
102 W NORTH BRANCH ROAD, RUSKIN, FL, 33570
Active389 days on marketListed Jul 11, 2025MLS #TB8404370
About this home
102 W NORTH BRANCH ROAD
Virtually Staged. If you dream of owning private and pristine Florida waterfront, this property might be for you. Fish the pristine waters of the Little Manatee River or the nearby islands of Cockroach Bay Preserve, at the River's mouth in Southeast Tampa Bay, No HOA or CDDs. This 0.6156-acre parcel is situated at the base of the Ruskin Inlet on the Marsh Branch of the Little Manatee with a straight shot into the main river and out to Tampa Bay and Beyond. The property angles southwesterly 134 feet along the riverfront then 244 feet northerly along the Canal. There is a 7500lb boat lift and dock on the riverfront. On the canal you will discover a timeless boat house with a 25 ft boat slip, fish cleaning station and plenty of space to organize all of your boating, kayaking and fishing gear. Included beyond the boat house lies an approx 85ft bonus vacant buildable canal front parcel. The 2 bd 2 bth block home is designed for maximum entertaining. It has been completely updated over the past 9 months to include a vast new Chef's kitchen with breakfast area, new appliances, new cabinets, granite counters, walk-in pantry, two ovens, and serving window counter space opening to the expansive screened rear covered patio with its own impressive stone barbeque. A trio of informal open plan gathering areas, all with stunning river views, include a living room with a magnificent floor-to-ceiling stone fireplace, an inviting dining area and a bright sunny Florida room, all leading to a screened river-facing front patio and elevated screened deck. The home has storage galore and the floors are covered in tile and beautiful commercial vinyl plank. Conveniently located near US-41 and I-75, making Bradenton, Sarasota, and Tampa an easy drive for shopping, beaches, and restaurants. Schedule a showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,940
Sqft
0.61 ac
Lot size
1955
Year built
One
Levels
$360
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 — not generic estimates.
$4,530 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,530/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+46.5%
$/sqft vs UNPLATTED
$360 vs $303
Days on market
389 vs 54 typical
Where $360/sqft sits among the 187 homes for sale in UNPLATTED
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)
86 of 187
UNPLATTED have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 W NORTH BRANCH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$302,000
2852 TOM BREWER LANE · same community
4 bd · 2 ba · 1,944 sqft · $155/sqft · 8 DOM
Sold · Mar ’26$165,000
4004 AMBER ROAD · same community
3 bd · 2 ba · 1,868 sqft · $88/sqft · 2 DOM
Sold · Dec ’25$332,000
913 E GENESEE STREET · same community
3 bd · 2.5 ba · 2,075 sqft · $160/sqft · 4 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 102 W NORTH BRANCH ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 W NORTH BRANCH ROAD — 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
102 W NORTH BRANCH ROAD FAQs
What would the monthly payment be for 102 W NORTH BRANCH ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,530/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 102 W NORTH BRANCH ROAD?+
The most recent tax bill on record (2024) was $4,035. 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 102 W NORTH BRANCH ROAD?+
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 $699,000, this home is listed about 100% above the Ruskin median of $349,700. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$699,000 runs 100% above the Ruskin median.
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
389 days on market against a Ruskin median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $975,000, now $699,000 — a $276K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FATHOM REALTY FL LLC · Curt Howell. MLS #TB8404370.
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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