815 2ND AVENUE NW, RUSKIN, FL, 33570
Active40 days on marketListed Jun 23, 2026MLS #TB8521833
About this home
815 2ND AVENUE NW
The world is your oyster and so is this dwelling located at 815 2nd Avenue NW in Ruskin, Florida. Experience true Florida waterfront living at its finest in this one of a kind 6-bedroom, 5-bathroom, coastal estate offering direct access to the Bay. It’s nestled on a beautifully landscaped gated property, this unrivaled residence blends privacy, recreation, and everything required to live the good life on this lavish waterfront sanctuary. Boating enthusiasts will be stoked with the private dock and boat port making it a breeze to spend your days on the open water. Guests can unwind on their own private sandy shore and gather around the waterfront firepit to take in the ambiance of Florida’s exceptional nature and sunsets. This home features over 5,000 square feet of expansive living areas, generously sized bedrooms, and an open concept layout that is optimal for entertaining. Also included are two full kitchens perfect for hosting extended family or multi-generational living. That is not including the kitchen that is located in the attached guest house that also features a private entrance, immense bedroom, full bathroom, living room, and dining room. A fully equipped professional-style gym and versatile floor plan further enhance the home’s appeal. No HOA or CDD fees, ample space for boats and RVs, and prime waterfront location. This property is a rare opportunity ideal as a luxury residence, family compound, or investment. There is a commercial property that is zoned PD-MU with .21 of an acre that is at 826 West Shell Point with a separate folio. This is adjacent on the north side of the property that can be purchased for an additional $200,000, which allows for boundless opportunities. Contact us for your private showing.
Facts & features
The home at a glance
6
Bedrooms
5
Bathrooms
5,006
Sqft
0.35 ac
Lot size
4
Garage
1984
Year built
Two
Levels
$220
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.
$7,087 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,087/mo
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.
$/sqft vs Ruskin actives
$220 vs $180
Days on market
40 vs 51 typical
Where $220/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 City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
Ruskin City — neighborhood snapshot
Population
2,490
Median age
42
Median income
$70,544
Median home value
$268,770
Avg household
3
Households w/ children
290
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)
154 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 224% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 815 2ND AVENUE NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$574,900
503 1ST AVENUE NW · same community
3 bd · 4 ba · 2,594 sqft · $222/sqft · 4 DOM
Sold · Jul ’26$410,000
506 3RD AVENUE SE · same community
4 bd · 3 ba · 2,349 sqft · $175/sqft · 208 DOM
Sold · Feb ’26$330,000
511 W COLLEGE AVENUE · same community
3 bd · 2.5 ba · 2,117 sqft · $156/sqft · 3 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 815 2ND AVENUE NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 815 2ND AVENUE NW — 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
815 2ND AVENUE NW FAQs
What would the monthly payment be for 815 2ND AVENUE NW?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,087/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 815 2ND AVENUE NW?+
The most recent tax bill on record (2025) was $6,952. 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 815 2ND AVENUE NW?+
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 $1,100,000, this home is listed about 214% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 815 2ND AVENUE NW?+
Thompson Elementary (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 RE/MAX REALTY UNLIMITED · Candy Smith. MLS #TB8521833.
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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