
2504 CUMBERLAND CLIFF DRIVE, RUSKIN, FL, 33570
Active135 days on marketListed Mar 20, 2026MLS #TB8484931
About this home
2504 CUMBERLAND CLIFF DRIVE
Experience the pinnacle of waterfront-adjacent luxury at 2504 Cumberland Cliff Drive, a masterfully curated estate situated in the prestigious gated enclave of River Bend in Ruskin, FL. This residence offers an unrivaled lifestyle, combining sophisticated interior design with a private outdoor resort, all just steps from the serene Little Manatee River and the community’s private dock and canoe launch. Every inch of this nearly 3,900-square-foot sanctuary has been reimagined for the modern connoisseur. The home features a complete absence of carpet, replaced by the seamless installation of luxury vinyl plank, upgraded tile, and professional high-gloss epoxy finishes. The architectural integrity is elevated by bespoke crown molding and custom-cased windowsills throughout, complemented by upgraded oversized baseboards and designer lighting that casts a warm glow across the open-concept living spaces. The gourmet chef’s kitchen serves as the heart of the home, featuring premium stone surfaces, high-end stainless appliances, and a social layout that flows effortlessly into the grand family room. For the collector, a stunning custom-built, LED-backlit wine wall provides a sophisticated focal point for entertaining. Nearby, a sleek electric fireplace creates a chic atmosphere for evening relaxation. Retreat to the primary suite to discover a boutique-style luxury walk-in closet. Custom-built to showcase your finest collections, it features high-end millwork, a center organization island, and designer pendant lighting. The spa-like en-suite bath offers a garden soaking tub and a seamless glass walk-in shower. The transition to outdoor living is spectacular. Beyond the sliding glass doors lies a brand-new 2024 heated saltwater pool and integrated spa, encased in an expansive screened enclosure. The L-shaped covered lanai is ready for ultimate entertaining, featuring a built-in summer kitchen and grill area along with vast extended paver decking. As the sun sets, professional exterior landscape lighting transforms the property into a glowing oasis. Key structural upgrades include a new roof installed in 2023 for total peace of mind and a spacious 3-car garage with professional epoxy flooring. Living in the gated River Bend community grants exclusive access to a state-of-the-art fitness center, professional tennis and basketball courts, a playground, and an Olympic-size resort pool with a splash pad. Residents also enjoy a private community dock and boardwalk providing direct access to the Little Manatee River. This is more than a home; it is a turnkey masterpiece designed for those who demand the absolute best in Florida luxury living. Whether you are looking for a modern sanctuary or an entertainer’s dream, this Ruskin jewel is ready for its next owner.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,918
Sqft
0.28 ac
Lot size
3
Garage
2014
Year built
Two
Levels
$246
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.
$6,213 /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
$6,213/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
−29%
$/sqft vs Ruskin actives
$246 vs $181
Days on market
135 vs 51 typical
Where $246/sqft sits among the 274 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 274
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 184% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 2504 CUMBERLAND CLIFF 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$575,000
216 ORANGE MILL AVE · same community
7 bd · 4 ba · 4,250 sqft · $135/sqft · 35 DOM
Sold · Mar ’26$399,900
2415 CUMBERLAND CLIFF DRIVE · same community
4 bd · 3 ba · 2,254 sqft · $177/sqft · 9 DOM
Sold · Mar ’26$586,000
2111 COLVILLE CHASE DRIVE
5 bd · 4 ba · 3,505 sqft · $167/sqft · 80 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 2504 CUMBERLAND CLIFF DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2504 CUMBERLAND CLIFF 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
2504 CUMBERLAND CLIFF DRIVE FAQs
What would the monthly payment be for 2504 CUMBERLAND CLIFF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,213/mo — principal and interest, the actual property-tax bill, the $63/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 2504 CUMBERLAND CLIFF DRIVE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2504 CUMBERLAND CLIFF DRIVE?+
The most recent tax bill on record (2025) was $5,056. 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 2504 CUMBERLAND CLIFF DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $965,000, this home is listed about 176% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 2504 CUMBERLAND CLIFF 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
Three things that matter here
01Positioned at the premium end
$965,000 runs 184% above the RUSKIN 33570 median — but at 3,918 sqft it's also nearly twice the size of the typical Ruskin listing.
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
135 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · De'Erika Watson. MLS #TB8484931.
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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