1846 SILVER STAR PLACE, RUSKIN, FL, 33570
Active9 days on marketListed Jul 15, 2026MLS #TB8527814
About this home
1846 SILVER STAR PLACE
3200 + sq ft home with 5-Bedroom, 3.5-Bath, and no backyard neighbors. Pond-Front Home with Bonus Room in Spencer Creek! Welcome home to over 3,250 square feet of beautifully designed living space offering a large 2nd-floor bonus room and a versatile 1st-floor flex space—perfect for today's growing families and those who love to entertain. Step inside to discover a bright, open-concept floor plan where the kitchen, dining, and family room seamlessly flow together, creating the ideal gathering place for everyday living and special occasions. The chef's kitchen is the centerpiece of the home, featuring a large center island with seating and granite countertops, abundant cabinetry, a walk-in pantry to keep everything organized, and an open view of the dining and living areas, making it easy to stay connected while preparing meals. A flexible room on the first floor provides endless possibilities as a home office, playroom, formal living room, fitness area, or hobby space to suit your lifestyle. Tucked away at the rear of the home for added privacy, the spacious first-floor owner's suite serves as a peaceful retreat with a large walk-in closet and a private en-suite bathroom designed for comfort and convenience. Upstairs, you'll find four generously sized bedrooms, two full bathrooms, and an oversized bonus room that can easily become a media room, game room, home theater, teen retreat, or second family room. With so much flexible space, there's room for everyone to spread out and enjoy. Situated on a homesite with a serene pond view, the expansive backyard offers endless opportunities to create your dream outdoor oasis. Add a pool, build an outdoor kitchen, create a play area, or simply relax and enjoy the extra space. Residents of Spencer Creek enjoy a convenient location with easy access to I-75 and US-41, making commuting a breeze while remaining close to shopping, dining, parks, top-rated schools, medical facilities, and Tampa Bay's world-renowned Gulf Coast beaches. Combining generous living space, flexible floor plan, modern design, and an exceptional location, this move-in-ready home offers everything today's buyers are searching for. Schedule your private tour today and discover why this Spencer Creek home is the perfect place to call home! Home is NOT homesteaded for taxes, and CDD fees are included in taxes.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,346
Sqft
0.17 ac
Lot size
3
Garage
2021
Year built
Two
Levels
$120
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.
$3,691 /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
$3,691/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
−32.1%
$/sqft vs Ruskin actives
$120 vs $180
Days on market
9 vs 51 typical
Where $120/sqft sits among the 286 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)
162 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 19% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1846 SILVER STAR PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$420,000
1555 COLDING DRIVE · same community
5 bd · 3 ba · 2,557 sqft · $164/sqft · 29 DOM
Sold · Nov ’25$445,000
1757 FRED IVES STREET · same community
5 bd · 2.5 ba · 2,415 sqft · $184/sqft · 110 DOM
Sold · May ’26$400,000
608 WASHITA STONE DRIVE
5 bd · 4 ba · 3,414 sqft · $117/sqft · 71 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 1846 SILVER STAR PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1846 SILVER STAR PLACE — 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
1846 SILVER STAR PLACE FAQs
What would the monthly payment be for 1846 SILVER STAR PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,691/mo — principal and interest, the actual property-tax bill, the $13/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 1846 SILVER STAR PLACE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1846 SILVER STAR PLACE?+
The most recent tax bill on record (2025) was $11,830. 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 1846 SILVER STAR PLACE?+
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 $400,000, 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 1846 SILVER STAR PLACE?+
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 KELLER WILLIAMS SUBURBAN TAMPA · Daniel Henzler. MLS #TB8527814.
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 1846 SILVER STAR PLACE 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 →