633 ROYAL EMPRESS DRIVE, RUSKIN, FL, 33570
Active53 days on marketListed Jun 1, 2026MLS #A4688273
About this home
633 ROYAL EMPRESS DRIVE
This townhouse may qualify for USDA financing with 0% down for eligible buyers. No CDD and low HOA. Built in 2021, this home offers a modern, functional, and inviting design that perfectly blends style and comfort. The open-concept first floor creates a spacious and airy feel from the moment you enter. A convenient half bath is located downstairs for guests. The kitchen features granite countertops, stainless steel appliances, and a cozy dining area that is ideal for casual meals or entertaining. Upstairs, you will find three well-sized bedrooms with ample natural light. The primary bedroom includes an en-suite bathroom for added privacy and comfort. The two additional bedrooms share a full bath, making the layout ideal for family, guests, or a home office. Additional features include a one-car garage with storage space and a screened lanai in the back, perfect for relaxing or entertaining without the hassle of insects. This home combines modern amenities with comfortable living in a stylish and practical layout.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,796
Sqft
0.03 ac
Lot size
1
Garage
2021
Year built
Two
Levels
$139
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$2,292 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,292/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+1.2%
$/sqft vs Ruskin actives
$139 vs $178
Days on market
53 vs 51 typical
Where $139/sqft sits among the 291 Ruskin actives
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 Ruskin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33570 — neighborhood snapshot
Population
33,676
Median age
36.7
Median income
$69,048
Median home value
$255,400
Avg household
2.86
Households w/ children
4,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
160 of 291
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 633 ROYAL EMPRESS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$250,000
726 ROYAL EMPRESS DRIVE · same community
3 bd · 2.5 ba · 1,796 sqft · $139/sqft · 4 DOM
Sold · Jun ’26$247,000
741 ROYAL EMPRESS DRIVE · same community
3 bd · 2.5 ba · 1,796 sqft · $138/sqft · 24 DOM
Sold · Dec ’25$252,500
607 ROYAL EMPRESS DRIVE · same community
3 bd · 2.5 ba · 1,796 sqft · $141/sqft · 222 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 633 ROYAL EMPRESS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 633 ROYAL EMPRESS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
633 ROYAL EMPRESS DRIVE FAQs
What would the monthly payment be for 633 ROYAL EMPRESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,292/mo — principal and interest, the actual property-tax bill, the $228/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 633 ROYAL EMPRESS DRIVE?+
The association fee works out to $228 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 633 ROYAL EMPRESS DRIVE?+
The most recent tax bill on record (2025) was $3,863. 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 633 ROYAL EMPRESS DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 Ruskin?+
At $249,900, this home is listed about 29% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 633 ROYAL EMPRESS DRIVE?+
Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Cristina Crespo Santiago. MLS #A4688273.
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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