106 STEVEN STREET, RUSKIN, FL, 33570
Active90 days on marketListed Apr 25, 2026MLS #TB8501771
About this home
106 STEVEN STREET
Newly Priced at $574,900. Some homes are just addresses. This one is a lifestyle. Nestled along the open bay with direct water access, this beautifully reimagined Tampa Bay retreat delivers the effortless waterfront living you've been searching for — and the serious infrastructure to back it up. Across 1,580 square feet of thoughtfully refreshed living space, three bedrooms and two redesigned bathrooms strike the perfect balance of comfort and style. The completely renovated kitchen is the heart of the home, featuring crisp white shaker cabinets, gleaming granite countertops, and top-of-the-line appliances — equally suited for quiet mornings with a bay view or entertaining after a day on the water. Step outside and the property truly comes into its own. A brand-new boat lift (2023) sits ready at the water's edge, with generous RV and boat parking that serious boaters will immediately appreciate. The backyard blends function with charm: custom-built raised vegetable gardens bring a rare, grounded beauty to the space, while a versatile work shed — easily converted to a private home office — adds flexibility for however you choose to live. A spacious carport completes the picture. Peace of mind is built in, not bolted on. Every major system has been addressed: a 50-year metal roof (2020), new AC (2021), full whole-house replumb to the street (2022), and hurricane-impact windows and doors (2024) mean you inherit quality, not projects. This is Tampa Bay waterfront living at its finest — move-in ready, meticulously upgraded, and priced with a motivated seller ready to make a deal. Your next chapter starts here. And right now, the seller is helping you get there.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,580
Sqft
0.21 ac
Lot size
1965
Year built
One
Levels
$348
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 — not generic estimates.
$4,167 /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
$4,167/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
+25.1%
$/sqft vs Ruskin actives
$348 vs $178
Days on market
90 vs 51 typical
Where $348/sqft sits among the 291 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 →
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
159 of 291
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 106 STEVEN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$625,000
109 CARMELINA STREET · same community
3 bd · 2 ba · 1,655 sqft · $378/sqft · 380 DOM
Sold · Dec ’25$385,000
3257 MANGROVE POINT DRIVE
3 bd · 3 ba · 1,571 sqft · $245/sqft · 14 DOM
Sold · Dec ’25$400,000
807 SEABREEZE DRIVE
2 bd · 2 ba · 1,618 sqft · $247/sqft · 5 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 106 STEVEN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 106 STEVEN STREET — 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
106 STEVEN STREET FAQs
What would the monthly payment be for 106 STEVEN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,167/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 106 STEVEN STREET?+
The most recent tax bill on record (2024) was $6,323. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $549,900, this home is listed about 57% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$549,900 runs 57% above the Ruskin median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $599,900, now $549,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of POWELL REALTY · Cody Powell. MLS #TB8501771.
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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