4218 WATER OAKS LANE, TAMPA, FL, 33618
Pending183 days on marketListed Feb 13, 2026MLS #TB8475642
About this home
4218 WATER OAKS LANE
Welcome to this beautifully maintained 3-bedroom, 3-bath pool home located in a desirable Tampa neighborhood. This spacious residence features a bright and functional layout with generous living areas ideal for everyday living and entertaining. The kitchen includes ample cabinet and counter space and connects seamlessly to the dining and main living areas. The bedrooms are comfortably sized, and the additional full bath adds flexibility for guests or multi-generational living. Step outside to your private pool and outdoor space, perfect for relaxing or hosting gatherings year-round. Conveniently located near shopping, dining, parks, and major roadways, this is a truly nice home in a sought-after Tampa location.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,687
Sqft
0.28 ac
Lot size
2
Garage
1980
Year built
Two
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,434 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,434/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−10.2%
$/sqft vs Tampa actives
$201 vs $301
Days on market
183 vs 42 typical
Where $201/sqft sits among the 400 Tampa actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Carrollwood Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Carrollwood Village — neighborhood snapshot
Population
9,217
Median age
50
Median income
$107,115
Median home value
$430,001
Avg household
2
Households w/ children
924
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $439K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
195 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 93% above the TAMPA 33618 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4218 WATER OAKS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$460,000
4233 WATER OAKS LANE · same community
4 bd · 2.5 ba · 2,286 sqft · $201/sqft · 5 DOM
Sold · Jun ’26$521,550
10309 RECLINATA LANE
4 bd · 2.5 ba · 2,409 sqft · $217/sqft · 4 DOM
Sold · Feb ’26$365,000
10115 CEDAR DUNE DRIVE
4 bd · 2.5 ba · 1,772 sqft · $206/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Moe Thouk Oo
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4218 WATER OAKS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4218 WATER OAKS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4218 WATER OAKS LANE FAQs
What would the monthly payment be for 4218 WATER OAKS LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,434/mo — principal and interest, the actual property-tax bill, the $38/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4218 WATER OAKS LANE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4218 WATER OAKS LANE?+
The most recent tax bill on record (2024) was $9,823. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4218 WATER OAKS LANE?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Tampa?+
At $539,900, this home is listed about 20% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4218 WATER OAKS LANE?+
Carrollwood K-8 School (elementary), Chamberlain High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$539,900 runs 93% above the TAMPA 33618 median — but at 2,687 sqft it's also 69% larger than the typical Tampa listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
183 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $599,900, now $539,900 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · John Scalia. MLS #TB8475642.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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