408 19TH STREET NW, RUSKIN, FL, 33570
Active21 days on marketListed Jul 14, 2026MLS #A4699930
About this home
408 19TH STREET NW
Welcome to Sunset Haven. Tucked inside the gated Mira Lago community in Ruskin, this 2013-built 5-bedroom, 3-bath home delivers 3,232 square feet of easy Florida living at just $170 per square foot — a rare combination of space, quality, and value. Step through the front door and the volume ceilings and open layout immediately open the space up. Formal living and dining flow naturally into a gourmet kitchen with rich 42" espresso cabinets, granite counters, stainless appliances, a breakfast bar, and a built-in desk nook that actually works for everyday life. The split-bedroom plan is perfectly laid out for large families, giving everyone room to spread out while still keeping the household connected and private. The primary suite is the real retreat: a sitting area, dual walk-in closets, a garden soaking tub, a walk-in tiled shower, and dual granite vanities. It’s the kind of room you don’t mind disappearing into at the end of the day. Already paid for and working hard for you: • 40 solar panels that have dramatically cut the electric bills • Culligan whole-home water purification • Hybrid water heater • Zoned high-efficiency AC • Hurricane protection • In-wall pest control Out back, a fully fenced yard (dogs will love it), four 4×16 raised garden beds ready for planting, and a gate that opens straight to lake fishing. The real showstopper? Watching the fountain light up against the sunset from your own backyard. Mira Lago itself is the kind of neighborhood that feels like a small resort — gated entry, resort-style pool, playground, and a genuine sense of community. You’ll find a strong military presence here, with many active-duty and retired families from MacDill AFB (about 45 minutes) calling it home. Downtown Tampa is roughly 35 minutes away, and some of the best Gulf beaches in the country — Fort DeSoto, St. Pete Beach, Clearwater — are an easy drive. Solar and Culligan systems are fully paid off. No loans to assume. All information believed accurate; buyers are encouraged to verify independently.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,232
Sqft
0.11 ac
Lot size
3
Garage
2013
Year built
Two
Levels
$170
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.
$4,221 /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
$4,221/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
+10%
$/sqft vs Ruskin actives
$170 vs $181
Days on market
21 vs 54 typical
Where $170/sqft sits among the 275 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 →
The numbers that matter
The Ruskin market
$315K → $330K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
151 of 275
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 408 19TH STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$380,000
529 VISTA RIDGE DR · same community
5 bd · 3 ba · 3,308 sqft · $115/sqft · 252 DOM
Sold · Jan ’26$380,000
526 19TH STREET NW · same community
6 bd · 3 ba · 3,018 sqft · $126/sqft · 236 DOM
Sold · Feb ’26$172,000
525 19TH STREET NW · same community
5 bd · 2.5 ba · 2,920 sqft · $59/sqft · 7 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 408 19TH STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 408 19TH STREET NW — 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
408 19TH STREET NW FAQs
What would the monthly payment be for 408 19TH STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,221/mo — principal and interest, the actual property-tax bill, the $98/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 408 19TH STREET NW?+
The association fee works out to $98 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 408 19TH STREET NW?+
The most recent tax bill on record (2025) was $5,781. 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 408 19TH STREET NW?+
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 Ruskin?+
At $550,000, this home is listed about 57% above the Ruskin median of $349,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of KEYS REALTY REDEFINED LLC · Randal Longo. MLS #A4699930.
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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