CENTURY 21 Edge

10734 OSPREY LANDING WAY, THONOTOSASSA, FL, 33592

Active30 days on marketListed Aug 21, 2026MLS #TB8529300

WaterfrontSTONELAKE RANCH PHASE 2

About this home

10734 OSPREY LANDING WAY

An exceptional opportunity awaits to build your dream luxury estate on a pristine 1.8-acre canal-front lot in the prestigious, 24/7 guard-gated community of Stonelake Ranch. Situated along a primary deep-water canal, this southeast-facing parcel offers idyllic, uninterrupted water views framing natural wetlands, lush native foliage, and soaring bald cypress trees. Favorable elevation on this expansive homesite opens distinct architectural possibilities for a walkout basement design or a sprawling custom multi-level residential retreat. Water enthusiasts and avid boaters will deeply appreciate the incredible prime location featuring tremendous potential for a private custom boat dock right in your own backyard, providing direct, navigable water access straight into Lake Thonotosassa—Hillsborough County’s largest all-sports freshwater lake spanning 880 picturesque acres, perfectly suited for powerboating, waterskiing, wakeboarding, jet skiing, tubing, and world-class trophy bass fishing. Encompassing 680 total acres of rolling countryside, Stonelake Ranch is limited to just 160 exclusive estate sites, ensuring unmatched low-density privacy, seclusion, and open green space. Residents enjoy access to a comprehensive suite of world-class, resort-style amenities, anchored by the magnificent community Lakeside Lodge clubhouse. The Lodge features broad wraparound porches, gathering spaces, a social kitchen for private events, a fully equipped state-of-the-art fitness center, a private community boat ramp, and extensive dock access. Step outside to explore Hendry Lake, a private 37-acre non-motorized waterfowl sanctuary located within the community that serves as an ideal setting for tranquil morning kayaking, canoeing, and paddleboarding. As an equestrian-friendly enclave, community zoning permits up to one horse per acre, fully supported by over 240 acres of dedicated common area, open meadows, and an extensive network of 40-foot-wide fenced riding and walking trails winding throughout the countryside. Beyond these extraordinary internal luxuries, Stonelake Ranch offers exceptional regional convenience and connectivity. Located within short walking distance to the Lakeside Lodge, this lot balances peaceful rural seclusion with effortless access to the entire Tampa Bay metropolitan area. Quick travel times to major corridors like Interstate 75 and Interstate 4 put key business and cultural hubs within easy reach: Downtown Tampa, the University of South Florida campus, and Moffitt Cancer Center are all just 20 to 25 minutes away. Everyday suburban essentials, including premier grocery options like Publix, local dining, medical clinics, and top-rated regional public and private schools, are conveniently located within 10 to 15 minutes of your front gate. Furthermore, world-class Gulf Coast beaches, Tampa International Airport (TPA), Tampa Executive Airport, major sports arenas, and Orlando’s world-famous theme parks and attractions are comfortably accessible for weekend getaways. Builder appointments are readily available with Stonelake Ranch Approved Builders to help design and bring your personalized architectural vision to reality. Current real estate property taxes reflect land value only. *Use Stonelake Gate address to navigate to property: 10400 Oak Canopy Jct, Thonotosassa, FL 33592 then the property address: 10734 Osprey Landing Way, Thonotosassa, FL 33592.

Facts & features

The home at a glance

1.81 ac

Lot size

WaterfrontPets allowed

Inside

Outside & construction

FacesSoutheast

Community & fees

HOA fee$750/mo
Taxes (2025)$8,598/yr
PetsYes
CommunityCommunity Boat Ramp · Fishing · Lake · Water Access · Waterfront · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Horses Allowed · Playground · Tennis Court(s) · Waterfront Complex

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Propane · Underground Utilities
WaterWell Required

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.

$7,109 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property tax — 2025 actual bill$717
HOA fee — from the listing$750
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $95,000Loan30-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% · $95,000
Interest rate6.00%
Loan term

Estimated payment

$7,109/mo

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property taxes (actual bill)$717
HOA / condo fee$750
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.

Where it sits

Inside Thonotosassa

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)42 min
Walt Disney World67 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Thonotosassa. See the full Thonotosassa guide →

THONOTOSASSA 33592 — neighborhood snapshot

Population

11,931

Median age

42.5

Median income

$65,683

Median home value

$247,900

Avg household

2.78

Households w/ children

1,168

For the school run

Hillsborough County School District

ElementaryThonotosassa Elementary School★★★★★
MiddleJennings Middle School★★★★
HighArmwood High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Thonotosassa market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s market

$480K$459K

Thonotosassa median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

Median sold price, Thonotosassa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 105% above the THONOTOSASSA 33592 median. See the full Thonotosassa market guide →

Paper trail

This home's history

Aug 21, 2026Listed at $950,000 · 30 days on market since

Reality check

What actually sold near 10734 OSPREY LANDING WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12706 MCINTOSH ROADSold · May ’26

$425,000

12706 MCINTOSH ROAD

4 bd · 2 ba · 1,725 sqft · $246/sqft · 171 DOM

12136 MCINTOSH ROADSold · Jun ’26

$738,000

12136 MCINTOSH ROAD

3 bd · 2 ba · 2,664 sqft · $277/sqft · 260 DOM

11204 LAKE SASSA DRIVESold · Dec ’25

$695,000

11204 LAKE SASSA DRIVE

4 bd · 2.5 ba · 2,679 sqft · $259/sqft · 122 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.

Tyler Stoddard

Your agent

Tyler Stoddard

REALTOR · CENTURY 21 Edge

Tours, negotiation, and every question about 10734 OSPREY LANDING WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10734 OSPREY LANDING WAY — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

10734 OSPREY LANDING WAY FAQs

What would the monthly payment be for 10734 OSPREY LANDING WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,109/mo — principal and interest, the actual property-tax bill, the $750/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 10734 OSPREY LANDING WAY?+

The association fee works out to $750 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10734 OSPREY LANDING WAY?+

The most recent tax bill on record (2025) was $8,598. 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 10734 OSPREY LANDING WAY?+

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 Thonotosassa?+

At $950,000, this home is listed about 104% above the Thonotosassa median of $465,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10734 OSPREY LANDING WAY?+

Thonotosassa Elementary School (elementary), Jennings Middle School (middle), Armwood 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

Three things that matter here

01Positioned at the premium end

$950,000 runs 105% above the THONOTOSASSA 33592 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Know the monthly fee

The association fee is $750/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

Listing courtesy of ENGEL & VOLKERS TAMPA DOWNTOWN · Virginia Torres Bond. MLS #TB8529300.

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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10734 OSPREY LANDING WAY, THONOTOSASSA, FL — $950,000 | CENTURY 21 Edge