In Tampa, a pool isn’t just a luxury feature — it’s often part of the lifestyle.
With our year-round sunshine, long summers, and backyard-centered living, many buyers come to us at The Lewkowicz Group saying, “A pool is a must.” And we understand why. But after more than 40 years combined helping buyers and investors navigate the Tampa market, we always make sure our clients understand the full picture — not just the fun part.
Here’s what you should know before purchasing a home with a pool in Tampa.
1. Pool Maintenance: What Does It Really Cost?
A pool adds enjoyment — but it also adds responsibility.
In Tampa’s warm, humid climate, pools are used most of the year, which means ongoing maintenance is essential. Buyers should budget for:
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Weekly or bi-weekly professional pool service (typically $100–$200 per month)
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Chemicals (chlorine, salt system upkeep, stabilizers)
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Equipment maintenance (pump, filter, heater)
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Occasional resurfacing (every 10–15 years depending on finish)
One thing we always point out to buyers: our subtropical weather means algae can develop quickly if a pool isn’t properly maintained. This isn’t Arizona — Tampa’s humidity changes the equation.
Joe often reminds investors especially: if you're buying a rental property with a pool, factor in maintenance as a fixed operating expense. It’s not optional — it’s part of protecting your asset.
2. Insurance Considerations in Florida
Insurance is a big topic in Florida right now, and pools absolutely factor into it.
When purchasing a pool home in Tampa:
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Your homeowners insurance carrier will ask about fencing and safety features.
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Most lenders require proper enclosures or alarms.
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Liability coverage should be reviewed carefully.
In many Tampa neighborhoods, screened-in pool enclosures (cages) are standard — and buyers are often surprised how much these help not just with debris and bugs, but also from a safety and insurance standpoint.
We always advise clients to connect with a local insurance agent early in the process. Premium differences between a home with and without a pool aren’t usually dramatic — but they can vary based on age of the pool, condition, and safety features.
With Florida’s evolving insurance market, we make sure our clients aren’t caught off guard after they’re already emotionally invested in a property.
3. Resale Value: Does a Pool Increase It?
This is where Tampa is different from many parts of the country.
In colder climates, pools can limit buyer interest. In Tampa? They often expand it.
In many established neighborhoods across South Tampa, Carrollwood, and waterfront communities, a pool can:
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Increase buyer demand
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Shorten days on market
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Command stronger resale value
That said, not every pool adds equal value.
Here’s what we’ve seen over decades in this market:
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A well-designed, updated pool adds value.
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An outdated pool needing resurfacing or equipment replacement can hurt value.
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Smaller yards where the pool dominates the lot may limit buyer appeal.
Emeri often tells clients: “It’s not just about having a pool — it’s about how the backyard lives.” Buyers want usable outdoor space, not just water.
For investors, the equation is different. Pools can increase rental appeal, especially for long-term family tenants. But for short-term rental strategy (where allowed), a pool can dramatically boost booking rates and nightly revenue.
4. Inspection Matters More Than You Think
We always recommend a separate pool inspection during the home inspection period.
This includes:
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Pump and filter function
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Surface condition
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Plumbing lines
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Heater (if present)
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Enclosure integrity
We’ve seen buyers skip this step — and regret it later. A new pool heater alone can cost several thousand dollars. It’s far better to negotiate repairs upfront.
With Tampa’s older housing stock in certain areas, many pools are 20+ years old. That doesn’t mean avoid them — it just means evaluate them properly.
5. Lifestyle Fit: The Question We Always Ask
Beyond numbers and logistics, we ask buyers one simple question:
“Will you actually use it?”
In Tampa, many families absolutely will. It becomes the center of birthdays, holidays, and weekend gatherings. But for some buyers, especially those who travel frequently or split time between properties, maintenance may outweigh the benefit.
After decades in this market, we’ve learned this: a pool home is an emotional purchase. But it still needs to make financial and practical sense.
Final Thoughts From Emeri & Joe
In Tampa, pools are common — but that doesn’t mean they’re simple.
When you work with The Lewkowicz Group, we don’t just show you beautiful backyards. We walk you through:
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Long-term costs
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Insurance impact
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Resale strategy
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Investment potential
Our job isn’t just to help you buy a home. It’s to help you make a smart decision that holds up 5, 10, even 15 years from now.
If you’re considering a pool home in Tampa, let’s have a real conversation about whether it fits your lifestyle and your long-term goals.
Because in this market — experience matters.
