1609 BONITA BLUFF COURT, RUSKIN, FL, 33570
Active163 days on marketListed Mar 2, 2026MLS #TB8481856
About this home
1609 BONITA BLUFF COURT
MOVE IN READY! NO FLOOD INSURANCE REQUIRED & NO REAR NEIGHBORS! NEW HVAC (2024) - UPDATED STAINLESS STEEL APPLIANCES (2022) - LARGE FENCED LOT - LOW HOA & CDD! Step through the gated entrance of Mira Lago West and discover a private sanctuary where your backyard stretches into a vast community green space, free from neighboring views. No flood insurance required in Flood Zone X means real savings year after year, and with a brand-new HVAC system plus updated stainless appliances, this home delivers immediate comfort without the wait. A soaring two-story foyer welcomes you inside, opening to a chef's kitchen where granite countertops and a massive island invite effortless gatherings. Picture preparing meals while chatting with friends in the adjacent living area, the eat-in space alive with laughter during game nights or casual watch parties. Light pours through ample windows, highlighting modern fixtures and fans updated in 2022 that keep every room, including the living space and all bedrooms, perfectly cooled. Upstairs, four bedrooms await, including a generous primary suite with a large walk-in closet and an ensuite bath featuring a garden tub, separate shower with a new glass enclosure (2022), and serene finishes. A conveniently located laundry room sits in the hallway, simplifying daily life. Downstairs, an updated guest bath adds practicality for visitors. Outside, mature landscaping frames the front entry, just steps from the resort-style pool, newly upgraded playground (2025), and basketball courts. Your screened lanai overlooks the green expanse, with a paved area ready for barbecues under the stars. Golf-cart-friendly paths lead to community ponds, food truck nights, and activities in this low-HOA, low-CDD neighborhood bordering Bahia Beach Nature Preserve. Minutes from E.G. Simmons Regional Park's kayaking, fishing, and beaches, or a quick drive to I-75, MacDill AFB, and Downtown Tampa, it feels worlds away yet connected. This move-in-ready retreat invites you to settle in and truly unwind. Schedule your private showing today or contact us for more details, and start envisioning your new chapter here.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,324
Sqft
0.14 ac
Lot size
2
Garage
2009
Year built
Two
Levels
$169
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.
$3,209 /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
$3,209/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
+30.9%
$/sqft vs MIRA LAGO WEST PH 1
$169 vs $159
Days on market
163 vs 53 typical
Where $169/sqft sits among the 6 homes for sale in MIRA LAGO WEST PH 1
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 →
The numbers that matter
The Ruskin market
$315K → $330K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
2 of 6
MIRA LAGO WEST PH 1 have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1609 BONITA BLUFF COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$520,000
1834 MIRA LAGO CIRCLE · same community
4 bd · 2 ba · 2,372 sqft · $219/sqft · 18 DOM
Sold · Mar ’26$210,500
1532 BONITA BLUFF COURT · same community
4 bd · 3 ba · 2,210 sqft · $95/sqft · 4 DOM
Sold · Mar ’26$390,000
1657 BONITA BLUFF COURT · same community
3 bd · 3 ba · 2,483 sqft · $157/sqft · 243 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 1609 BONITA BLUFF COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1609 BONITA BLUFF COURT — 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
1609 BONITA BLUFF COURT FAQs
What would the monthly payment be for 1609 BONITA BLUFF COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,209/mo — principal and interest, the actual property-tax bill, the $98/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 1609 BONITA BLUFF COURT?+
The association fee works out to $98 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1609 BONITA BLUFF COURT?+
The most recent tax bill on record (2024) was $5,567. 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 1609 BONITA BLUFF COURT?+
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 $393,000, this home is listed about 12% above the Ruskin median of $349,950. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$393,000 runs 12% above the Ruskin median — but at 2,324 sqft it's also 20% larger than the typical Ruskin listing.
02Time on market is leverage
163 days on market against a Ruskin median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $395,000, now $393,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Lisa Wilkinson. MLS #TB8481856.
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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