4326 SPINNAKER COVE LANE, TAMPA, FL, 33615
Active142 days on marketListed Mar 26, 2026MLS #TB8490346
About this home
4326 SPINNAKER COVE LANE
Welcome to one of the most beautiful water access communities in Tampa Bay. This amazing upgraded Spinnaker townhome offers the perfect blend of luxury, convenience, and outdoor waterfront living. This spacious and open floor plan showcases beautiful porcelain floors throughout the second floor, charcoal floors throughout the master suite, and an abundance of natural light throughout. The elegant living room boasts large windows, custom drapes and electronic blinds. The kitchen is a chefs delight with quartz countertops, stainless steel appliances, beautiful cabinetry, and a convenient breakfast bar. The master suite is a peaceful retreat featuring beautiful and tranquil water views and the master bath is a spa-like haven with dual vanities, jacuzzi tub, and enclosed glass shower. Spinnaker Cove offers a host of amenities, including a community pool, clubhouse, and a prime location with easy access to the Tampa International airport, Tampa's vibrant downtown, world class dining and our beautiful Gulf beaches. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,540
Sqft
0.04 ac
Lot size
2
Garage
2005
Year built
Three Or More
Levels
$258
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.
$5,208 /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
$5,208/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.
$/sqft vs Tampa actives
$258 vs $301
Days on market
142 vs 42 typical
Where $258/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 33615 — neighborhood snapshot
Population
48,122
Median age
39.1
Median income
$66,257
Median home value
$291,500
Avg household
2.53
Households w/ children
5,459
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)
228 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 102% above the TAMPA 33615 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4326 SPINNAKER COVE 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$720,000
8708 NAUTICAL VIEW COURT · same community
3 bd · 3.5 ba · 2,540 sqft · $283/sqft · 28 DOM
Sold · Aug ’25$589,000
4339 SPINNAKER COVE LANE
3 bd · 3.5 ba · 2,540 sqft · $232/sqft · 146 DOM
Sold · Feb ’26$715,000
4302 DEEPWATER LANE
4 bd · 2.5 ba · 2,594 sqft · $276/sqft · 391 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4326 SPINNAKER COVE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4326 SPINNAKER COVE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4326 SPINNAKER COVE LANE FAQs
What would the monthly payment be for 4326 SPINNAKER COVE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,208/mo — principal and interest, the actual property-tax bill, the $615/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 4326 SPINNAKER COVE LANE?+
The association fee works out to $615 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4326 SPINNAKER COVE LANE?+
The most recent tax bill on record (2025) was $7,831. 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 4326 SPINNAKER COVE LANE?+
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 $655,000, this home is listed about 46% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4326 SPINNAKER COVE LANE?+
Bay Crest Elementary School (elementary), Webb Middle School (middle), Alonso 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
Five things that matter here
01Positioned at the premium end
$655,000 runs 102% above the TAMPA 33615 median — but at 2,540 sqft it's also 60% larger than the typical Tampa listing.
02Know the monthly fee
The association fee is $615/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
142 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Bay Crest Elementary School, Webb Middle School, Alonso High School, Patricia Sullivan Metropolitan Ministries Partnership School — Alonso High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $675,000, now $655,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GULF SHORES REALTY ERA POWERED LLC · Randy Zabukovec. MLS #TB8490346.
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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