Ryland Lock
$810,0004 bd3 ba2,732 sqft$296 /sqft$5,465 /mo all-in ↓

16215 IVY LAKE DRIVE, ODESSA, FL, 33556

Active1 days on marketListed Aug 15, 2026MLS #TB8534918

WaterfrontSingle Family ResidenceIVY LAKE ESTATES

About this home

16215 IVY LAKE DRIVE

Virtually Staged. Tucked along the shores of Ivy Lake, this 2,732-square-foot home offers something that's becoming increasingly difficult to find: **space, privacy, and a backyard you'll actually use.** Situated on an oversized .37-acre lakefront lot (but NOT in a FLOOD ZONE!) with water views, lake access, and a fully fenced yard, you'll have plenty of room for family, pets, entertaining, or simply enjoying the peaceful, serene setting from the fire pit or the screened in lanai. Inside, the home features four bedrooms, three full bathrooms, a separate office (which could easily be a 5th bedroom), and a floor plan that offers flexibility for just about every stage of life. The rich **teak hardwood floors**—a premium, high-end hardwood rarely found in today's homes—add warmth and character throughout all the main living areas, while soaring ceilings and crown molding create an open, inviting feel. A formal living and dining room provide space for holidays and entertaining, while the kitchen and family room come together as the heart of the home for everyday living. Notably the fourth bedroom, located just off the family room, has its own private entrance and updated full bath. Whether you need an in-law suite, space for an adult child, guest quarters, or even a home business, this room gives you options that most homes simply don't offer. A separate laundry room with additional storage only adds to the home's practicality. Step outside and you'll immediately understand why this home is so special. The oversized screened lanai features a fully equipped outdoor kitchen, and overlooks the lake—making it the perfect place to host family and friends or simply unwind at the end of the day. Just beyond, the expansive fenced backyard offers a pavered pathway to the firepit, direct lake access, and room to add a pool, launch a kayak, play with 4-legged family, or enjoy the open green space. The renovated cabana bath allows guests to come and go from the backyard without ever needing to walk through the house. Beyond the beauty of the home, you'll also appreciate the thoughtful upgrades that make everyday living more efficient and reliable. The **cooktop, ovens, heating system, dryer, and whole-house generator are all powered by natural gas**, providing dependable performance when you need it most. The home is also equipped with **solar panels that currently generate enough electricity to power the entire home**, offering exceptional energy efficiency and helping keep utility costs low. Completing the property is a spacious three-car garage equipped with a mud sink and plenty of room for vehicles, storage, and hobbies. Roof 2024, HVAC 2023, Water Heater 2021. Lakefront homes with an oversized fenced lot, premium finishes, energy-efficient upgrades, and this much flexibility don't come along very often. Add in the premier location: minutes from schools, daycare, shopping and the Suncoast Hwy, and 16215 Ivy Lake Drive isn't just another home on the market—it's the kind of property that becomes harder to replace once it's gone!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,732

Sqft

0.37 ac

Lot size

3

Garage

2004

Year built

One

Levels

$296

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Heat Pump · Natural Gas

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · Off Street
ExteriorGarden · Irrigation System · Lighting · Outdoor Kitchen · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors

Community & fees

HOA fee$145/mo
Taxes (2025)$5,822/yr
PetsYes
CommunityLake · Water Access · Waterfront · Association Recreation - Owned · Deed Restrictions · Gated Community - No Guard · Park · Playground · Sidewalks · Special Community Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
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.

$5,465 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,371
PMI (est., until 20% equity)$304
Property tax — 2025 actual bill$485
HOA fee — from the listing$145
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $81,000Loan30-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% · $81,000
Interest rate6.00%
Loan term

Estimated payment

$5,465/mo

Principal & interest$4,371
PMI (est., until 20% equity)$304
Property taxes (actual bill)$485
HOA / condo fee$145
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 $810K
$447KedgeAI estimate $522,758 · range $465K$666K$842K

vs edgeAI estimate

+54.9%

$/sqft vs Odessa actives

$296 vs $273

Days on market

1 vs 51 typical

Where $296/sqft sits among the 194 Odessa actives

87
60 · this home
16
7
11
13
$183–263$263–343$343–424$424–504$504–584$584+

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 Odessa

Map of 16215 IVY LAKE DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)30 min
Downtown Tampa34 min

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

Get to know Odessa. See the full Odessa guide →

ODESSA 33556 — neighborhood snapshot

Population

34,045

Median age

40.9

Median income

$151,034

Median home value

$589,700

Avg household

2.93

Households w/ children

4,581

For the school run

Hillsborough County School District

HighSteinbrenner High School★★★★
MiddleMartinez Middle School★★★★★
ElementaryHammond Elementary School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Odessa market

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

$725K$698K

Odessa median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

116 of 194

Odessa actives have cut their price

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

This home is listed 21% above the ODESSA 33556 median. See the full Odessa market guide →

Paper trail

This home's history

Aug 15, 2026Listed at $810,000 · 1 days on market since
2004Built · IVY LAKE ESTATES

Reality check

What actually sold near 16215 IVY LAKE DRIVE

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

16501 NIKKI LANESold · May ’26

$650,000

16501 NIKKI LANE · same community

5 bd · 3 ba · 2,836 sqft · $229/sqft · 50 DOM

16106 RAMBLING ROADSold · Nov ’25

$660,000

16106 RAMBLING ROAD · same community

4 bd · 3 ba · 2,626 sqft · $251/sqft · 65 DOM

16219 IVY LAKE DRIVESold · Jan ’26

$854,800

16219 IVY LAKE DRIVE · same community

4 bd · 3 ba · 2,865 sqft · $298/sqft · 26 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.

Ryland Lock

Your agent

Ryland Lock

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 16215 IVY LAKE 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 16215 IVY LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Ryland's phone and CRM.

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Straight answers

16215 IVY LAKE DRIVE FAQs

What would the monthly payment be for 16215 IVY LAKE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,465/mo — principal and interest, the actual property-tax bill, the $145/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 16215 IVY LAKE DRIVE?+

The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 16215 IVY LAKE DRIVE?+

The most recent tax bill on record (2025) was $5,822. 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 16215 IVY LAKE 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 Odessa?+

At $810,000, this home is listed about 14% above the Odessa median of $710,000. The market section on this page shows how the area is trending.

Which schools are assigned to 16215 IVY LAKE DRIVE?+

Steinbrenner High School (high), Martinez Middle School (middle), Hammond Elementary 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

Four things that matter here

01Positioned at the premium end

$810,000 runs 21% above the ODESSA 33556 median.

02Waterfront living

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

03Fresh on the market

Only 1 day on market in a Odessa market that averages 51 — if it fits, move quickly.

04Strong assigned schools

Steinbrenner High School, Martinez Middle School, Hammond Elementary School, Patricia Sullivan Metropolitan Ministries Partnership School — Steinbrenner High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of REAL BROKER, LLC · Melissa Pranzo. MLS #TB8534918.

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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