$995,000

Estimated payment $5,670/month

Total Views 2,682
3 Beds
3 Baths
3,350 Sq Ft
$297 Price per Sq Ft

Highlights

  • 144 Feet of Lake Waterfront
  • Heated Pool
  • Tennis Courts
  • Fitness Center
  • Cathedral Ceiling
  • Covered Patio or Porch

About This Home

Discover refined lakefront living in this stunning custom Cardel home, quietly nestled at the end of a serene cul-de-sac in the sought-after Waterset community. Positioned on an oversized ~70-foot homesite with approximately 144 feet of unobstructed lake frontage, this residence offers a rare combination of privacy, elegance, and breathtaking natural beauty—enhanced by hurricane-resistant upgrades for added peace of mind. Step inside to a grand foyer with soaring 12-foot ceilings and detailed crown molding, setting a welcoming tone of sophistication. Natural light pours through double-stacked windows, illuminating expansive open living spaces designed for both comfort and entertaining. Flexible Living: In addition to the 3 bedrooms, this home features a beautifully enclosed office/flex room with French doors—ideal as a home office, fitness space, reading lounge, or potential 4th bedroom conversion. **Buyer Advantage: This home offers a VA assumable mortgage at just 2.25% with an approximate remaining balance of $315,000. In today’s market, this could translate to estimated savings of $800+ per month compared to current interest rates. The gourmet kitchen serves as the heart of the home, featuring premium double-stacked cabinetry, Cambria quartz countertops, a gas cooktop, stacked oven and microwave, a butler’s pantry, and a custom walk-in pantry—perfectly suited for everyday living and hosting. The primary suite is a tranquil retreat with serene lake views and cascading pool features. The spa-inspired bath includes an oversized shower with dual shower heads and rain feature, dual vanities, and a custom storage bench. Two spacious walk-in closets—one with a custom organization system—offer exceptional storage. A secondary primary suite provides an ideal private haven for guests or multigenerational living, complete with a walk-in closet and an ensuite bath with upgraded cabinetry and Cambria countertops. A generous bonus room with lake views is paired with an additional bedroom and full pool bath, creating flexible living options. French doors throughout the home enhance privacy while maintaining a seamless flow. The upgraded laundry room includes a deep sink and 40-inch cabinetry for added convenience. Outdoor Living at Its Best: The expansive screened lanai features travertine decking, known for its elegant texture and cool-to-the-touch comfort. Customizable Trim lights elevate evening ambiance, while the pool showcases a bubbling spa, built-in bench seating, and tranquil waterfall features. A gas line is already in place for a future outdoor kitchen, complemented by a new 2025 gas pool heater for year-round enjoyment. The fully fenced backyard enhances both privacy and peace of mind. Peace of Mind Upgrades: Hurricane-grade enhancements include Category 5 motorized roll-down shutters enclosing the covered patio, Category 5 hurricane-rated windows in the dining and bonus rooms, and Crimsafe Category 5 security screens on select windows. Additional enhancements include a newly epoxy-coated garage floor with storage racks, upgraded 18 and 14 SEER air handlers, an on-demand hot water system, and a whole-home water softener. Located in vibrant Waterset, residents enjoy resort-style amenities including pools, fitness centers, walking and biking trails, parks, sports courts, and year-round community events—all in beautiful Apollo Beach, just minutes from Tampa.

Listing Agent

Shawna Kugler

EZ CHOICE MLS, INC Brokerage Phone: 813-377-2260 License #681082 Listed on: 01/29/2026

EZ CHOICE MLS, INC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,282

Year Built

  • Built in 2017

Lot Details

  • 12,033 Sq Ft Lot
  • 144 Feet of Lake Waterfront
  • Lake Front
  • West Facing Home
  • Dog Run
  • Property is zoned PD

HOA Fees

  • $2 Monthly HOA Fees

Parking

  • 3 Car Attached Garage

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,350 Sq Ft Home
  • 1-Story Property
  • Crown Molding
  • Cathedral Ceiling
  • Ceiling Fan
  • Family Room Off Kitchen
  • Combination Dining and Living Room
  • Lake Views
  • Hurricane or Storm Shutters
  • Laundry Room

Kitchen

  • Butlers Pantry
  • Built-In Oven
  • Cooktop
  • Microwave
  • Dishwasher
  • Disposal

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 3 Full Bathrooms

Outdoor Features

  • Heated Pool
  • Access To Lake
  • Covered Patio or Porch
  • Outdoor Storage
  • Rain Gutters

