928 ROYAL EMPRESS DRIVE, RUSKIN, FL, 33570
Active634 days on marketListed Oct 28, 2024MLS #TB8315223
About this home
928 ROYAL EMPRESS DRIVE
Short Sale. Short Sale Approved at list price! LOMA in place; flood should reflect zone X and should not require flood insurance! ASK for more info! Clean and Spacious WATER frontage townhome with the most beautiful views! This 2022 built East-facing townhome has all of the room that you need and none of the room that you don't! It is a perfect sized 1796 SF, 3 bedroom home with a one car garage and rear covered patio! The 2022 build offers all of the modern conveniences that homeowners are looking for plus EXTRAS that this owner has added! Tile throughout the first floor, raised panel doors, ceiling fans, water softener, app compatible garage opener, reverse osmosis and alarm with cameras! The kitchen offers stainless steel kitchen appliances- fridge, range, microwave- granite countertop, a ~6' breakfast counter, double stainless sink and dark wood modern cabinetry with brushed nickel knobs and pulls. Step upstairs to the three bedrooms on the second floor. The primary bedroom is a sanctuary; it is split from the other bedrooms with amazing water views, oversized living, two walk-in closets and an en suite bathroom with dual sinks, elongated shower and a separate tub with tile surround! At the end of the day, retreat to the covered patio to watch the sunset! The community pool and community walking path is a quick stroll from the patio too! Don't miss this lightly used showcase town home! Travel to MacDill AFB, the St Pete beaches or Tampa -- all under an hour!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,796
Sqft
0.03 ac
Lot size
1
Garage
2022
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.
$2,230 /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
$2,230/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
−9.1%
$/sqft vs Ruskin actives
$139 vs $179
Days on market
634 vs 51 typical
Where $139/sqft sits among the 287 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)
163 of 287
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 928 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 928 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 928 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
928 ROYAL EMPRESS DRIVE FAQs
What would the monthly payment be for 928 ROYAL EMPRESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,230/mo — principal and interest, the actual property-tax bill, the $194/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 928 ROYAL EMPRESS DRIVE?+
The association fee works out to $194 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 928 ROYAL EMPRESS DRIVE?+
The most recent tax bill on record (2023) was $3,604. 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 928 ROYAL EMPRESS DRIVE?+
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 $249,000, 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 928 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.
The brief
Four things that matter here
01Under the RUSKIN 33570 market on paper
$249,000 is 26% below the RUSKIN 33570 median of $335,450, and at $139/sqft it sits under the Ruskin average of $221.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
634 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $255,000, now $249,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Amy Camasso. MLS #TB8315223.
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.
Never miss a listing
New Ruskin homes, in your inbox
Like 928 ROYAL EMPRESS DRIVE but not quite? A daily digest of every new listing in Ruskin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →