David Ramirez
$979,900$989,9003 bd2.5 ba2,447 sqft$400 /sqft$6,983 /mo all-in ↓

1108 SEAGRAPE DRIVE, RUSKIN, FL, 33570

Active48 days on marketListed Jun 3, 2026MLS #TB8514726

Reduced $10KWaterfrontSingle Family ResidenceANTIGUA COVE PH 3B

About this home

1108 SEAGRAPE DRIVE

Welcome to waterfront living at its finest in the highly sought-after Southshore Yacht Club at Little Harbor! This stunning Biscayne II residence offers 2,403 sq ft featuring 3 bedrooms, 2.5 baths, a private office, spacious loft, and 2-car garage. Perfectly positioned on a premier homesite, this property showcases a rare big-water view of a saltwater lagoon, offering panoramic open water vistas and privacy rarely found in Tampa Bay waterfront communities. For boating enthusiasts, this home is turnkey with a brand-new private dock and 13,000-lb boat lift. Enjoy direct deep-water, no-bridge access to Tampa Bay and the Gulf of Mexico, accommodating center consoles, cruisers, and sailboats. Your boat is always steps away for fishing, dining, island hopping, or sunset cruises. A standout feature is the oversized backyard with ample room for a custom resort-style pool—something rarely available on comparable waterfront lots. Pool plans are already completed and available to the buyer for a seamless start to your outdoor oasis. Also, the first-floor office has been significantly enhanced with custom-built cabinetry, shelving, and integrated storage added by the homeowner, creating a highly functional and refined workspace. Outdoor living is enhanced by a screened lanai overlooking the lagoon, ideal for morning coffee, sunsets, and watching dolphins and manatees in the peaceful waterfront setting. Inside, the open-concept layout connects the gourmet kitchen, dining, and great room. The first-floor office features custom built-ins and upgraded cabinetry, creating a refined, functional workspace. Upstairs includes a spacious loft and a luxurious owner’s suite with water views and spa-style bath. Built with elevated coastal resilience in mind, the home includes impact-rated windows and sliding glass doors, along with modern construction standards designed for enhanced storm protection and durability. Residents enjoy resort-style amenities including a waterfront clubhouse, marina, pool, fitness center, pickleball, basketball, trails, private beach access, and waterfront dining. A major advantage is the exceptionally low flood insurance premium of just $887/year, reflecting the home’s newer construction and storm-resilient design features, including impact protection and elevated building standards. This is a rare opportunity to own a nearly new waterfront home with big-water lagoon views, deep-water no-bridge access, new dock and 13,000-lb lift, custom office, pool-ready yard, and premier coastal lifestyle—all in one of the area’s most desirable communities.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,447

Sqft

0.11 ac

Lot size

2

Garage

2024

Year built

Two

Levels

$400

Per sqft

WaterfrontWater viewNegotiable

Inside

FlooringCeramic Tile · Engineered Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener
InteriorBuilt-in Features · Dry Bar · High Ceilings · In Wall Pest System · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Tray Ceiling(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Wood Frame
FoundationSlab
ViewWater
FacesNortheast
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Door Opener
ExteriorIrrigation System · Outdoor Grill · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$140/mo
Taxes (2025)$12,334/yr
PetsCats OK, Dogs OK
CommunityBay/Harbor Front · Dock · Fishing · Gulf/Ocean Front · Association Recreation - Owned · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Propane · Public · Sewer Connected · Sprinkler Meter · Underground Utilities · Water Connected
WaterPublic

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.

$6,983 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,287
PMI (est., until 20% equity)$367
Property tax — 2025 actual bill$1,028
HOA fee — from the listing$140
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $97,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $97,990
Interest rate6.00%
Loan term

Estimated payment

$6,983/mo

Principal & interest$5,287
PMI (est., until 20% equity)$367
Property taxes (actual bill)$1,028
HOA / condo fee$140
Est. insurance$160

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.

List $980K
$556KedgeAI estimate $600,559 · range $579K$640K$1.0M

vs edgeAI estimate

+63.2%

$/sqft vs Ruskin actives

$400 vs $180

Days on market

48 vs 51 typical

Where $400/sqft sits among the 286 Ruskin actives

132
83
24
13
11
23 · this home
$128–176$176–224$224–272$272–320$320–368$368+

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

Map of 1108 SEAGRAPE DRIVE

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

ElementaryRuskin Elementary School★★★★★
HighLennard High School★★★★★
MiddleShields Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ruskin market

Seller’s marketBalanced6.3 months of inventoryBuyer’s market

$330K$320K

Ruskin median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

160 of 286

Ruskin actives have cut their price

Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 193% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

CurrentPrice reduced to $979,900 $10K
Jun 3, 2026Listed at $989,900 · 48 days on market since
2024Built · ANTIGUA COVE PH 3B

Reality check

What actually sold near 1108 SEAGRAPE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1128 SEAGRAPE DRIVESold · Jan ’26

$900,000

1128 SEAGRAPE DRIVE · same community

4 bd · 3.5 ba · 2,913 sqft · $309/sqft · 32 DOM

821 WHITE HERON BOULEVARDSold · Mar ’26

$579,000

821 WHITE HERON BOULEVARD

3 bd · 2 ba · 2,433 sqft · $238/sqft · 26 DOM

319 19TH STREET NWSold · Jun ’26

$368,500

319 19TH STREET NW

4 bd · 3 ba · 2,472 sqft · $149/sqft · 39 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1108 SEAGRAPE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1108 SEAGRAPE 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.

Goes straight to David’s phone and CRM.

Straight answers

1108 SEAGRAPE DRIVE FAQs

What would the monthly payment be for 1108 SEAGRAPE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,983/mo — principal and interest, the actual property-tax bill, the $140/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 1108 SEAGRAPE DRIVE?+

The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1108 SEAGRAPE DRIVE?+

The most recent tax bill on record (2025) was $12,334. 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 1108 SEAGRAPE DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 $979,900, this home is listed about 180% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.

Which schools are assigned to 1108 SEAGRAPE 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

01Positioned at the premium end

$979,900 runs 193% above the RUSKIN 33570 median — but at 2,447 sqft it's also 31% 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.

03The price has already moved

Listed at $989,900, now $979,900 — a $10K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Ken Jones. MLS #TB8514726.

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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