbies or multigenerational plans, subject to a buyer confirming permits, use and suitability.

Recent improvements

The MLS reports that the pool and paver courtyard were completed in 2022 and resealed in 2024, the outdoor kitchen and covered dock were added in 2022, professional exterior lighting was added in 2024, and a new septic tank and drain field were completed in 2025. The water heater was installed in 2020.

Everyday practicality

The property also includes an attached two-car garage and laundry closet, with no HOA or CDD reported in the MLS. It is in unincorporated Hillsborough County and identified as FEMA Flood Zone X; buyers should independently verify current flood, insurance, permit and property information.

Property highlights

What stands out

Approximately 95 feet of Lake Stemper frontage with a covered 10-by-72-foot dock and 7,000-pound lift reported in the MLS
Heated in-ground saltwater courtyard pool and pavers completed in 2022 and resealed in 2024
Outdoor kitchen added in 2022 with Blaze grill, flat top, side burner, sink, ice maker, granite counters and under-counter lighting
Renovated kitchen with stainless steel appliances and an expansive island
Detached ADU with a kitchenette and bathroom
Soaring ceilings, expansive windows, custom shades and a ProFlame electric fireplace
New septic tank and drain field completed in 2025; water heater installed in 2020
Attached two-car garage with no HOA or CDD reported in the MLS

Daytime front exterior of the Cypress Cove Lane home

Entry foyer opening toward the main living areas

Living area with tall windows overlooking Lake Stemper

Open kitchen and living area with a central island

Renovated kitchen with island seating and dark wood cabinetry

View all 33 photos

Secondary bedroom with window and closet

Heated saltwater pool and paved courtyard

Heated saltwater pool with Lake Stemper beyond

Covered private dock extending over Lake Stemper

Covered private dock and boat lift on Lake Stemper

Aerial view of the home, pool and lakefront setting

Aerial view showing the property and dock on Lake Stemper

Aerial view of the Cypress Cove neighborhood and surrounding lakes

At a glance

Property details

Last list price: $690,000
Bedrooms: 4
Bathrooms: 3
Living area: 2,307 sq ft
Lot size: 0.33 acres
Year built: 1974
Garage: 2 spaces
Property type: Single Family Residence
Waterfront: Lake Stemper
Flood information: FEMA Flood Zone X (per MLS; buyer to verify)
MLS number: TB8528738

Virtually staged living room overlooking the pool and lake — Virtually staged. Furnishings and decor are digitally added. Buyers should verify room dimensions, finishes and condition in person.

Virtually staged dining area with lake views — Virtually staged. Furnishings and decor are digitally added. Buyers should verify room dimensions, finishes and condition in person.

Virtually staged bedroom — Virtually staged. Furnishings and decor are digitally added. Buyers should verify room dimensions, finishes and condition in person.

Virtually staged bedroom with contemporary furnishings — Virtually staged. Furnishings and decor are digitally added. Buyers should verify room dimensions, finishes and condition in person.

Plan the tour

Floor plan

Use the floor plan as a general orientation guide. Dimensions and layouts should be independently verified.

What comes next

Find the next opportunity

This property is no longer available, but Dillon can help you find a similar home or prepare your own sale.

(317) 910-5899 dillon@theinvestoragent.io

Dillon Cook · WrightDavis Real Estate Brokerage: (813) 640-9000 · dillon@wrightdavis.com

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Listing courtesy of Dillon Cook, WrightDavis Real Estate. Property information is sourced from Stellar MLS listing TB8528738 and should be independently verified.

Information is deemed reliable but not guaranteed. Buyers should independently verify measurements, school assignments, flood information, permits, property condition and current availability.