1414 DEIRDRE DRIVE, RUSKIN, FL, 33570
Active119 days on marketListed Mar 24, 2026MLS #TB8489781
About this home
1414 DEIRDRE DRIVE
Waterfront Luxury with Panoramic Views! Experience elevated coastal living in this stunning 4 bedroom, 3.5 bathroom waterfront estate offering over 3,150 square feet of beautifully updated living space. Perfectly positioned along the Ruskin Inlet, this exceptional two-story Colonial-style residence captures breathtaking water views from nearly every room—with unforgettable sunsets as your daily backdrop. Step inside to a bright, open-concept floor plan designed for both effortless entertaining and everyday luxury. The home has been completely renovated with high-end finishes, including luxury vinyl plank flooring throughout, designer lighting, updated plumbing and electrical systems, and a reimagined layout that maximizes both space and function. At the heart of the home is the gourmet kitchen, featuring double-thick granite countertops, a premium stainless steel appliance package, Samsung induction double oven, and a brand-new picture window framing serene waterfront views. The kitchen flows seamlessly into expansive living and dining areas, enhanced by a beautifully redone fireplace. TWO primary suites, both private retreats, boasting panoramic water views! One of the suites offers a spa-inspired bathroom with marble finishes, and a full steam room—creating the ultimate sanctuary. A previously converted bedroom now serves as an oversized custom walk-in closet, while additional flex space offers the perfect option for a home office or bonus room. Step outside to your private backyard oasis, where indoor-outdoor living truly shines. Enjoy a resurfaced pool with expanded decking, screened lanais on both levels overlooking the water, lush tropical landscaping with fruit trees including tangelo, mango, sapodilla (nesbury/St. Julian), and bananas and daily dolphin and manatee sightings. For boating enthusiasts, this property is a dream come true with a covered dock and 13,000 lb boat lift providing deep water access—perfect for exploring Tampa Bay and beyond. Additional highlights include newer roof (approx. 2–3 years old) with 50-year warranty, newer AC systems (approx. 1.5–2 years) tankless water heater, tiled laundry room with utility sink and expanded outdoor walkway and living space. Ideally located near parks, dining, beaches, and major airports, this home offers the perfect blend of luxury, convenience, and true Florida waterfront living.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,150
Sqft
0.35 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$365
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.
$7,796 /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
$7,796/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
+51.1%
$/sqft vs Ruskin actives
$365 vs $180
Days on market
119 vs 51 typical
Where $365/sqft sits among the 288 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
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)
160 of 288
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 243% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1414 DEIRDRE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,000,000
1750 SAFFOLD PARK DRIVE
4 bd · 3 ba · 3,152 sqft · $317/sqft · 106 DOM
Sold · Oct ’25$1,145,000
829 BLUE HERON BOULEVARD
3 bd · 2.5 ba · 3,128 sqft · $366/sqft · 3 DOM
Sold · Dec ’25$480,000
701 MADISON STREET SW
3 bd · 2.5 ba · 2,998 sqft · $160/sqft · 314 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 1414 DEIRDRE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1414 DEIRDRE 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
1414 DEIRDRE DRIVE FAQs
What would the monthly payment be for 1414 DEIRDRE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,796/mo — principal and interest, the actual property-tax bill, the $8/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 1414 DEIRDRE DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1414 DEIRDRE DRIVE?+
The most recent tax bill on record (2025) was $11,966. 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 1414 DEIRDRE 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 $1,149,000, this home is listed about 228% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1414 DEIRDRE 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
Four things that matter here
01Positioned at the premium end
$1,149,000 runs 243% above the RUSKIN 33570 median — but at 3,150 sqft it's also 68% larger than 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
119 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 $1,180,000, now $1,149,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP INNOVATION · Aprilyn Cloyd. MLS #TB8489781.
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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