David Ramirez
$1,395,000$1,595,0003 bd3.5 ba3,647 sqft$383 /sqft$8,775 /mo all-in ↓

2209 LOST RIVER TRAIL, RUSKIN, FL, 33570

Active242 days on marketListed Nov 22, 2025MLS #TB8450151

Reduced $200KWaterfrontPrivate poolSingle Family ResidenceLOST RIVER PRESERVE PH 2

About this home

2209 LOST RIVER TRAIL

A truly rare opportunity to own a private lakefront estate in the exclusive gated community of Lost River Preserve. Situated on a fenced 2-acre homesite at the end of a quiet cul-de-sac and surrounded by 900 acres of protected nature preserve, this custom-built executive residence offers exceptional privacy, luxury, and breathtaking natural beauty. This spacious 3-bedroom, 3.5-bath home—with the potential to easily convert to a 4th bedroom—features a 3-car garage plus a detached RV and ATV carport. Designed for both comfortable living and effortless entertaining, the home showcases an open split-bedroom floor plan with a dedicated office/den, formal dining room, formal living room or game room with a wood-burning fireplace, family room with a second wood-burning fireplace, wet bar, hardwood floors, granite countertops, crown molding throughout, and stunning sunset views over the lake. The gourmet kitchen is a chef's dream, featuring solid wood cabinetry, granite countertops, a breakfast bar, spacious eat-in dining area, large pantry, new appliances, two built-in ovens, and two refrigerators, including one conveniently located in the wet bar. The luxurious primary suite serves as a private retreat with tray ceilings, direct patio access, two walk-in closets, dual vanities, a two-person walk-in shower, soaking tub, and a third wood-burning fireplace. A convenient pool bath with shower provides direct access to the outdoor living spaces. The crown jewel of the property is the spectacular outdoor oasis. Enjoy an oversized screened lanai, heated saltwater pool, firepit, garden area, private dock, and panoramic lake views that create the perfect setting for relaxation and entertaining. The sunsets from this property are simply unforgettable. Recent upgrades include two new Goodman HVAC systems, a new Wi-Fi-enabled smart water heater, a remodeled living room fireplace mantle with custom built-in storage, and a Roof Maxx-treated roof with a transferable 5-year warranty. Lost River Preserve is an exclusive community of only 81 homesites spread across 900 acres, offering five fish-stocked lakes, nature trails, picnic areas, low HOA fees, no CDD, and luxurious estate-sized properties. The home is located in highly desirable Flood Zone X for added peace of mind and does not require flood insurance. Outdoor enthusiasts will appreciate being just minutes from Cockroach Bay State Preserve and the public boat ramp providing direct access to Tampa Bay. Ideally located south of Tampa and Brandon-Riverview, across the bay from St. Petersburg, moments from Apollo Beach, and within easy reach of Bradenton and Sarasota, this exceptional property offers the perfect balance of privacy, convenience, and Florida waterfront living. Schedule your private showing today and experience this one-of-a-kind lakefront estate.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

3,647

Sqft

2.02 ac

Lot size

3

Garage

2007

Year built

One

Levels

$383

Per sqft

Private poolWaterfrontFireplaceNegotiablePets allowed

Inside

FlooringHardwood
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Microwave
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stone · Stucco
FoundationSlab
FacesEast
ParkingGarage Faces Side · Oversized · Workshop in Garage
ExteriorFire Pit · Garden

Community & fees

HOA fee$75/mo
Taxes (2024)$5,879/yr
PetsYes
CommunityBay/Harbor Front · Community Boat Ramp · Lake · Deed Restrictions

Utilities & systems

UtilitiesCable Available · Electricity Available · Water Available
WaterPublic

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.

$8,775 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,527
PMI (est., until 20% equity)$523
Property tax — 2024 actual bill$490
HOA fee — from the listing$75
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $139,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $139,500
Interest rate6.00%
Loan term

Estimated payment

$8,775/mo

Principal & interest$7,527
PMI (est., until 20% equity)$523
Property taxes (actual bill)$490
HOA / condo fee$75
Est. insurance$160

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

Map of 2209 LOST RIVER TRAIL

Drive times from this address

Downtown Tampa42 min
Tampa Int’l Airport (TPA)55 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Ruskin. See the full Ruskin guide →

The numbers that matter

The Ruskin market

Seller’s marketBalanced6.3 months of inventoryBuyer’s 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 299% above the Ruskin median. See the full Ruskin market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,395,000 $200K
Nov 22, 2025Listed at $1,595,000 · 242 days on market since
2007Built · LOST RIVER PRESERVE PH 2

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2209 LOST RIVER TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2209 LOST RIVER TRAIL — 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.

Goes straight to David’s phone and CRM.

Straight answers

2209 LOST RIVER TRAIL FAQs

What would the monthly payment be for 2209 LOST RIVER TRAIL?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,775/mo — principal and interest, the actual property-tax bill, the $75/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 2209 LOST RIVER TRAIL?+

The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2209 LOST RIVER TRAIL?+

The most recent tax bill on record (2024) was $5,879. 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 2209 LOST RIVER TRAIL?+

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 $1,395,000, this home is listed about 299% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$1,395,000 runs 299% above the Ruskin median — but at 3,647 sqft it's also nearly twice the size of the typical Ruskin listing.

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

242 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 $1,595,000, now $1,395,000 — a $200K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS RLTY NEW TAMPA · Randy Clunn, P.a.. MLS #TB8450151.

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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