509 ROYAL EMPRESS DRIVE, RUSKIN, FL, 33570
Active114 days on marketListed Apr 2, 2026MLS #TB8492673
About this home
509 ROYAL EMPRESS DRIVE
Virtually Staged. Welcome to this beautifully maintained 6-bedroom, 3-bathroom home built in 2022, offering 2,624 square feet of thoughtfully designed living space in the desirable Glencove community in Ruskin, a neighborhood with low HOA fees and no CDD. This property may qualify for USDA 100% financing for eligible buyers. The open-concept layout creates an inviting flow between the kitchen, dining, and living areas, making the home perfect for both everyday living and entertaining. The kitchen features white cabinetry, granite countertops, stainless steel appliances, and a large center island that provides generous prep space and seating. A first-floor bedroom and full bathroom provide flexibility for guests, multigenerational living, or a private home office. Upstairs you’ll find five spacious bedrooms and a versatile loft area, ideal for a second living room, playroom, or workspace. The primary suite is generously sized and features an en-suite bathroom with dual vanities, a private water closet, and a beautifully upgraded custom walk-in closet system designed for maximum organization. The laundry room is conveniently located upstairs near the bedrooms. Tile flooring runs throughout the main living areas and bathrooms, while all bedrooms feature comfortable carpeting. Step outside to enjoy the screened-in lanai with brick pavers, the perfect place to relax or entertain while taking in peaceful views of trees and natural greenery in the backyard. Residents of the Glencove community enjoy a neighborhood pool, sidewalks and walking trails. The location offers easy access to US-41, I-75, and US-301, making commuting to Tampa, St. Petersburg, and Sarasota convenient. The home is also just minutes from waterfront parks, marinas, and popular local dining including Sunset Bar & Grill at Little Harbor, known for its beautiful Tampa Bay sunset views and waterfront dining, Ybor Grille for homemade Latin cuisine and Old Castle Restaurant known for authentic German dishes. These neighborhood spots help make Ruskin a favorite for locals who enjoy great food close to home. This nearly new home offers modern construction, a flexible floor plan, beautiful outdoor space, and a prime location near Tampa Bay, making it a fantastic opportunity in one of Ruskin’s growing communities.
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
2,624
Sqft
0.14 ac
Lot size
2
Garage
2022
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.
$3,264 /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
$3,264/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
+6.8%
$/sqft vs Ruskin actives
$149 vs $180
Days on market
114 vs 51 typical
Where $149/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
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)
163 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 16% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 509 ROYAL EMPRESS DRIVE
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$390,000
413 ROYAL EMPRESS DRIVE · same community
6 bd · 3 ba · 2,614 sqft · $149/sqft · 308 DOM
Sold · Mar ’26$309,150
321 BLUE POINT DRIVE
5 bd · 3 ba · 2,674 sqft · $116/sqft · 64 DOM
Sold · Sep ’25$241,500
509 DELWOOD BRECK STREET
5 bd · 3 ba · 2,457 sqft · $98/sqft · 52 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 509 ROYAL EMPRESS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 509 ROYAL EMPRESS 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
509 ROYAL EMPRESS DRIVE FAQs
What would the monthly payment be for 509 ROYAL EMPRESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,264/mo — principal and interest, the actual property-tax bill, the $144/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 509 ROYAL EMPRESS DRIVE?+
The association fee works out to $144 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 509 ROYAL EMPRESS DRIVE?+
The most recent tax bill on record (2025) was $5,904. 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 509 ROYAL EMPRESS 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 $389,900, this home is listed about 11% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 509 ROYAL EMPRESS 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
$389,900 runs 16% above the RUSKIN 33570 median — but at 2,624 sqft it's also 40% larger than the typical Ruskin listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
114 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 $395,000, now $389,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Karen Woods. MLS #TB8492673.
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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