
20163 UMBRIA HILL DRIVE, TAMPA, FL, 33647
Active18 days on marketListed Sep 24, 2026MLS #TB8551015
About this home
20163 UMBRIA HILL DRIVE
Taylor Morrison Santini model, built in 2019 as the community showcase at 20163 Umbria Hill Drive in Esplanade of Tampa. Mediterranean Elevation B. Builder options total $180,121, plus a $23,000 outdoor lanai package added by the owner—more than $203,000 in upgrades on a homesite that backs a wildlife preservation area. The full options report is attached.The house is set up for how people actually live here. An open great room and gourmet kitchen run together under tray ceilings and crown molding, with 8-foot doors, Level 4 tile, and a wall of corner pocket sliders that stack away so the café opens onto the paver lanai. The kitchen is the reason this was the model: 42-inch white cabinets with crown, Level 5 counters, a large island, 36-inch cooktop, designer hood, built-in wall oven, dishwasher, wine refrigerator, butler’s pantry, drop zone at the garage, and a dedicated dry bar. The primary suite has the bay-window option, tray ceiling, dual vanities with Level 5 counters, a brushed-nickel shower enclosure, and a closet that opens to a laundry with cabinet storage and a tub sink. There is also air-conditioned attic storage with stair access from the garage, upgraded lighting and home technology, and a third bedroom in lieu of a den.Outside, the covered extended lanai has pavers, a gas fireplace, and ceiling fans, with summer-kitchen rough-in already in place. Lawn care and herbicide are included in the HOA. Esplanade’s amenity campus covers a clubhouse and fitness center, resort pool, tennis, bocce, pickleball, fire pit, dog park, events lawn, and trails. The location is New Tampa at its most practical: minutes from The Shops at Wiregrass, Tampa Premium Outlets, restaurants, bars, golf, AdventHealth, BayCare, Orlando Health, and the new Johns Hopkins campus. Call for a private showing.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,273
Sqft
0.18 ac
Lot size
2
Garage
2018
Year built
One
Levels
$286
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.
$5,115 /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
$5,115/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
+20.7%
$/sqft vs Tampa actives
$286 vs $283
Days on market
18 vs 64 typical
Where $286/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)
225 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 83% above the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 20163 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$725,000
20011 UMBRIA HILL DRIVE · same community
3 bd · 3 ba · 2,274 sqft · $319/sqft · 0 DOM
Sold · Mar ’26$639,000
8717 SORANO VILLA DRIVE · same community
3 bd · 3 ba · 2,332 sqft · $274/sqft · 10 DOM
Sold · Jul ’26$534,000
20158 UMBRIA HILL DRIVE · same community
2 bd · 2.5 ba · 2,201 sqft · $243/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.
Your agent
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20163 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 20163 UMBRIA HILL DRIVE — 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
20163 UMBRIA HILL DRIVE FAQs
What would the monthly payment be for 20163 UMBRIA HILL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,115/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 20163 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 20163 UMBRIA HILL DRIVE?+
The most recent tax bill on record (2025) was $10,040. 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 20163 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 $649,999, this home is listed about 49% above the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20163 UMBRIA HILL DRIVE?+
Turner-Bartels K-8 School (elementary), 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Pauline Meredith. MLS #TB8551015.
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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