1261 ANCHOR BEND DRIVE, RUSKIN, FL, 33570
Active168 days on marketListed May 23, 2026MLS #TB8511655
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Sun, Nov 8
11:00 AM – 1:00 PM
1261 Anchor Bend Dr has a fresh new upgrades; It shows like a model home! A Must See!
About this home
1261 ANCHOR BEND DRIVE
Virtually Staged. STUNNING, MOVE-IN READY! NEW LIGHT OAK LVP FLOORING, MODERN INTERIOR PAINT & PREMIUM UPGRADES, DOUBLE-PANE WINDOWS! Why wait to build and spend thousands on upgrades? This meticulous and well maintained 2021-built home in Shell Cove offers 4 bedrooms, 2 bathrooms, and 1,926 sq. ft. of spacious SINGLE-LEVEL living with approximately $10,000 in recent improvements! Enjoy upgraded 9”x60” wide-plank luxury vinyl flooring throughout the main living areas, ceiling fans, and a FULLY FENCED backyard with fresh sod—all already included! The HUGE open great room features vaulted ceilings and flows into a spacious kitchen with an oversized granite island, espresso cabinetry, French-door refrigerator, and walk-in pantry. The split-bedroom floor plan offers privacy, while the primary suite features an oversized walk-in shower, dual vanity with upgraded Level 2 granite, and walk-in closet. Additional features include a 2021 Roof, Double-pane windows, smart lighting, and INCLUDED washer and dryer. Enjoy Shell Cove's resort-style amenities, including a community pool, pickleball courts, clubhouse, playground, dog parks, and walking trails. WHY WAIT TO START ENJOYING THE FLORIDA LIFESTYLE? Discover nearby E.G. Simmons Park for bird watching-Fishing from pier-rent kayak, Little Harbor Marina for High and Dry Boat storage with access to world glass fishing, local nature trails, minutes to waterfront dining with beautiful west coast sunset views, St. Petersburg's Gulf beaches, and Sarasota's theaters and art galleries. Convenient access to I-75, Tampa, St. Petersburg, Sarasota, MacDill, medical facilities, Publix, Aldi's, coffee shops, eateries, adds everyday convenience. Whether you're downsizing, purchasing your first home, or looking for a nearly new home without the added expense of builder upgrades, this property offers comfort, convenience, and exceptional value. FHA FINANCING WELCOME! Property may also qualify for USDA financing for eligible buyers—verify eligibility with your lender. Aggressively priced for today’s market, this home offers an incredible opportunity to own a truly move-in-ready home in one of Ruskin's most desirable communities. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,926
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
One
Levels
$163
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.
$3,158 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,158/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+0.4%
$/sqft vs SHELL COVE PH 1
$163 vs $159
Days on market
168 vs 67 typical
Where $163/sqft sits among the 14 homes for sale in SHELL COVE PH 1
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 →
The numbers that matter
The Ruskin market
$320K → $320K
Ruskin median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
12 of 14
SHELL COVE PH 1 have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1261 ANCHOR BEND DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$320,000
972 OCEAN SPRAY DRIVE · same community
4 bd · 2 ba · 1,926 sqft · $166/sqft · 50 DOM
Sold · Jun ’26$314,900
932 OCEAN SPRAY DRIVE · same community
4 bd · 2 ba · 1,846 sqft · $171/sqft · 59 DOM
Sold · May ’26$325,900
1353 OCEAN SPRAY DRIVE · same community
4 bd · 2 ba · 1,846 sqft · $177/sqft · 62 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1261 ANCHOR BEND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1261 ANCHOR BEND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1261 ANCHOR BEND DRIVE FAQs
What would the monthly payment be for 1261 ANCHOR BEND DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,158/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 1261 ANCHOR BEND DRIVE?+
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 1261 ANCHOR BEND DRIVE?+
The most recent tax bill on record (2025) was $8,291. 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 1261 ANCHOR BEND DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $313,800, this home is listed about 8% below the Ruskin median of $339,950. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Ruskin market on paper
$313,800 is 8% below the Ruskin median of $339,950, and at $163/sqft it sits under the Ruskin average of $208.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
168 days on market against a Ruskin median of 67 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $330,000, now $313,800 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SABAL PALM INTERNATIONAL REALTY LLC · Erica Chavez. MLS #TB8511655.
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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