428 CHIMNEY ROCK DRIVE, RUSKIN, FL, 33570
Active5 days on marketListed Jul 20, 2026MLS #TB8530627
About this home
428 CHIMNEY ROCK DRIVE
Welcome to this beautifully updated 5-bedroom, 3-bathroom home offering the perfect blend of style, space, and functionality. Step inside to a spacious flex room just off the entryway, ideal for a home office, playroom, formal living area, or workout space. The heart of the home is the stunning renovated kitchen, featuring white cabinetry, quartz countertops, an electric cooktop, built-in oven and microwave, upgraded appliances, a beverage station, and a large center island with seating, making it perfect for both everyday living and entertaining. Designed with both comfort and convenience in mind, this home features no carpet anywhere, offering easy maintenance and a clean, modern look throughout. For added peace of mind, both the roof and HVAC system were replaced in 2025. The thoughtfully designed floor plan includes a secondary bedroom and a full bathroom on the main level, providing an ideal setup for guests or multigenerational living. Upstairs, you'll find a spacious loft that offers additional living space for a media room, game room, or family lounge. The private primary suite features a beautifully renovated ensuite bathroom and a large walk-in closet. Three additional bedrooms and a third full bathroom complete the second floor. Step outside to the screened-in lanai overlooking a fully fenced backyard, creating the perfect setting to relax, entertain, or enjoy Florida's outdoor lifestyle. Conveniently located in Ruskin with easy access to shopping, dining, schools, and major commuter routes, this move-in-ready home combines thoughtful updates, flexible living spaces, and modern finishes throughout.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,105
Sqft
0.13 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$134
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.
$3,333 /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
$3,333/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
−13.3%
$/sqft vs Ruskin actives
$134 vs $180
Days on market
5 vs 51 typical
Where $134/sqft sits among the 289 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)
164 of 289
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 428 CHIMNEY ROCK DRIVE
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$220,000
1620 ATLANTIC DRIVE · same community
4 bd · 2.5 ba · 3,095 sqft · $71/sqft · 3 DOM
Sold · Nov ’25$350,000
316 CRICHTON STREET · same community
4 bd · 2.5 ba · 3,082 sqft · $114/sqft · 37 DOM
Sold · Jun ’26$399,900
1720 ATLANTIC DRIVE · same community
5 bd · 2.5 ba · 3,146 sqft · $127/sqft · 4 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 428 CHIMNEY ROCK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 428 CHIMNEY ROCK 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.
Straight answers
428 CHIMNEY ROCK DRIVE FAQs
What would the monthly payment be for 428 CHIMNEY ROCK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,333/mo — principal and interest, the actual property-tax bill, the $61/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 428 CHIMNEY ROCK DRIVE?+
The association fee works out to $61 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 428 CHIMNEY ROCK DRIVE?+
The most recent tax bill on record (2025) was $5,827. 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 428 CHIMNEY ROCK 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 $415,000, this home is listed about 19% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 428 CHIMNEY ROCK 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.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Kelley Sempert. MLS #TB8530627.
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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