442 WARM HERON PLACE, RUSKIN, FL, 33570
Pending183 days on marketListed Jan 22, 2026MLS #TB8467659
About this home
442 WARM HERON PLACE
Ruskin Reserve is NO CDD community that offers a mix of single-family homes and townhomes designed for modern living. Conveniently located near US-41 and I-75, the community provides easy access to Tampa, Apollo Beach, and Sun City Center. Enjoy nearby outdoor attractions like EG Simmons Regional Park and Little Manatee River State Park, along with a variety of shopping, dining, and entertainment options. Homes in Ruskin Reserve feature D.R. Horton’s signature Smart Home System, durable concrete block construction, and energy-efficient designs, making this community ideal for families and professionals alike. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability. D.R. Horton Reserves all Rights.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,665
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
One
Levels
$189
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.
$2,235 /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
$2,523/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−2.5%
Days on market
183 vs 51 typical
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)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below 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 442 WARM HERON PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 442 WARM HERON PLACE — 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
442 WARM HERON PLACE FAQs
What would the monthly payment be for 442 WARM HERON PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,235/mo — principal and interest, estimated property taxes, the $81/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 442 WARM HERON PLACE?+
The association fee works out to $81 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 442 WARM HERON PLACE?+
The most recent tax bill on record (2025) was $0. 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 442 WARM HERON PLACE?+
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 $314,990, this home is listed about 10% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 442 WARM HERON PLACE?+
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
01Under the RUSKIN 33570 market on paper
$314,990 is 6% below the RUSKIN 33570 median of $335,000, and at $189/sqft it sits under the Ruskin average of $221.
02Time on market is leverage
183 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 $350,990, now $314,990 — a $36K cut. The full history is in the market section below.
Listing courtesy of D R HORTON REALTY OF TAMPA LLC · Jodi Smenda. MLS #TB8467659.
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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