David Ramirez
$550,0004 bd3 ba2,557 sqft$215 /sqft$4,446 /mo all-in ↓

809 TIMELESS MOSS DRIVE, RUSKIN, FL, 33570

Active7 days on marketListed Jul 14, 2026MLS #TB8528848

Private poolSingle Family ResidenceMILLS BAYOU

About this home

809 TIMELESS MOSS DRIVE

This immaculate 4-bed + OFFICE/DEN, 3-bath, 3-car WATER VIEW POOL HOME is understated from the street, absolutely unforgettable from the backyard, and anything but ordinary. Enjoy all the perks of being on water without the stress, as this lot is not in a flood zone. Features abound in this sleeper hit of the neighborhood: resort-style SALTWATER pool & spa, PAVER DECK, screened lanai, over a QUARTER-ACRE lot, covered front porch, fully fenced yard with pet-friendly turf, an organic garden, irrigation system, HURRICANE SHUTTERS, modern construction throughout (built in 2020), and breathtaking (west-facing) sunset views over the community-owned waterfront park bordering Mills Bayou. The OPEN-CONCEPT layout of this one-story Santa Fe floorplan is thoughtfully designed for flexibility, entertaining, and overall effortless living. CERAMIC TILE in all wet areas, LUXURY VINYL PLANK in the primary, and plush carpet in the other bedrooms. The expansive primary suite is located away from the secondary bedrooms in this SPLIT-FLOORPLAN layout for added tranquility, and includes a large WALK-IN CLOSET and luxurious EN-SUITE BATHROOM complete with a DUAL-SINK VANITY, shower stall, and water closet. The private guest suite would be an ideal solution for multi-generational living or extended visits with its WALK-IN CLOSET and EN-SUITE BATHROOM, and the two front bedrooms are situated on either side of the third full bathroom. The Great Room connects a dedicated office/den with a welcoming living area, dining area, and a stunning kitchen that must be every chef's dream. This incredible kitchen features STAINLESS STEEL APPLIANCES, island with BREAKFAST BAR seating, commercial-style ventilation above stove, generous prep space, and a WALK-IN PANTRY. The storage space in this home is unmatched - from the abundances of closets to the oversized garage, even the laundry room has been upgraded with cabinetry! The interior of this home truly shines from top to bottom, and the exterior is no exception. The screened saltwater pool includes a sundeck, spa, and both heater and chiller for year-round enjoyment. The west-facing backyard captures stunning sunset views over tranquil water and preserved greenery beyond. Designed for beauty without the upkeep, the yard is fully irrigated, thoughtfully landscaped, and features a raised garden bed with organic soil and mulch for homegrown herbs and vegetables. Mills Bayou is a community of 50 homes, and the association owns waterfront land visible from this home. There is a fenced dog park, a park, and a dock all available to the neighborhood residents. Domino Park Boat Ramp is only a few minutes away (less than a mile) for any boating enthusiasts. This is not a “drive-by” home — it’s a property that reveals its value once you step inside. For anyone looking for quality construction, privacy, and unforgettable sunset views, this home delivers.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,557

Sqft

0.26 ac

Lot size

3

Garage

2020

Year built

One

Levels

$215

Per sqft

Private poolPool & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesEast
ParkingDriveway
ExteriorHurricane Shutters · Irrigation System · Private Yard · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$124/mo
Taxes (2025)$8,173/yr
PetsYes
CommunityDock · Fishing · River · Deed Restrictions · Dog Park · Park · Sidewalks

Utilities & systems

UtilitiesElectricity Connected · Public
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.

$4,446 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$681
HOA fee — from the listing$124
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,250Loan30-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% · $19,250
Interest rate6.00%
Loan term

Estimated payment

$4,446/mo

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$681
HOA / condo fee$124
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 $550K
$459KedgeAI estimate $525,871 · range $478K$593K$617K

vs edgeAI estimate

+4.6%

$/sqft vs Ruskin actives

$215 vs $180

Days on market

7 vs 51 typical

Where $215/sqft sits among the 286 Ruskin actives

132
82 · this home
24
13
11
24
$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 809 TIMELESS MOSS 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)

161 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 64% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

Jul 14, 2026Listed at $550,000 · 7 days on market since
2020Built · MILLS BAYOU

Reality check

What actually sold near 809 TIMELESS MOSS DRIVE

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

917 TIMELESS MOSS DRIVESold · Nov ’25

$348,000

917 TIMELESS MOSS DRIVE · same community

4 bd · 2.5 ba · 2,465 sqft · $141/sqft · 71 DOM

2616 YUKON CLIFF DRIVESold · Dec ’25

$455,000

2616 YUKON CLIFF DRIVE

4 bd · 3 ba · 2,581 sqft · $176/sqft · 2 DOM

2509 RIVER BRIAR BOULEVARDSold · Apr ’26

$236,000

2509 RIVER BRIAR BOULEVARD

3 bd · 2.5 ba · 2,617 sqft · $90/sqft · 147 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 809 TIMELESS MOSS 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 809 TIMELESS MOSS 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

809 TIMELESS MOSS DRIVE FAQs

What would the monthly payment be for 809 TIMELESS MOSS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,446/mo — principal and interest, the actual property-tax bill, the $124/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 809 TIMELESS MOSS DRIVE?+

The association fee works out to $124 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 809 TIMELESS MOSS DRIVE?+

The most recent tax bill on record (2025) was $8,173. 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 809 TIMELESS MOSS DRIVE?+

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 $550,000, this home is listed about 57% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.

Which schools are assigned to 809 TIMELESS MOSS 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

$550,000 runs 64% above the RUSKIN 33570 median — but at 2,557 sqft it's also 36% larger than the typical Ruskin listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 7 days on market in a Ruskin market that averages 51 — if it fits, move quickly.

Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Cathy Griggs. MLS #TB8528848.

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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