103 W NORTH BRANCH ROAD, RUSKIN, FL, 33570
Active53 days on marketListed Jun 9, 2026MLS #TB8517271
About this home
103 W NORTH BRANCH ROAD
TURNKEY COASTAL LUXURY: Completely Reimagined 3/2 Waterfront Oasis with Direct Tampa Bay Access! An absolute showstopper on the water! Skip the renovation stress—this solid BLOCK home has been completely stripped down, beautifully redesigned, and expanded into a stunning 3-bedroom, 2-bathroom coastal masterpiece. Sitting on over a quarter-acre lot with a massive 139 feet of saltwater canal frontage, this property perfectly blends high-end modern design with the ultimate Florida outdoor lifestyle. The Interior: Step into a bright open floor plan featuring wood-look tile floors throughout, a custom wood-slat media wall, and a gorgeous main bath with a reeded wood double vanity. The chef’s kitchen boasts an oversized waterfall island, premium stainless appliances, and chic subway tile. Stay tech-forward with a Nest thermostat and a 240V EV charging outlet in the driveway. The Backyard Playground: Enjoy a brand-new turf putting green, fire pit lounge, fresh landscaping, and new privacy fencing. Dolphins and manatees literally come visit in the canal out back! For boaters, it’s just minutes to Tampa Bay from your private boathouse, featuring a 10,000-lb sling lift (2023) with brand-new cables just installed last month, and a new boathouse roof (2024). Plus, there is a massive 18'x20' powered metal shed with a storage loft for all your gear. Peace of Mind: Fully rewired with a brand-new electrical panel (2025), impact windows, updated plumbing (2021), HVAC (2019), and roof (2017). This is the turnkey waterfront paradise you've been waiting for
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,637
Sqft
0.29 ac
Lot size
1969
Year built
One
Levels
$305
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.
$3,781 /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
$3,781/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
+20.7%
$/sqft vs Ruskin actives
$305 vs $180
Days on market
53 vs 51 typical
Where $305/sqft sits among the 275 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)
153 of 275
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 103 W NORTH BRANCH ROAD
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$449,000
105 12TH STREET SW
3 bd · 3 ba · 1,582 sqft · $284/sqft · 22 DOM
Sold · May ’26$449,000
105 12th St SW, Other City - In The State Of Florida FL 33570
3 bd · 3 ba · 1,582 sqft · $284/sqft · 45 DOM
Sold · May ’26$675,000
1706 SAFFOLD PARK DRIVE
3 bd · 2 ba · 1,737 sqft · $389/sqft · 79 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 103 W NORTH BRANCH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 W NORTH BRANCH ROAD — 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
103 W NORTH BRANCH ROAD FAQs
What would the monthly payment be for 103 W NORTH BRANCH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,781/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 103 W NORTH BRANCH ROAD?+
The most recent tax bill on record (2025) was $5,485. 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 103 W NORTH BRANCH ROAD?+
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 $499,900, this home is listed about 43% 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
$499,900 runs 43% 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 $524,900, now $499,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Rudi Ramnanan. MLS #TB8517271.
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.
Never miss a listing
New Ruskin homes, in your inbox
Like 103 W NORTH BRANCH ROAD but not quite? A daily digest of every new listing in Ruskin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →