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4326 Spinnaker Cove Ln, Tampa, FL, 33615

3beds
4baths
2,540sqft
$655,000
$258price/sqft
$4,623/moest. monthly cost
$184,920/yrincome needed

About This Home

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.

Getting Around

11
WalkingCar-Dependent
9
TransitMinimal Transit
30
BikeSomewhat Bikeable

Schools

2/10
3/10
Webb Middle SchoolGrades 6-81.9 mi
6/10
Alonso High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Inside

Bedroom1

  • Features: No Closet
  • Level: Third

Bedroom2

  • Features: No Closet
  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),High Ceilings,Open Floorplan
  • Flooring: Porcelain Tile,Tile,Hardwood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,518
  • Total interior livable area: 2,540 sqft

Kitchen

  • Level: Second

Living Room

  • Level: Second

Primary Bedroom

  • Features: No Closet
  • Level: Third

Property

Details

  • Parcel number: U11291764200000900007.0
  • Zoning: PD
  • Special condition: None

Features

  • Levels: Three Or More
  • Stories: 3
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Bay/Harbor - Partial
  • Has water view: Yes
  • Water view: Bay/Harbor - Partial
  • Waterfront features: Bay/Harbor Access,Saltwater Canal Access,Lift

Lot

  • Lot size: 1,683 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Heat Wave
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Hillsborough County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,312$39,744
Home Insurance *$259$3,108
Property Taxes $797$9,564
Electricity $255$3,067
Total$4,623$55,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,502/yr
40% on housing$138,690/yr
45% on housing$123,280/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 33615$224
Hillsborough County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 33615$272
Hillsborough County$231

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-26Listed for sale$675,000
2024-02-27Listing removed$618,500
2024-01-03Sold$725,000
2021-10-28Sold$618,500
2021-09-23Pending sale$618,500
2021-09-23Listed for sale$618,500
2020-09-19Sold$390,000
2020-08-09Pending sale$325,000
2020-07-17Listed for sale$325,000
2017-02-11Listing removed$470,000
2016-10-24Price change$470,000
2016-09-09Listed for sale$475,000
2013-12-06Sold$335,000
2013-08-28Listed for sale$349,000
2009-12-17Sold$320,000
2008-08-31Listing removed$525,000
2008-05-29Listed for sale$525,000
2005-06-22Sold$432,300

For Sale by Agent

AgentRandy Zabukovec
BrokerageGULF SHORES REALTY ERA POWERED LLC

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