Front elevation16317 EMERALD COVE, LUTZ, FL 33549
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 13, 2026, 16317 Emerald Cove in Emerald Cove Lot 2 And 3, Lutz is listed at $1,825,000 (5,600 sq ft, about $326 per sq ft). That is 280% above Emerald Cove Lot 2 And 3's median closed sale of $480,000 over the last 12 months (17 recorded sales). Per square foot it is below the community's recent $418/sq ft by about 22%. It has been 10 days on market, well inside the community's typical 59 days. Listing facts: built in 2004, a private pool, HOA dues of $100/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2004 · 22 yrs
- 5,600 sq ft of living area
- 3-car garage
- 10 days on market
- HOA $100/mo (per listing)
Pricing & the PARKCREST HARBOUR ISLAND CONDO market
How this home is priced against recent nearby sales, and where PARKCREST HARBOUR ISLAND CONDO has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in PARKCREST HARBOUR ISLAND CONDO
Each dot is a closed sale since 2007 (175 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2013–2026. This home lists at $326/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 18 (cold).
This home’s history
- 2004BuiltPer public record
- Aug 4, 2026First trackedObserved at $1,825,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $9,479/mo 79%
- Taxes $1,597/mo 13%
- Insurance $760/mo 6%
- HOA $100/mo 1%
$11,936/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
59/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $326 per square foot, about 22% below the community’s $418 median. PARKCREST HARBOUR ISLAND CONDO’s 12-month median sold price per square foot is $418. Median sold price per square foot is down 14.3% year over year. Confidence: Medium · 17 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
45% of homes in PARKCREST HARBOUR ISLAND CONDO are owner-occupied. An estimated 55% are non-owner-occupied, including 24% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 416 homes matched. Community-level context.
Recent PARKCREST HARBOUR ISLAND CONDO sales closed near 93.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2086 active listings in PARKCREST HARBOUR ISLAND CONDO, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Under contract-accepting backup offers. 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.
Description provided by ALIGN RIGHT REALTY CARROLLWOOD and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $1,825,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $100/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 10 days on market vs. a 59-day community median
- 1765 active listings competing, 498 under contract
For reference, this home is listed at $1,825,000 ($326/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 5,600 sq ft × $368–$468/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 13, 2026.
Similar homes for sale near EMERALD COVE LOT 2 AND 3
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recently off market in EMERALD COVE LOT 2 AND 3
- 9904 Venetian River Way · last listed $259,900 · 2026-09-12
- 984 Olive Conch Street · last listed $400,000 · 2026-09-12
- 9802 Redwood Heights Loop · last listed $522,210 · 2026-09-12
- 9624 Hidden Oaks Circle · last listed $325,000 · 2026-09-12
- 9547 Summers Cay Circle · last listed $369,000 · 2026-09-12
- 9527 Sunstone Boulevard · last listed $412,000 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by ALIGN RIGHT REALTY CARROLLWOOD · MLS # TB8532354
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Recent sales activity in EMERALD COVE LOT 2 AND 3
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the EMERALD COVE LOT 2 AND 3 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on EMERALD COVE LOT 2 AND 3
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 16317 Emerald Cove, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $100/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 5,600 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $19,162/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 13, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 16317 Emerald Cove and when was it built?
Per the listing record, 16317 Emerald Cove was built in 2004 and has 5,600 sq ft of living area, 4 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 16317 Emerald Cove in?
16317 Emerald Cove is in Emerald Cove Lot 2 And 3 in Lutz, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Emerald Cove Lot 2 And 3 from the same MLS data.
Does 16317 Emerald Cove have an HOA, and how much are the dues?
The listing reports HOA dues of $100 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 16317 Emerald Cove differ from the current owner's?
The estimate on this page (about $19,162 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 16317 Emerald Cove in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.