Eric Chery
$1,825,0004 bd4.5 ba5,600 sqft$326 /sqft$12,179 /mo all-in ↓

16317 EMERALD COVE, LUTZ, FL, 33549

Active8 days on marketListed Jul 25, 2026MLS #TB8532354

Private poolSingle Family ResidenceEMERALD COVE LOT 2 AND 3

About this home

16317 EMERALD COVE

Welcome to one of Emerald Cove’s most exceptional waterfront estates. Tucked away on a quiet cul-de-sac in the intimate community of Emerald Cove, this custom-built waterfront estate is nestled beneath a breathtaking canopy of majestic grandfather oaks on approximately 2.7 private acres. Thoughtfully designed and expanded over the years, this remarkable home offers approximately 5,600 square feet of living space showcasing Old World design, timeless craftsmanship, and breathtaking natural surroundings that create an extraordinary place to call home. Built in 2004, this exceptional 4-bedroom, 4.5-bath residence was created for both entertaining and comfortable everyday living. The spacious first-floor primary suite serves as a private retreat featuring a marble bath with marble flooring and countertops. Upstairs, two bedrooms share a Jack-and-Jill bath, while a fourth bedroom enjoys its own private ensuite. An expansive game room or in-law suite with an open balcony overlooking the property offers the perfect space for guests, extended family, or recreation. Rich architectural details, warm cherry wood flooring, a beautiful fireplace, custom millwork, and expansive windows fill the home with natural light while framing peaceful waterfront views. The relaxed living room with soaring 20-foot ceilings creates an impressive yet welcoming gathering space. The thoughtfully designed floor plan also features a spacious family room, private office, oversized laundry room, and a dining room highlighted by a custom-built china cabinet. The chef’s kitchen is beautifully appointed with granite countertops, abundant cabinetry, and custom snack drawers while opening seamlessly to the main living areas. Just beyond, the custom wet bar featuring a wine refrigerator and beer tap creates the perfect setting for entertaining family and friends. Step outside to an expansive screened lanai where the heated pool and spa overlook tranquil waterfront views and beautifully landscaped grounds enhanced by an irrigation system and mosquito misting system. Towering oaks provide shade and beauty throughout the property, creating a truly park-like setting. Enjoy peaceful mornings overlooking the water, spend the afternoon fishing from your backyard, or explore the shoreline by paddleboat or jon boat while taking in the abundant wildlife and natural beauty that surrounds you. The oversized three-car garage is complemented by a 14’ x 14’ climate-controlled storage room, providing endless possibilities for a workshop, fitness room, hobby space, or additional storage. Recent improvements provide exceptional peace of mind, including a new roof, new electrical system and panels (2022), new septic system and drain field (2015), a hot water heater approximately five years old, and four HVAC systems, ensuring year-round comfort throughout this expansive home. Offering a rare combination of waterfront, estate-sized acreage, majestic oak trees, privacy, and timeless Old World architecture, this extraordinary property is unlike anything else in Lutz. Emerald Cove is a hidden gem where homes are rarely available, offering a peaceful setting while remaining just minutes from schools, shopping, dining, and major commuter routes. This is more than a home—it’s a private waterfront estate where timeless Old World architecture meets the natural beauty of Old Florida.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

5,600

Sqft

2.7 ac

Lot size

3

Garage

2004

Year built

Two

Levels

$326

Per sqft

Private poolFireplacePool & Water viewPets allowed

Inside

FlooringBrick/Stone · Carpet · Marble · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Dryer · Electric Water Heater · Ice Maker · Microwave · Refrigerator · Touchless Faucet · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Stone Counters · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal · Shingle
ConstructionCement Siding · Wood Frame
FoundationSlab
ViewPool · Water
FacesSouth
ExteriorBalcony · Fire Pit · French Doors · Irrigation System · Lighting · Outdoor Shower · Storage

Community & fees

HOA fee$100/mo
Taxes (2025)$16,643/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public
WaterWell

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.

$12,179 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,848
PMI (est., until 20% equity)$684
Property tax — 2025 actual bill$1,387
HOA fee — from the listing$100
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $182,500Loan30-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% · $182,500
Interest rate6.00%
Loan term

Estimated payment

$12,179/mo

Principal & interest$9,848
PMI (est., until 20% equity)$684
Property taxes (actual bill)$1,387
HOA / condo fee$100
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.

$/sqft vs Lutz actives

$326 vs $243

Days on market

8 vs 35 typical

Where $326/sqft sits among the 271 Lutz actives

83
84
53
22 · this home
9
20
$174–215$215–256$256–297$297–338$338–379$379+

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 Lutz

Map of 16317 EMERALD COVE

Drive times from this address

Downtown Tampa17 min
Tampa Int’l Airport (TPA)28 min

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

Get to know Lutz. See the full Lutz guide →

The numbers that matter

The Lutz market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$580K$487K

Lutz median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

161 of 271

Lutz actives have cut their price

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

This home is listed 272% above the Lutz median. See the full Lutz market guide →

Paper trail

This home's history

Jul 25, 2026Listed at $1,825,000 · 8 days on market since
2004Built · EMERALD COVE LOT 2 AND 3

Reality check

What actually sold near 16317 EMERALD COVE

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

17001 MIDAS LANESold · Jun ’26

$2,740,000

17001 MIDAS LANE

5 bd · 6 ba · 5,251 sqft · $522/sqft · 13 DOM

16629 SEDONA DE AVILASold · Aug ’25

$1,625,000

16629 SEDONA DE AVILA

4 bd · 5 ba · 3,788 sqft · $429/sqft · 12 DOM

806 LINWOOD TERRACESold · Aug ’25

$755,000

806 LINWOOD TERRACE

4 bd · 3 ba · 3,598 sqft · $210/sqft · 95 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 16317 EMERALD COVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16317 EMERALD COVE — before you fall in love.

See it in person

Schedule a tour

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

Goes straight to Eric’s phone and CRM.

Straight answers

16317 EMERALD COVE FAQs

What would the monthly payment be for 16317 EMERALD COVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,179/mo — principal and interest, the actual property-tax bill, the $100/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 16317 EMERALD COVE?+

The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 16317 EMERALD COVE?+

The most recent tax bill on record (2025) was $16,643. 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 16317 EMERALD COVE?+

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 Lutz?+

At $1,825,000, this home is listed about 272% above the Lutz median of $489,999. The market section on this page shows how the area is trending.

Listing courtesy of ALIGN RIGHT REALTY CARROLLWOOD · Brenda Kennedy. MLS #TB8532354.

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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