$526,000
4324 SPINNAKER COVE LANE, TAMPA, FL 33615
Beds
3
Baths
4
Sq Ft
2,540 sq ft
Year Built
2005
Lot Size
0.04 acres
Garage
2
About This Property
Virtually Staged. This waterfront townhouse, with its own deeded boat slip, offers the seaside, maintenance-free lifestyle you have been looking for, so your weekends can be spent on the boat! Plus, the seller is offering a $10,000 credit at closing toward your closing costs so you can spend your money on the flooring you love. Act quickly, as this property (built in 2005) is the lowest price in Spinnaker Cove, and it’s within an exclusive, gated community. Lock-it-and-leave when you travel (airport is 10 minutes away) and enjoy your large, private boat slip a half-block walk from your front door when you are back in paradise. (Seller had a 42’ Sea Ray, so water depth is ample) Cruise down to St. Pete, the Gulf or over to a waterfront restaurant for a well-deserved break. The space in the home is amazing, with high ceilings, bedrooms away from entertaining areas, and two incredible living areas (one on each of two levels). Enjoy tropical orange sunsets over the bay from your kitchen, morning den, family room and master. Plus, relish the oversized master bedroom, bath and walk-in closet. Luxury elements such as a huge wet bar in your recreational family room, charming nooks in the kitchen, a convenient laundry on the bedroom level and built-in garage storage will impress you. The first level is perfect for everyday relaxation or parties. The first floor rec room/family room overlooks a sunny patio, a large grassy area and the waterfront. Plus, it features a full bath and a wet bar/party kitchen. This layout is well thought out and high and dry! Even in the hurricanes of 2024, only a few inches of water entered in the garage, leaving all three levels of living areas untouched. From your back porches and patios, you will cherish water views and a large grassy area for pets or friends to gather. Don’t like carpet? Want new flooring? No worries. Flood insurance is only $1700/year and the HOA covers all exterior maintenance, including the roof and seawalls.
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Memorial to Lopez, right on Bay Point Drive, Left on Spinnaker Cove and enter gate code. Townhouse is on right one block down.
Location
4324 SPINNAKER COVE LANE, TAMPA, FL 33615
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$526,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $526,000 home in TAMPA.
🏛️
FHA Loan
$18,410 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$26,300 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Hillsborough County SHIP
Varies
Income-qualifying Hillsborough residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 16, 2026.