636 CHATHAM WALK DRIVE, RUSKIN, FL, 33570
Active107 days on marketListed Apr 16, 2026MLS #TB8496377
About this home
636 CHATHAM WALK DRIVE
Don’t miss your chance to own this beautifully maintained waterfront home in the highly sought-after Wynnmere West community! This 3-bedroom, 2-bathroom residence offers a perfect blend of comfort, style, and functionality with an inviting open-concept design ideal for both everyday living and entertaining. From the moment you enter, you’ll notice the updated flooring that flows seamlessly throughout, creating a cohesive and modern feel. The spacious living room is filled with natural light and offers stunning water views through large windows, enhancing the home’s bright and airy atmosphere. The kitchen is centrally located and opens to the main living and dining areas, providing ample cabinetry, counter space, and a layout that keeps you connected while hosting family and guests. The primary suite offers a relaxing retreat with tranquil water views, generous closet space, and a private en suite bath. Two additional bedrooms are well-sized and versatile, perfect for guests, a home office, or hobby space. Step outside to enjoy your private backyard oasis overlooking the water—an ideal setting for morning coffee, outdoor dining, or unwinding at the end of the day while taking in peaceful sunset views. Additional highlights include a well-maintained interior, functional layout, and a location that truly stands out. Conveniently located, this home is within an hour of Florida’s renowned Gulf Coast beaches and just a short drive to Tampa and St. Petersburg, offering easy access to top-rated dining, shopping, entertainment, and major roadways. This is a fantastic opportunity to own a waterfront home in a prime location!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,522
Sqft
0.13 ac
Lot size
2
Garage
2017
Year built
One
Levels
$207
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.
$2,786 /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
$2,786/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
+18.5%
$/sqft vs Ruskin actives
$207 vs $181
Days on market
107 vs 51 typical
Where $207/sqft sits among the 278 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)
156 of 278
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 636 CHATHAM WALK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$205,200
710 CHATHAM WALK DRIVE · same community
3 bd · 2 ba · 1,404 sqft · $146/sqft · 51 DOM
Sold · Mar ’26$279,900
906 WYNNMERE WALK AVENUE · same community
4 bd · 2 ba · 1,839 sqft · $152/sqft · 24 DOM
Sold · Apr ’26$312,000
729 CHATHAM WALK DRIVE · same community
4 bd · 2 ba · 1,880 sqft · $166/sqft · 70 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 636 CHATHAM WALK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 636 CHATHAM WALK 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
636 CHATHAM WALK DRIVE FAQs
What would the monthly payment be for 636 CHATHAM WALK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,786/mo — principal and interest, the actual property-tax bill, the $25/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 636 CHATHAM WALK DRIVE?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 636 CHATHAM WALK DRIVE?+
The most recent tax bill on record (2025) was $7,295. 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 636 CHATHAM WALK 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 $314,900, this home is listed about 10% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 636 CHATHAM WALK 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
01Under the RUSKIN 33570 market on paper
$314,900 is 7% below the RUSKIN 33570 median of $340,000, and at $207/sqft it sits under the Ruskin average of $221.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
107 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 KELLER WILLIAMS SOUTH SHORE · Jeffrey Maust. MLS #TB8496377.
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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