12TH STREET SE, RUSKIN, FL, 33570
Active322 days on marketListed Sep 4, 2025MLS #TB8424181
About this home
12TH STREET SE
Prime 4.6-acre lot in the rapidly growing Ruskin area with easy access to I-75. Public utilities nearby and zoning for single-family residences make this parcel ideal for building a dream home or subdividing for development. No CDDs, no HOAs, and no flood insurance required. Surrounded by new residential communities and recent builder developments, this property is perfectly positioned as the next builder’s dream opportunity.
Facts & features
The home at a glance
4.6 ac
Lot size
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.
$3,851 /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
$3,851/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.
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)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 79% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
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 12TH STREET SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12TH STREET SE — 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
12TH STREET SE FAQs
What would the monthly payment be for 12TH STREET SE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,851/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 12TH STREET SE?+
The most recent tax bill on record (2023) was $2,740. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $599,990, this home is listed about 71% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 12TH STREET SE?+
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
Three things that matter here
01Positioned at the premium end
$599,990 runs 79% above the RUSKIN 33570 median.
02Time on market is leverage
322 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $699,990, now $599,990 — a $100K cut. The full history is in the market section below.
Listing courtesy of LPT REALTY, LLC · Keith LukaSavage. MLS #TB8424181.
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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