823 SEMINOLE SKY DRIVE, RUSKIN, FL, 33570
Active179 days on marketListed Feb 3, 2026MLS #TB8461739
About this home
823 SEMINOLE SKY DRIVE
ATTENTION BUYERS! FOR SALE OR RENT-TO-OWN / LEASE PURCHASE. Welcome to this well-maintained 4-bedroom, 2.5-bath home in the beautiful Bahia Lakes community, offering a functional layout and inviting indoor-outdoor living. Tile flooring runs throughout the main living areas, with carpeted bedrooms and 9 feet ceilings enhancing the open feel of the home. The kitchen features stainless steel appliances, ample cabinet space, and a pantry closet, making it ideal for both everyday living and entertaining. A front-facing flex room provides added versatility for a home office, playroom, or sitting area. The primary suite includes a walk-in closet and a spacious en-suite bath with dual sinks, a garden tub, glass-enclosed shower, and water closet. Three additional bedrooms offer flexibility for family or guests. The laundry room is thoughtfully designed with built-in shelving and a small closet for added storage. The epoxy-finished garage adds durability and a clean, polished look. Enjoy Florida living outdoors with a screened pool and covered lanai, offering shaded space ideal for seating and relaxing while overlooking a large pond view. A convenient half bath located just off the pool area adds extra functionality and comfort for outdoor living and entertaining. Hurricane shutters provide added peace of mind. Major updates include a new roof (2025) and new A/C system (2025). Conveniently located near shopping, dining, schools, and major roadways, this home combines comfort, functionality, and a desirable setting. Lender does not require flood insurance.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,998
Sqft
0.19 ac
Lot size
2
Garage
2008
Year built
One
Levels
$213
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.
$3,659 /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
$3,659/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
−3.6%
$/sqft vs Ruskin actives
$213 vs $180
Days on market
179 vs 51 typical
Where $213/sqft sits among the 279 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)
153 of 279
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 823 SEMINOLE SKY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$360,000
624 MARION HILL LANE · same community
4 bd · 2 ba · 2,741 sqft · $131/sqft · 95 DOM
Sold · Jan ’26$310,000
458 8TH STREET NW
4 bd · 2.5 ba · 2,035 sqft · $152/sqft · 12 DOM
Sold · Nov ’25$200,000
802 WHITE HERON BOULEVARD
3 bd · 2 ba · 1,938 sqft · $103/sqft · 29 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 823 SEMINOLE SKY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 823 SEMINOLE SKY 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
823 SEMINOLE SKY DRIVE FAQs
What would the monthly payment be for 823 SEMINOLE SKY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,659/mo — principal and interest, the actual property-tax bill, the $33/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 823 SEMINOLE SKY DRIVE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 823 SEMINOLE SKY DRIVE?+
The most recent tax bill on record (2024) was $9,319. 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 823 SEMINOLE SKY 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 $425,000, this home is listed about 21% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 823 SEMINOLE SKY 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
01Positioned at the premium end
$425,000 runs 25% above the RUSKIN 33570 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
179 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 $449,000, now $425,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · Turan Celiker, PA. MLS #TB8461739.
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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