David Ramirez
$999,000$1,075,0003 bd3 ba2,372 sqft$421 /sqft$6,267 /mo all-in ↓

19801 GUNN HIGHWAY, ODESSA, FL, 33556

Active78 days on marketListed May 19, 2026MLS #TB8508080

Reduced $76KWaterfrontSingle Family ResidenceUNPLATTED

About this home

19801 GUNN HIGHWAY

Experience the beauty and tranquility of Odessa while enjoying an ideal location near the Veterans Expressway, shopping, dining, and within the highly sought-after Steinbrenner school district! Situated on the peaceful west end of ski-sized Lake Osceola, this one-of-a-kind custom-built lakefront home offers breathtaking views, refreshing breezes beneath majestic cypress trees, and the perfect blend of privacy and recreation. Surrounded by swaying palm trees and fully fenced for added seclusion, this tropical-inspired property invites you to relax and unwind. Wake up to stunning sunrises from the expansive second-floor wraparound deck and enjoy nature at its finest with frequent sightings of otters, owls, hawks, and incredible bass fishing right from your backyard. Boating enthusiasts will love direct access to the lake, complete with a gorgeous composite boathouse and boat lift. For gardening enthusiasts, the property features a 12’ x 30’ organic garden—perfect for growing fresh vegetables, herbs, and flowers year-round. Whether you are searching for a peaceful vacation retreat or the perfect place to raise a family, this meticulously maintained home offers a rare opportunity to create lasting memories. Lovingly cared for by only two families since it was built in 1981, pride of ownership shines throughout. Inside, vaulted wood ceilings with original cedar beams adorn the second floor. Panoramic lake views from every main living area create a warm and inviting atmosphere and a serene backdrop throughout the home. The beautifully renovated kitchen features stunning cabinetry, sleek quartz countertops, and newer stainless-steel appliances, seamlessly opening to the spacious second-floor living area—ideal for entertaining and everyday living while enjoying picturesque lake views. Additional kitchen features include pull-out pantry drawers, a custom hood vented to the exterior, a corner Lazy Susan, a built-in spice rack, farmhouse sink, pull-out trash and recycling bins, and a mixer lift designed for the avid baker in mind. The thoughtfully designed floor plan includes a private third-floor primary suite, while two additional bedrooms are located on the second floor for comfort and convenience. An open-air loft on the third floor provides flexible space perfect for a home office, playroom, or additional lounge area overlooking the water. Three updated bathrooms, one on each floor, add functionality for family and guests alike. Outdoor living is equally impressive, with more than 300 square feet of covered entertaining space leading to a beautifully paved firepit area overlooking Lake Osceola—perfect for gathering with family and friends year-round. Extensive updates and improvements include: • New roof (2022) • Exterior Hardie board siding (2022) • Fully remodeled kitchen (2022) • Fresh interior paint • New peroxide water softener • Newly built outdoor staircases and deck railings • Fresh driveway rock • Newly installed fencing with entrance gate • Large custom-built storage shed with workbench • Composite boathouse with boat lift • Remodeled garage with new concrete floor coating • New septic pump and septic alarm • New air conditioner compressor (2026) This exceptional lakefront property combines natural beauty, thoughtful upgrades, and an unbeatable location in one of Odessa’s most desirable communities. Don’t miss your opportunity to own this truly special home!

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,372

Sqft

0.3 ac

Lot size

1

Garage

1981

Year built

Three Or More

Levels

$421

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl · Hardwood
AppliancesCooktop · Dishwasher · Dryer · Electric Water Heater · Ice Maker · Range · Range Hood · Refrigerator · Washer · Water Filtration System · Water Purifier · Water Softener
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat
LaundryIn Garage
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Cement Siding · HardiPlank Type · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingCovered · Driveway · Garage Door Opener · Garage Faces Side · Ground Level
ExteriorBalcony · Fire Pit · Garden · Lighting · Private Mailbox · Private Yard · Rain Barrel/Cistern(s) · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,102/yr
PetsYes
CommunityLake

Utilities & systems

UtilitiesElectricity Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,267 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,391
PMI (est., until 20% equity)$375
Property tax — 2025 actual bill$342
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,900Loan30-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% · $99,900
Interest rate6.00%
Loan term

Estimated payment

$6,267/mo

Principal & interest$5,391
PMI (est., until 20% equity)$375
Property taxes (actual bill)$342
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 $999K
$596KedgeAI estimate $683,624 · range $621K$709K$1.0M

vs edgeAI estimate

+46.1%

$/sqft vs UNPLATTED

$421 vs $300

Days on market

78 vs 46 typical

Where $421/sqft sits among the 188 homes for sale in UNPLATTED

104
32 · this home
18
13
5
16
$175–317$317–458$458–600$600–742$742–883$883+

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 19801 GUNN HIGHWAY

Drive times from this address

Tampa Int’l Airport (TPA)30 min
Downtown Tampa33 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 seller3.8 months of inventoryBuyer’s market

$725K$775K

Odessa median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

88 of 188

UNPLATTED have cut their price

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

This home is listed 51% above the ODESSA 33556 median. See the full Odessa market guide →

Paper trail

This home's history

CurrentPrice reduced to $999,000 $76K
May 19, 2026Listed at $1,075,000 · 78 days on market since
1981Built · UNPLATTED

Reality check

What actually sold near 19801 GUNN HIGHWAY

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

8903 DONNA LU DRIVESold · Dec ’25

$1,185,000

8903 DONNA LU DRIVE · same community

3 bd · 2 ba · 2,106 sqft · $563/sqft · 98 DOM

913 E GENESEE STREETSold · Dec ’25

$332,000

913 E GENESEE STREET · same community

3 bd · 2.5 ba · 2,075 sqft · $160/sqft · 4 DOM

2852 TOM BREWER LANESold · Nov ’25

$302,000

2852 TOM BREWER LANE · same community

4 bd · 2 ba · 1,944 sqft · $155/sqft · 8 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 19801 GUNN HIGHWAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 19801 GUNN HIGHWAY — before you fall in love.

See it in person

Schedule a tour

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Straight answers

19801 GUNN HIGHWAY FAQs

What would the monthly payment be for 19801 GUNN HIGHWAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,267/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 19801 GUNN HIGHWAY?+

The most recent tax bill on record (2025) was $4,102. 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 19801 GUNN HIGHWAY?+

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 $999,000, this home is listed about 43% above the Odessa median of $700,000. The market section on this page shows how the area is trending.

Which schools are assigned to 19801 GUNN HIGHWAY?+

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

$999,000 runs 51% 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.

03Strong 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.

04The price has already moved

Listed at $1,075,000, now $999,000 — a $76K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Kristi Berlin. MLS #TB8508080.

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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