18178 SANDY POINTE DRIVE, TAMPA, FL, 33647
Active22 days on marketListed Jul 2, 2026MLS #O6422026
About this home
18178 SANDY POINTE DRIVE
Virtually Staged. NO EXPENSIVE FLOOD INSURANCE (NOT AE ZONE), NO SINKHOLE, LOWEST HOA FEE OF $8/MONTH, NO HOUSE OR NOISY STREET OR HIGHWAY 75 BEHIND BUT A BEAUTIFUL GOLF COURSE, THIS POOL HOME WITH 3 CAR GARAGE IN A GOLF AND COUNTRY CLUB GATED COMMUNITY OF NEW TAMPA, THIS'S THE HOUSE IF YOU DON'T WANT TO PAY MORE THAN $100 OR EVEN MORE THAN $200 EVERY MONTH EXTRA AS HOA FEE ON TOP OF YOUR MORTGAGE, DON'T WANT TO GIVE YOUR MONEY TO HOA (HOMEOWNER ASSOCIATION) AS HOA FEE BUT USE IT FOR YOUR MORTGAGE, AND STILL WANT TO LIVE IN A NICE GATED GOLF COMMUNITY THAT HAS ALL AMENITIES TO ENJOY! SCENIC LOCATION OVERLOOKING THE BEAUTIFUL GOLF COURSE, CONSERVATION AREA AND TRANQUIL PONDS. 2880+SF, 4BR + 1 DEN, 3 FULL BATH, 3-CAR GARAGE, POOL WITH SPA, EXPENSIVE NEW ROOF (ATTACHED LIFETIME MATERIAL & 5-YEAR LABOR WARRANTY TRANSFRABLE). THIS'S A GREAT DEAL FOR SIMILAR POOL HOUSE IN WHOLE NICE NEW TAMPA AREA. THE HOUSE HAS ALL YOU WANTED. Heritage Isles Golf and Country Club Community features include gated security, golf course with hydro golf range, water park with lap pool and water slide, tennis and basketball courts, playground, fitness complex, sauna, clubhouse, library and restaurant with the lowest HOA fee of only $100/year in whole New Tampa area, good school system, very close to everything like interstate, shopping mall, premium outlets, restaurants, hospital, sport fields, library and schools etc., expensive double glass door entry, very high ceiling gives you bright light, flowing air and very comfortable feeling. a huge great room as well as formal living and dining rooms, spacious kitchen with ample cabinet and counterspace. travertine and real solid wood floor throughout, granite countertop with stainless steel sink with pull off faucet and appliances. Exterior paint was done in a few years ago, neutral interior color and upgraded flooring with tile, new fans and lights.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,837
Sqft
0.14 ac
Lot size
3
Garage
2000
Year built
Two
Levels
$211
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.
$4,428 /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
$4,428/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
−0.9%
$/sqft vs Tampa actives
$211 vs $305
Days on market
22 vs 33 typical
Where $211/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
$430K → $455K
Tampa median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
179 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 52% above the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 18178 SANDY POINTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$580,000
18005 MALAKAI ISLE DRIVE
4 bd · 3.5 ba · 2,888 sqft · $201/sqft · 130 DOM
Sold · Dec ’25$729,000
10411 CORY LAKE DRIVE
4 bd · 3.5 ba · 2,891 sqft · $252/sqft · 6 DOM
Sold · May ’26$645,000
10209 WATERSIDE OAKS DRIVE
4 bd · 3 ba · 2,891 sqft · $223/sqft · 190 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18178 SANDY POINTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18178 SANDY POINTE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
18178 SANDY POINTE DRIVE FAQs
What would the monthly payment be for 18178 SANDY POINTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,428/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 18178 SANDY POINTE DRIVE?+
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 18178 SANDY POINTE DRIVE?+
The most recent tax bill on record (2025) was $9,568. 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 18178 SANDY POINTE 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 $599,990, this home is listed about 29% above the Tampa median of $464,900. The market section on this page shows how the area is trending.
Which schools are assigned to 18178 SANDY POINTE DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$599,990 runs 52% above the TAMPA 33647 median — but at 2,837 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.
04The price has already moved
Listed at $614,990, now $599,990 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CAPITAL HOMES INC · Yun Cui. MLS #O6422026.
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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