16308 ROCK LAKE DRIVE, ODESSA, FL, 33556
Active109 days on marketListed Apr 18, 2026MLS #TB8499372
About this home
16308 ROCK LAKE DRIVE
Stunning waterfront views with 220 feet of width and privacy located on a quiet dead end drive conveniently located 10 minutes from the Veterans Expressway. This house originally built in 1972 was partially updated in the 1990s. The bedrooms are all large and the ceilings are high. The exterior of the home has just been renovated. Now is the chance to make the interior yours!! Available for rent or purchase.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
4,342
Sqft
1.46 ac
Lot size
1972
Year built
Two
Levels
$366
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 — not generic estimates.
$11,045 /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
$11,045/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.
$/sqft vs UNPLATTED
$366 vs $300
Days on market
109 vs 43 typical
Where $366/sqft sits among the 187 homes for sale in UNPLATTED
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Odessa market
$725K → $775K
Odessa median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
89 of 187
UNPLATTED have cut their price
Median sold price, Odessa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 141% above the ODESSA 33556 median. See the full Odessa market guide →
Paper trail
This home's history
Reality check
What actually sold near 16308 ROCK LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,450,000
908 PELOTE CEMETERY ROAD · same community
6 bd · 4.5 ba · 3,982 sqft · $364/sqft · 10 DOM
Sold · Dec ’25$640,000
6201 BOB HEAD ROAD · same community
4 bd · 2.5 ba · 3,741 sqft · $171/sqft · 102 DOM
Sold · Dec ’25$1,185,000
8903 DONNA LU DRIVE · same community
3 bd · 2 ba · 2,106 sqft · $563/sqft · 98 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 16308 ROCK LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16308 ROCK LAKE 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
16308 ROCK LAKE DRIVE FAQs
What would the monthly payment be for 16308 ROCK LAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,045/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 16308 ROCK LAKE DRIVE?+
The most recent tax bill on record (2025) was $20,512. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Odessa?+
At $1,590,000, this home is listed about 127% above the Odessa median of $700,000. The market section on this page shows how the area is trending.
Which schools are assigned to 16308 ROCK 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
$1,590,000 runs 141% above the ODESSA 33556 median — but at 4,342 sqft it's also 66% larger than the typical Odessa listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
109 days on market against a Odessa median of 43 — sellers in this position are usually ready to negotiate.
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.
Keep looking
Similar homes nearby
Listing courtesy of MAMONTOFF & ASSOCIATES INC · Nadine Mamontoff. MLS #TB8499372.
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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