David Ramirez
$369,999$389,9995 bd3 ba2,557 sqft$145 /sqft$3,285 /mo all-in ↓

146 RAIN BERRY AVENUE, RUSKIN, FL, 33570

Active31 days on marketListed Jul 2, 2026MLS #TB8525079

Reduced $20KSingle Family ResidenceOSPREY RESERVE

About this home

146 RAIN BERRY AVENUE

Short Sale. If you've been searching for a home with space for everyone, your search ends here! This beautifully maintained 5-bedroom, 3-bath home, built in 2021, offers over 2,600 square feet of thoughtfully designed living space and a spacious 3-car garage. As the only five-bedroom floor plan in the community, this rare home is perfect for growing families, multi-generational living, or anyone who simply wants extra room to live, work, and entertain. A charming covered front porch welcomes you inside, where soaring 9-foot ceilings and an open, airy layout create an inviting atmosphere. The split-bedroom floor plan features two private suites, making it ideal for guests or extended family. Every bedroom is generously sized with walk-in closets and custom shelving, providing exceptional storage throughout. The heart of the home is the expansive kitchen, designed for both everyday living and entertaining. It features an oversized island with seating, granite countertops, rich wood cabinetry, stainless steel appliances, a walk-in pantry, upgraded fixtures, and abundant cabinet space. The kitchen flows seamlessly into the spacious living and dining areas, creating the perfect place to gather with family and friends. The primary suite has been thoughtfully enhanced for added privacy and includes a customized walk-in closet. The oversized 3-car garage offers additional overhead storage and plenty of room for vehicles, hobbies, or a workshop. Outside, enjoy a large backyard patio with peaceful water views—an ideal setting for entertaining, grilling, or simply relaxing after a long day. Conveniently located in the growing community of Ruskin, you'll enjoy quick access to I-75, US-41, shopping, dining, schools, parks, and the beautiful Gulf Coast. Combining space, functionality, energy efficiency, and modern design, this move-in-ready home is one you won't want to miss.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,557

Sqft

0.18 ac

Lot size

3

Garage

2021

Year built

One

Levels

$145

Per sqft

Pets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Split Bedroom · Stone Counters · Thermostat Attic Fan · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorHurricane Shutters · Irrigation System · Private Yard · Sidewalk

Community & fees

HOA fee$117/mo
Taxes (2025)$7,994/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · Solar · Street Lights · 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.

$3,285 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,178
FHA mortgage insurance (est.)$164
Property tax — 2025 actual bill$666
HOA fee — from the listing$117
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,950Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,950
Interest rate6.00%
Loan term

Estimated payment

$3,285/mo

Principal & interest$2,178
FHA mortgage insurance (est.)$164
Property taxes (actual bill)$666
HOA / condo fee$117
Est. insurance$160

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.

List $370K
$355KedgeAI estimate $430,131 · range $413K$464K$482K

vs edgeAI estimate

−14%

$/sqft vs Ruskin actives

$145 vs $181

Days on market

31 vs 51 typical

Where $145/sqft sits among the 274 Ruskin actives

126 · this home
77
23
14
12
22
$129–177$177–225$225–272$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 146 RAIN BERRY AVENUE

Drive times from this address

Downtown Tampa29 min
Tampa Int’l Airport (TPA)42 min

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

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)

152 of 274

Ruskin actives have cut their price

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

This home is listed 9% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

CurrentPrice reduced to $369,999 $20K
Jul 2, 2026Listed at $389,999 · 31 days on market since
2021Built · OSPREY RESERVE

Reality check

What actually sold near 146 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.

451 SUNLIT CORAL STREETSold · Jul ’26

$339,900

451 SUNLIT CORAL STREET

5 bd · 3 ba · 2,522 sqft · $135/sqft · 48 DOM

636 OLIVE CONCH STREETSold · Sep ’25

$360,000

636 OLIVE CONCH STREET

5 bd · 3 ba · 2,522 sqft · $143/sqft · 36 DOM

413 ROYAL EMPRESS DRIVESold · Apr ’26

$390,000

413 ROYAL EMPRESS DRIVE

6 bd · 3 ba · 2,614 sqft · $149/sqft · 308 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 146 RAIN BERRY AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 146 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.

Goes straight to David’s phone and CRM.

Straight answers

146 RAIN BERRY AVENUE FAQs

What would the monthly payment be for 146 RAIN BERRY AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,285/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 146 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 146 RAIN BERRY AVENUE?+

The most recent tax bill on record (2025) was $7,994. 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 146 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 $369,999, this home is listed about 6% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.

Which schools are assigned to 146 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.

Listing courtesy of WEICHERT REALTORS EXCLUSIVE PROPERTIES · Hector Contreras. MLS #TB8525079.

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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