9909 VICTORY GALLOP LOOP, RUSKIN, FL, 33573
Active203 days on marketListed Jan 9, 2026MLS #TB8462621
About this home
9909 VICTORY GALLOP LOOP
"Huge price improvement," this beautiful 3-bedroom, 2-bathroom, 2-car garage home is nestled in a resort-style community Belmont. Great lake view with a screened-in lanai. This home features an open floor plan, split bedrooms, ceramic tile throughout, and carpet in the bedrooms. A spacious kitchen featuring granite countertops, stainless steel appliances, solid wood cabinetry, and a large center island with a granite top, that overlooks the bright family room and breakfast nook. Belmont community offers a range of amenities, including a resort-style pool, tennis and basketball courts, a dog park, playgrounds, and walking trails. provides quick access to I-75, and everyday conveniences such as grocery stores and restaurants. This home is move-in ready and offers a perfect balance of comfort, privacy, and community living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,732
Sqft
0.14 ac
Lot size
2
Garage
2018
Year built
One
Levels
$202
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.
$2,999 /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
$2,999/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
+1.1%
$/sqft vs Ruskin actives
$202 vs $181
Days on market
203 vs 51 typical
Where $202/sqft sits among the 277 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 33573 — neighborhood snapshot
Population
30,820
Median age
68.5
Median income
$68,431
Median home value
$270,600
Avg household
1.98
Households w/ children
1,606
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 277
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the RUSKIN 33573 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 9909 VICTORY GALLOP LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$339,900
10072 VICTORY GALLOP LOOP · same community
3 bd · 2 ba · 1,732 sqft · $196/sqft · 35 DOM
Sold · Jul ’26$453,000
10066 VICTORY GALLOP LOOP · same community
5 bd · 3.5 ba · 3,846 sqft · $118/sqft · 71 DOM
Sold · Feb ’26$248,000
14446 EDITORS NOTE STREET
3 bd · 2.5 ba · 1,701 sqft · $146/sqft · 173 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9909 VICTORY GALLOP LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9909 VICTORY GALLOP LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9909 VICTORY GALLOP LOOP FAQs
What would the monthly payment be for 9909 VICTORY GALLOP LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,999/mo — principal and interest, the actual property-tax bill, the $14/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 9909 VICTORY GALLOP LOOP?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9909 VICTORY GALLOP LOOP?+
The most recent tax bill on record (2024) was $7,393. 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 9909 VICTORY GALLOP LOOP?+
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 $349,000, this home is priced right at the Ruskin median.
Which schools are assigned to 9909 VICTORY GALLOP LOOP?+
Doby Elementary School (elementary), East Bay High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$349,000 runs 40% above the RUSKIN 33573 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
203 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $367,000, now $349,000 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EZ CHOICE REALTY · Ping Chiu. MLS #TB8462621.
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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