CENTURY 21 Edge
$779,000$799,0004 bd3 ba3,117 sqft$250 /sqft$5,667 /mo all-in ↓

20117 UMBRIA HILL DRIVE, TAMPA, FL, 33647

Active34 days on marketListed Jul 8, 2026MLS #TB8519947

Reduced $20KSingle Family ResidenceESPLANADE OF TAMPA PH 2C A

About this home

20117 UMBRIA HILL DRIVE

Perfectly positioned on a breathtaking conservation homesite, this spacious Pallazio floor plan by Taylor Morrison offers a rare combination of privacy, luxury, and resort-style living. Beautifully maintained home featuring 4 bedrooms + den + 3 full baths, and 3,117 square feet of living space with an open-concept layout and built-in audio system is ideal for both everyday living and entertaining. The home's impressive curb appeal with brick paver driveway, walkway and plush landscape and lighting leading to the grand double-door entry, creating a welcoming and elegant arrival experience. Inside, you'll find a home rich in architectural detail, including 8-foot interior doors, 5¼-inch baseboards, 3¼-inch door casings, tray ceilings, recessed lighting, and upgraded designer chandeliers that elevate the home's upscale style. At the heart of the home is the gourmet kitchen featuring bright quartz countertops, upgraded wood cabinetry, and a large walk-in pantry. Premium stainless-steel appliances include a counter-depth French-Door Refrigerator, GE Cafe built-in stacked microwave/oven and convection oven with Air Fryer and a gas cooktop. A wine cooler in the island plus a beautifully custom dry bar in the living area further enhancing the home's entertaining capabilities. The spacious gathering room flows seamlessly into the gourmet kitchen and dining area. Large format upgraded 24" x 24" tile extends throughout the main living areas, offering both beauty and durability. The luxurious owner's suite features elegant, engineered wood flooring and a spacious, spa-inspired bathroom designed for ultimate relaxation. The oversized seamless glass walk-in shower, complete with dual shower heads and dual built-in shower seats, creates a true resort-style experience. Expansive dual vanities, a dedicated makeup vanity, and a custom-designed walk-in closet provide exceptional functionality while blending luxury, comfort, and high-end design. Engineered wood flooring in the front bedroom, adding elegance, and timeless appeal to two of the home's most desirable spaces. Designed for convenience as well as luxury, the home also features a large interior laundry room with ample workspace and cabinetry, extended two-car garage with water softener system and Termite control system. The centerpiece of the home is the spectacular outdoor living area. Overlooking a serene conservation setting with no rear neighbors, the expansive 17' x 30' extended lanai is enhanced by a panoramic screen enclosure showcasing unobstructed views of nature offering pre-plumbed setup for a kitchen. This exceptional outdoor retreat provides the perfect setting for relaxing while enjoying Florida's sunshine. Combining elegant design, thoughtful upgrades, exceptional indoor-outdoor living, this remarkable home offers a rare opportunity to enjoy the very best of the Esplanade lifestyle. Beyond the home itself, residents enjoy the exceptional lifestyle offered by Esplanade of Tampa, a premier gated, HOA maintenance-free community with no-CDD known for its beautiful tile-roof homes, resort-style amenities, and vibrant social atmosphere. Residents have access to a stunning clubhouse featuring an active lifestyle and entertainment program, a resort-style pool and spa, tennis court, pickleball courts, bocce ball courts, a fitness center, fire pit gathering areas, and scenic walking and nature trails. Esplanade is minutes from premier shopping, exceptional dining, entertainment and hospitals.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,117

Sqft

0.21 ac

Lot size

2

Garage

2019

Year built

One

Levels

$250

Per sqft

Trees/Woods viewNegotiable

Inside

FlooringCarpet · Ceramic Tile · Engineered Hardwood · Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Exhaust Fan · Microwave · Refrigerator · Tankless Water Heater · Water Softener · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Dry Bar · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionConcrete · Stone · Stucco
FoundationSlab
ViewTrees/Woods
FacesSouthwest
ParkingDriveway · Oversized
ExteriorHurricane Shutters · Irrigation System · Lighting · Other · Rain Gutters · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$372/mo
Taxes (2025)$7,677/yr
PetsCats OK, Dogs OK
CommunityAssociation Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Golf Carts OK · No Truck/RV/Motorcycle Parking · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Fire Hydrant · Natural Gas Available · Natural Gas Connected · Phone Available · Sewer Available · Sewer Connected · Sprinkler Meter · Street Lights
WaterPublic

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.

$5,667 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,203
PMI (est., until 20% equity)$292
Property tax — 2025 actual bill$640
HOA fee — from the listing$372
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $77,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $77,900
Interest rate6.00%
Loan term

Estimated payment

$5,667/mo

Principal & interest$4,203
PMI (est., until 20% equity)$292
Property taxes (actual bill)$640
HOA / condo fee$372
Est. insurance$160

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.

List $779K
$603KedgeAI estimate $631,305 · range $628K$637K$810K

vs edgeAI estimate

+23.4%

$/sqft vs Tampa actives

$250 vs $299

Days on market

34 vs 43 typical

Where $250/sqft sits among the 400 Tampa actives

219 · this home
103
31
14
9
24
$154–313$313–472$472–631$631–789$789–948$948+

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

Map of 20117 UMBRIA HILL DRIVE

Drive times from this address

Downtown Tampa33 min
Tampa Int’l Airport (TPA)44 min

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

HighWharton High School★★★★★
ElementaryTurner-Bartels K-8 School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$413K$430K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

213 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 113% above the TAMPA 33647 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $779,000 $20K
Jul 8, 2026Listed at $799,000 · 34 days on market since
2019Built · ESPLANADE OF TAMPA PH 2C A

Reality check

What actually sold near 20117 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.

8723 SORANO VILLA DRIVESold · Mar ’26

$674,000

8723 SORANO VILLA DRIVE · same community

3 bd · 3 ba · 2,925 sqft · $230/sqft · 13 DOM

20170 UMBRIA HILL DRIVESold · Mar ’26

$815,000

20170 UMBRIA HILL DRIVE · same community

3 bd · 3.5 ba · 2,840 sqft · $287/sqft · 0 DOM

8717 SORANO VILLA DRIVESold · Mar ’26

$639,000

8717 SORANO VILLA DRIVE · same community

3 bd · 3 ba · 2,332 sqft · $274/sqft · 10 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.

Jasmine Ince

Your agent

Jasmine Ince

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 20117 UMBRIA HILL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20117 UMBRIA HILL DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

20117 UMBRIA HILL DRIVE FAQs

What would the monthly payment be for 20117 UMBRIA HILL DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,667/mo — principal and interest, the actual property-tax bill, the $372/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 20117 UMBRIA HILL DRIVE?+

The association fee works out to $372 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 20117 UMBRIA HILL DRIVE?+

The most recent tax bill on record (2025) was $7,677. 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 20117 UMBRIA HILL DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 $779,000, this home is listed about 73% above the Tampa median of $449,900. The market section on this page shows how the area is trending.

Which schools are assigned to 20117 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

$779,000 runs 113% above the TAMPA 33647 median — but at 3,117 sqft it's also nearly twice the size of the typical Tampa listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $799,000, now $779,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of DALTON WADE INC · Rosa Rynard. MLS #TB8519947.

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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20117 UMBRIA HILL DRIVE, TAMPA, FL — 4 Bed, 3 Bath — $779,000 | CENTURY 21 Edge