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Welcome to 18520 Wayne Rd in Odessa, where lake living on Lake Keystone becomes your everyday reality. Set on a . 57-acre lot with direct water access and western exposure for sunsets, this beautifully updated home offers the perfect blend of comfort, style, and the unmatched lifestyle that Lake Keystone is known for. Spanning approximately 434 acres, Lake Keystone is one of the area's most sought-after private ski lakes, ideal for boating, jet skiing, fishing, and sunset cruising, all within a peaceful, scenic setting just minutes from Tampa. Enjoy the freedom and flexibility of lakefront living with NO HOA and NO CDD. Featuring 4 bedrooms, 3 full bathrooms, and nearly 3, 000 sq ft, this home offers an open floor plan designed for both everyday living and entertaining. The garage was redesigned to include a bedroom, full bathroom, living room, and separate entrance, making it a perfect space for an in-law suite or guest suite. Thoughtfully updated throughout, the home shows like new with a fresh, warm, and inviting feel. The kitchen, remodeled in 2017, showcases granite countertops, Whirlpool Gold appliances, and flows seamlessly into the main living spaces for a bright and welcoming atmosphere. Inside, the home offers a crisp, cohesive aesthetic with plantation shutters, updated finishes, and expansive double-pane windows (replaced in 2020) that frame serene lake views. The spacious primary suite has been thoughtfully remodeled and provides a peaceful retreat overlooking the water, while a private guest suite offers comfort and flexibility for visitors. Step through the rear French doors and the lake immediately becomes your backdrop. A beautifully designed paver walkway leads you through the lush backyard to your private covered dock, creating a seamless transition from indoor living to the outdoors. Along the way, multiple seating areas offer the perfect setting to relax, entertain, and take in the views of the property's 84 feet of lake frontage. The covered dock sits on the lake and is ideal for boating, jet skiing, fishing, or simply unwinding as the sun sets over the water. From morning coffee by the water to evenings spent on the dock, this home is designed to fully embrace the Lake Keystone lifestyle. Recent updates and improvements include: remodeled kitchen in 2017, double-pane windows replaced in 2020, primary suite remodel, guest suite enhancements, remodeled laundry room, updated bathroom, new exterior doors in 2021, new landscaping in 2023, paver driveway and walkway, and fresh exterior paint completed in 2025. Located just 15 to 20 minutes from downtown Tampa, you'll enjoy easy access to top dining, shopping, and entertainment while still coming home to a quiet, private waterfront setting. Discover lakefront living with space to relax, entertain, and be on the water whenever you choose. Homes like this on Lake Keystone do not come around often — a rare combination of location, thoughtful updates, and direct water access.
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,625,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,300,000 | $1,300,000 | $1,300,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.362% | 6.385% | 6.223% |
| Monthly Tax Payment | $539 | $539 | $539 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,794 | $8,004 | $10,970 |
| Total Monthly Payment | $8,458 | $8,668 | $11,634 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.