138 RAIN BERRY AVENUE, RUSKIN, FL, 33570
Active72 days on marketListed May 22, 2026MLS #TB8507799
About this home
138 RAIN BERRY AVENUE
Welcome to Osprey Reserve, where modern construction, energy efficiency, and exceptional value come together in this beautifully maintained 2021 Lennar-built Phoenix model. This like-new, 4 bedroom, 3 car garage, single-story home offers the perfect combination of comfort, convenience, and long-term savings with NO CDD fees and a low HOA. One of the home's most attractive features is its solar panel system, helping keep utility costs remarkably low, with the current owner's average electric bill approximately $15 per month. Built with energy efficiency in mind, this home also features LED lighting, energy-efficient appliances, and modern construction standards designed to maximize comfort while minimizing monthly expenses. Inside, you'll find a thoughtfully designed open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating an ideal space for both everyday living and entertaining. The kitchen offers ample cabinet and counter space, stainless steel appliances, granite counters, modern finishes, and a functional layout that serves as the heart of the home. Step outside to one of the property's standout upgrades—a large covered and screened lanai enclosure, providing the perfect place to enjoy Florida's beautiful weather year-round. Whether you're hosting family and friends, enjoying your morning coffee, or relaxing after a long day, this outdoor living space significantly expands the home's usable square footage and lifestyle appeal. Located in the desirable Osprey Reserve community, residents enjoy a convenient location near shopping, dining, schools, major commuter routes, and the many recreational opportunities that make Florida living so desirable. For qualified buyers, this home presents an incredible financing opportunity with a VA assumable loan at just 2.75% interest, potentially offering substantial monthly savings compared to current market rates. Why wait for new construction when you can move right into this meticulously maintained home featuring modern finishes, energy-saving upgrades, a premium screened outdoor living space, low HOA fees, no CDD, and the opportunity to assume an attractive low-interest VA loan. Schedule your private showing today and discover everything this exceptional Osprey Reserve home has to offer.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,557
Sqft
0.18 ac
Lot size
3
Garage
2021
Year built
One
Levels
$156
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.
$3,495 /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
$3,495/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
−11.6%
$/sqft vs Ruskin actives
$156 vs $181
Days on market
72 vs 51 typical
Where $156/sqft sits among the 276 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 276
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 138 RAIN BERRY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$410,000
506 3RD AVENUE SE
4 bd · 3 ba · 2,349 sqft · $175/sqft · 208 DOM
Sold · Feb ’26$330,000
511 W COLLEGE AVENUE
3 bd · 2.5 ba · 2,117 sqft · $156/sqft · 3 DOM
Sold · Mar ’26$387,500
602 10TH STREET SW
3 bd · 3 ba · 2,085 sqft · $186/sqft · 100 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 138 RAIN BERRY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 138 RAIN BERRY AVENUE — 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
138 RAIN BERRY AVENUE FAQs
What would the monthly payment be for 138 RAIN BERRY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,495/mo — principal and interest, the actual property-tax bill, the $117/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 138 RAIN BERRY AVENUE?+
The association fee works out to $117 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 138 RAIN BERRY AVENUE?+
The most recent tax bill on record (2025) was $8,240. 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 138 RAIN BERRY AVENUE?+
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 $399,999, this home is listed about 14% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 138 RAIN BERRY AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of ARK REALTY · Joel Paredes. MLS #TB8507799.
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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