10039 SMARTY JONES DRIVE, RUSKIN, FL, 33573
Active150 days on marketListed Feb 25, 2026MLS #TB8480417
About this home
10039 SMARTY JONES DRIVE
Super motivated Seller! Dreaming of a bright white kitchen or a modern designer color? Seller is offering a credit toward painting the kitchen cabinets in the color of your choice. Check out this fabulous home featuring a spacious and functional floor plan with a POOL and peaceful WATER view. This 2 story home offers over 4,000 square feet with 5 bedrooms, 4 full bathrooms, a MEDIA room, and an oversized 3 car tandem garage. Major updates include a NEW ROOF in 2025, exterior paint in 2025, and a heated POOL in 2021, a 2-story screened lanai in 2022. As you enter, you are welcomed by a combined living and dining room with a modern fireplace. On the right is a flex room with a custom barn door that can be used as an office, man cave, etc. The kitchen is perfect for gatherings with granite countertops, an island, a food pantry, a custom vent hood, and stainless steel appliances. It opens to the large family room and a breakfast nook with a view of the pool and pond. The first floor also includes a bedroom and a full bathroom, which work well for guests or as a mother-in-law suite. Upstairs, you will find 4 additional bedrooms, 2 bathrooms, and a spacious primary suite that features a cozy fireplace, a sitting area, 2 walk-in closets, and access to a balcony. The primary bathroom includes double sinks, a garden tub, and a separate shower. The home theater room is ready for movie nights with comfortable custom seating, surround sound, a projection screen, and balcony access. Step outside to relax in your private heated pool and spa with waterfall features, custom tile, and a paver deck with plenty of covered seating where you can enjoy beautiful sunset views over the pond. Located in the popular Belmont community with amenities that include two pools, tennis courts, a basketball court, playground, clubhouse, walking trails, open green space, and a dog park. Check out the 3D tour to have a better feel of that fabulous property.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
4,328
Sqft
0.18 ac
Lot size
3
Garage
2013
Year built
Two
Levels
$149
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.
$5,014 /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
$5,014/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
−37%
$/sqft vs Ruskin actives
$149 vs $179
Days on market
150 vs 51 typical
Where $149/sqft sits among the 287 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 33573 — neighborhood snapshot
Population
30,820
Median age
68.5
Median income
$68,431
Median home value
$270,600
Avg household
1.98
Households w/ children
1,606
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)
162 of 287
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the RUSKIN 33573 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 10039 SMARTY JONES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$340,000
9731 SAGE CREEK DRIVE · same community
4 bd · 2.5 ba · 2,465 sqft · $138/sqft · 333 DOM
Sold · Mar ’26$329,000
9645 LEMON DROP LOOP · same community
4 bd · 2 ba · 1,817 sqft · $181/sqft · 53 DOM
Sold · Mar ’26$319,900
14203 STOCKWELL LANE · same community
3 bd · 2 ba · 1,784 sqft · $179/sqft · 117 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 10039 SMARTY JONES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10039 SMARTY JONES 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
10039 SMARTY JONES DRIVE FAQs
What would the monthly payment be for 10039 SMARTY JONES DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,014/mo — principal and interest, the actual property-tax bill, the $13/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 10039 SMARTY JONES DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10039 SMARTY JONES DRIVE?+
The most recent tax bill on record (2025) was $13,428. 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 10039 SMARTY JONES 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 $644,900, this home is listed about 84% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 10039 SMARTY JONES DRIVE?+
Doby Elementary School (elementary), East Bay High School (high), 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
$644,900 runs 150% above the RUSKIN 33573 median — but at 4,328 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
150 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 $799,000, now $644,900 — a $154K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Svetlana Shackleford. MLS #TB8480417.
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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