20161 UMBRIA HILL DRIVE, TAMPA, FL, 33647
Active122 days on marketListed Apr 13, 2026MLS #TB8490012
About this home
20161 UMBRIA HILL DRIVE
Welcome to refined Florida living in the highly sought-after, gated Esplanade at Tampa. Perfectly positioned on a premium homesite, 20161 Umbria Hill Drive is a 2019-built, beautifully upgraded home offering an exceptional blend of luxury, comfort, and true resort-style living. Designed for effortless everyday living and entertaining, the large open floorplan is filled with natural light and showcases elegant finishes throughout. The gourmet kitchen is the heart of the home—featuring quartz countertops, high-end cabinetry, stainless steel appliances, and an oversized island that easily hosts gatherings big and small. With 3 bedrooms and 3 full baths, the layout offers privacy and flexibility for guests, a home office, or multi-generational needs. The owner’s suite is a serene retreat with a spa-inspired bath, dual vanities, and a spacious walk-in closet. Step outside to the lanai and take your lifestyle to the next level with an amazing outdoor kitchen with natural gas grill and PIZZA OVEN, refrigerator and utility sink—ideal for weekend cookouts, game days, and relaxed Florida evenings. The extended, two car garage is 24' deep, offering additional space for storage or extended-length vehicles. Esplanade at Tampa residents enjoy outstanding amenities including a resort-style pool, fitness center, tennis and pickleball courts, walking trails, and an active social calendar—all just minutes from shopping, dining, and major highways. Owners are motivated—schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,301
Sqft
0.18 ac
Lot size
2
Garage
2019
Year built
One
Levels
$272
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.
$4,731 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,731/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−1.6%
$/sqft vs Tampa actives
$272 vs $299
Days on market
122 vs 43 typical
Where $272/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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33647 — neighborhood snapshot
Population
74,919
Median age
37
Median income
$104,775
Median home value
$437,600
Avg household
2.79
Households w/ children
10,222
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 → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
217 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 72% above the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 20161 UMBRIA HILL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$460,000
9210 DAYFLOWER DRIVE
4 bd · 3 ba · 2,314 sqft · $199/sqft · 136 DOM
Sold · Jun ’26$505,000
18302 SAINT JAMES COURT
4 bd · 3 ba · 2,319 sqft · $218/sqft · 43 DOM
Sold · Nov ’25$520,000
9212 SUNFLOWER DRIVE
4 bd · 2 ba · 2,330 sqft · $223/sqft · 22 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 20161 UMBRIA HILL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20161 UMBRIA HILL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20161 UMBRIA HILL DRIVE FAQs
What would the monthly payment be for 20161 UMBRIA HILL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,731/mo — principal and interest, the actual property-tax bill, the $367/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 20161 UMBRIA HILL DRIVE?+
The association fee works out to $367 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20161 UMBRIA HILL DRIVE?+
The most recent tax bill on record (2025) was $7,162. 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 20161 UMBRIA HILL DRIVE?+
The listing reports pets: Yes. 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 $625,000, this home is listed about 39% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20161 UMBRIA HILL DRIVE?+
Wharton High School (high), Turner-Bartels K-8 School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$625,000 runs 72% above the TAMPA 33647 median — but at 2,301 sqft it's also 45% larger than the typical Tampa listing.
02Time on market is leverage
122 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $675,000, now $625,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CONCI, REALTORS · Cyndi Olmstead. MLS #TB8490012.
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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