David Ramirez
$349,900$375,0003 bd2.5 ba1,808 sqft$194 /sqft$2,970 /mo all-in ↓

1504 TRAILWATER STREET, RUSKIN, FL, 33570

Active154 days on marketListed Mar 1, 2026MLS #TB8481568

Reduced $25KSingle Family ResidenceHAWKS POINT PH 1C-2 & 1D

About this home

1504 TRAILWATER STREET

If you have been waiting for the one, this is it! PRICE IMPROVEMENT! This is the type of home buyers wait for, fully upgraded, thoughtfully finished, and truly move in ready. Located in the gated community of Hawks Point, this beautifully upgraded two story home looks better than new and offers true peace of mind with a brand new roof and AC from 2025. There is no carpet anywhere, designer finishes throughout, and peaceful sunset views over the pond. This home also qualifies for USDA financing, offering "ZERO MONEY DOWN" for eligible buyers. You get the look, upgrades, location, and lifestyle today without the wait, stress, or higher cost of new construction. Offered by the original owners, this home showcases pride of ownership in every detail. The entire interior and exterior has been freshly painted, every inch of flooring has been upgraded with quality and design in mind. The first floor features elegant porcelain tile throughout, while the second floor is finished with luxury vinyl plank. Even the baseboards have been upgraded, creating a clean, cohesive high end feel that rivals a model home. The open concept layout is ideal for both everyday living and entertaining. The living room features a custom accent wall of real stone that adds warmth and character. The chef’s kitchen is the heart of the home, offering stainless steel appliances, granite countertops, custom backsplash, 42 inch staggered cabinetry, and two pantries for exceptional storage. A bright dinette overlooks the beautifully landscaped backyard and pond, while a formal dining area sits conveniently next to the main living space. A screened lanai extends your living area outdoors and is perfect for relaxing or hosting guests. The grand foyer welcomes you with soaring ceilings and abundant natural light. A half bathroom is conveniently located on the first floor for guests. Upstairs you will find all bedrooms along with a well placed laundry room. Natural sunlight fills the home throughout the day, and evenings are especially memorable as the sun sets over the pond in the back yard. Both upstairs bathrooms feature custom walk in showers with frame-less glass enclosures. The primary suite is a true retreat with tray ceilings, walk-in closet, a soaking tub, dual sink granite vanity, and elegant finishes. The garage is clean, organized, and visually appealing, reflecting the care and attention given to the entire home. Step outside to your private backyard oasis overlooking a peaceful pond. Enjoy the raised garden, perfect for growing your own vegetables and herbs, along with lush St Augustine grass that has been professionally manicured from front to back. From curb appeal to the backyard, this home has been meticulously maintained and designed to impress. Residents of Hawks Point enjoy resort style amenities including two clubhouses, fitness center, multiple pools and playgrounds, dog parks, all within a gated community. The location is extremely convenient, with easy access to award winning Gulf beaches, Tampa Bay, Hillsborough County Community College, nearby schools, E.G. Simmons State Park, Southshore Bay Lagoon in Wimauma, shopping, dining, Hospitals, Manatee Viewing Center, and major roadways including I-75, US-301, and US-41. While new construction homes in the area come with higher prices and longer wait times, this home delivers superior upgrades, immediate availability, and exceptional value. A rare, turnkey home with high end upgrades in a gated community.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,808

Sqft

0.09 ac

Lot size

2

Garage

2015

Year built

Two

Levels

$194

Per sqft

Water viewPets allowed

Inside

FlooringLuxury Vinyl · Porcelain Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorEating Space In Kitchen · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSoutheast
ExteriorGarden · Hurricane Shutters · Irrigation System · Lighting · Sidewalk

Community & fees

HOA fee$95/mo
Taxes (2024)$6,001/yr
PetsYes
CommunityClubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Public · Sewer Available · Sewer Connected · Street Lights · Underground Utilities · Water Available · Water Connected
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.

$2,970 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2024 actual bill$500
HOA fee — from the listing$95
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,247Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,247
Interest rate6.00%
Loan term

Estimated payment

$2,970/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$500
HOA / condo fee$95
Est. insurance$160

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.

List $350K
$314KedgeAI estimate $337,117 · range $328K$359K$373K

vs edgeAI estimate

+3.8%

$/sqft vs Ruskin actives

$194 vs $180

Days on market

154 vs 51 typical

Where $194/sqft sits among the 275 Ruskin actives

128
76 · this home
23
14
12
22
$129–177$177–225$225–272$272–320$320–368$368+

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

Map of 1504 TRAILWATER STREET

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)43 min

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

ElementaryRuskin Elementary School★★★★★
HighLennard High School★★★★★
MiddleShields Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

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)

153 of 275

Ruskin actives have cut their price

Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 3% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

CurrentPrice reduced to $349,900 $25K
Mar 1, 2026Listed at $375,000 · 154 days on market since
2015Built · HAWKS POINT PH 1C-2 & 1D

Reality check

What actually sold near 1504 TRAILWATER STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1505 TRAILWATER STREETSold · Nov ’25

$268,830

1505 TRAILWATER STREET · same community

3 bd · 2 ba · 1,501 sqft · $179/sqft · 51 DOM

1920 CITRUS LAKE COURTSold · Apr ’26

$307,000

1920 CITRUS LAKE COURT · same community

4 bd · 2.5 ba · 2,343 sqft · $131/sqft · 27 DOM

1916 HAWKS VIEW DRIVESold · Jan ’26

$288,000

1916 HAWKS VIEW DRIVE · same community

3 bd · 2.5 ba · 2,452 sqft · $117/sqft · 99 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1504 TRAILWATER STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1504 TRAILWATER STREET — 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

1504 TRAILWATER STREET FAQs

What would the monthly payment be for 1504 TRAILWATER STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,970/mo — principal and interest, the actual property-tax bill, the $95/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 1504 TRAILWATER STREET?+

The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1504 TRAILWATER STREET?+

The most recent tax bill on record (2024) was $6,001. 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 1504 TRAILWATER STREET?+

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 $349,900, this home is priced right at the Ruskin median.

Which schools are assigned to 1504 TRAILWATER STREET?+

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

01Water views

The water view is part of what you're buying — views hold value independently of the structure.

02Time on market is leverage

154 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 $375,000, now $349,900 — a $25K cut. The full history is in the market section below.

Listing courtesy of FLORIDA'S 1ST CHOICE RLTY LLC · Gustavo Torres. MLS #TB8481568.

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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