Additional Homes

  • 420 SF Accessory Dwelling Unit

Utilities

  • Central Heating and Cooling System
  • Heating System Uses Natural Gas
  • Water Softener

Listing and Financial Details

Community Details

Overview

  • Association fees include ground maintenance, recreational facilities
  • Waterset Association
  • Waterset Ph 2C3 3 / 2C3 4 Subdivision
  • The community has rules related to deed restrictions

Recreation

  • Tennis Courts
  • Community Basketball Court
  • Pickleball Courts
  • Recreation Facilities
  • Community Playground
  • Fitness Center
  • Community Pool
  • Park

Security

  • Security Service

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,282

Year Built

Built in 2017

Lot Details

0.28 Acres

HOA Fees

$2 per month

Parking

3

Listing Details

  • HOA Fee Includes: Maintenance Grounds, Recreational Facilities
  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 3350
  • Lot Size Acres: 0.28
  • New Construction: No
  • Year Built: 2017
  • Building Area Total: 4698
  • Lot Size Sq Ft: 12033
  • Status: Active
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 436.46
  • Escrow State: FL
  • Minimum Lease: 1-2 Years
  • RATIO Current Price By Calculate: 297.01
  • Total Acreage: 1/4 to less than 1/2
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 1
  • MFR_InLawSuiteDescription: 1 Bathroom,1 Bedroom
  • MFR_InLawSuiteUnderAirSqFt: 420.00
  • Attribution Contact: 813-377-2260
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Tile
  • Full Bathrooms: 3
  • Interior Amenities: Cathedral Ceiling(s), Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Split Bedroom, Walk-In Closet(s), Window Treatments
  • Appliances Included: Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Stories: 1
  • Living Area Meters: 311.23

Exterior Features

  • Direction Faces: West
  • Pool Features: Heated
  • Exterior Features: Dog Run, Hurricane Shutters, Rain Gutters, Storage
  • Roof: Shingle
  • Pool Private: Yes
  • View: Water
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Front Porch, Patio, Porch, Screened
  • Road Surface Type: Paved
  • Water Access: Lake
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 144
  • Flood Zone Panel: 12057C0494J
  • Water Frontage Feet Lake: 144

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 3
  • Garage Yn: Yes

Utilities

  • Utilities: Public
  • Cooling: Central Air
  • Heating: Central, Natural Gas
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Deed Restrictions, Park, Playground, Pool, Tennis Court(s)
  • Association Amenities: Basketball Court, Fitness Center, Park, Pickleball Court(s), Playground, Pool, Recreation Facilities, Security, Tennis Court(s)
  • Association Fee: 18
  • Association Fee Frequency: Annually
  • Association Name: Waterset
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Buyer/Agent to verify all with owner/HOA
  • Association Fee Requirement: Required

Fee Information

  • Total Annual Fees: 18.00
  • Total Monthly Fees: 1.50
  • Monthly HOA Amount: 1.50

Lot Info

  • Zoning: PD
  • Parcel Number: U-23-31-19-9VH-000036-00034.0
  • Additional Parcels: No
  • Fencing: Other
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 0
  • Additional Lease Restrictions: Buyer/Agent to verify all with owner/HOA

Tax Info

  • Tax Annual Amount: 4282.03
  • Tax Block: 36
  • Tax Book Number: 121-234
  • Tax Lot: 34
  • Tax Other Annual Assessment Amount: 2800

Multi Family

  • Waterfront Features: Lake Front
  • Approval Process: Buyer/Agent to verify all with owner/HOA

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,282 $467,518 -- --
2024 $4,282 $454,342 -- --
2023 $4,215 $441,109 $0 $0
2022 $7,868 $428,261 $0 $0
2021 $9,398 $415,787 $0 $0
2020 $10,177 $410,046 $0 $0
2019 $10,023 $400,827 $96,144 $304,683
2018 $9,271 $365,451 $0 $0
2017 $5,004 $84,833 $0 $0
2016 $4,820 $84,833 $0 $0
2015 $4,660 $84,833 $0 $0
2014 $4,290 $70,694 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
01/29/2026 01/29/26 For Sale $995,000 -- $297 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Special Warranty Deed $514,800 Hillsborough Title Llc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $408,079 VA
Source: Public Records

Source: Stellar MLS

MLS Number: TB8469614

Stellar MLS

APN: U-23-31-19-9VH-000036-00034.0

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