18115 EMERALD BAY STREET, TAMPA, FL, 33647
Active19 days on marketListed Sep 24, 2026MLS #TB8547323
About this home
18115 EMERALD BAY STREET
Virtually Staged. Set against the natural beauty of Heritage Isles, this spacious One-Story POOL/SPA Residence offers a rare combination of generous living spaces, soaring ceilings, floor-to-ceiling windows, & serene views across the 10th fairway toward preserved Natural Florida Landscape. Light-filled & thoughtfully laid out, the home provides the ease of single-level living without sacrificing the room to spread out, entertain, work, & unwind. Four generously sized bedrooms provide flexibility for family & guests, while the impressive primary retreat offers a true sense of luxury & comfort. The ensuite features a deep jetted soaking tub, walk-in shower, & large walk-in closet, creating a private space to begin and & each day. Tucked away from the heart of the home, the private office includes a built-in desk & shelving, offering a quiet and functional workspace. A guest bath is conveniently accessible to the pool area while the other secondary bath features jack/jill functionality with dual sinks. A generously sized laundry room adds everyday convenience with ample room for an additional refrigerator and bulk storage. Beyond the living spaces, the backyard takes full advantage of the setting. Look across the 10th fairway toward preserved natural landscape & enjoy the sights & sounds of Florida wildlife from the pool or spa. The expansive covered lanai extends the outdoor living area, with a fully powered electric sunshade providing flexible protection from the Florida sun. Recent updates provide added Peace of Mind, including a **2020 roof, 2024 A/C, 2025 water heater, 2021 refrigerator, 2021 washer/dryer, & 2026 dishwasher.** Life in Heritage Isles extends well beyond the walls of the home. Residents enjoy a full collection of LIFESTYLE amenities, including a community clubhouse, Resort-Style Pool with Waterslide, splash pool & lap lanes, tennis courts, playground, sand volleyball, & basketball court. At the center of the community is Heritage Isles Golf & Country Club, a public golf course thoughtfully integrated into Florida's natural landscape. The course is nestled amidst 15 acres of natural wetlands & natural Florida, creating a distinctive setting where manicured fairways meet preserved Florida habitat. Golf is available by single-day play or membership, and BayScape Bistro offers breakfast, lunch, & dinner daily. Community gates close each evening at 9:00 p.m., while remaining open daily for access to the golf course & restaurant, with roving security throughout the community. For those seeking the comfort & convenience of one-story living, spacious rooms, exceptional golf & nature views, & an amenity-rich Florida lifestyle, this Heritage Isles residence offers a setting that is as enjoyable to live in as it is to come home to.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,683
Sqft
0.25 ac
Lot size
3
Garage
2000
Year built
One
Levels
$190
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.
$5,471 /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
$5,471/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
+6.2%
$/sqft vs Tampa actives
$190 vs $289
Days on market
19 vs 64 typical
Where $190/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 Heritage Isles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Heritage Isles — neighborhood snapshot
Population
2,860
Median age
37
Median income
$144,753
Median home value
$437,862
Avg household
3
Households w/ children
483
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)
223 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 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 18115 EMERALD BAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$645,000
10530 PLANTATION BAY DRIVE · same community
4 bd · 2.5 ba · 3,696 sqft · $175/sqft · 12 DOM
Sold · Aug ’26$765,000
18126 EMERALD BAY STREET · same community
4 bd · 3 ba · 3,706 sqft · $206/sqft · 9 DOM
Sold · Aug ’26$675,000
10560 PLANTATION BAY DRIVE · same community
5 bd · 4 ba · 3,394 sqft · $199/sqft · 7 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 18115 EMERALD BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18115 EMERALD BAY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18115 EMERALD BAY STREET FAQs
What would the monthly payment be for 18115 EMERALD BAY STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,471/mo — principal and interest, the actual property-tax bill, the $8/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 18115 EMERALD BAY STREET?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18115 EMERALD BAY STREET?+
The most recent tax bill on record (2025) was $15,165. 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 18115 EMERALD BAY STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $700,000, this home is listed about 61% above the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18115 EMERALD BAY STREET?+
Heritage Elementary School (elementary), Benito Middle School (middle), Wharton 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
$700,000 runs 93% above the TAMPA 33647 median — but at 3,683 sqft it's also nearly twice the size of 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.
03Strong assigned schools
Heritage Elementary School, Benito Middle School, Wharton High School, Patricia Sullivan Metropolitan Ministries Partnership School — Benito Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY · Heather Jaxheimer Mills. MLS #TB8547323.
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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