1876 COLDING DRIVE, RUSKIN, FL, 33570
Active29 days on marketListed Jul 3, 2026MLS #TB8524970
About this home
1876 COLDING DRIVE
Welcome to this beautifully maintained 2022-built home offering 4 bedrooms, 2.5 bathrooms, and 2,584 square feet of thoughtfully designed living space. The open-concept floor plan features a spacious kitchen with a large center island overlooking the dining and living areas, making it ideal for entertaining and everyday living. A versatile flex room on the first floor is perfect for a home office, playroom, or formal sitting area. Upstairs, you'll find generously sized bedrooms, including a spacious primary suite with a walk-in closet and private en-suite bath. The additional bedrooms provide plenty of space for family and guests. Situated on a premium oversized lot in the desirable Spencer Creek community, this home offers a large backyard with room to relax, play, or create your own outdoor oasis. Conveniently located near I-75, US-41, shopping, dining, schools, parks, and Tampa Bay's beautiful beaches, this home combines modern comfort with an unbeatable location. Don't miss your opportunity to make this move-in-ready home yours!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,633
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$148
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.
$3,420 /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
$3,420/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
+3.7%
$/sqft vs Ruskin actives
$148 vs $181
Days on market
29 vs 51 typical
Where $148/sqft sits among the 278 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)
154 of 278
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1876 COLDING DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$335,000
1823 MOON CACTUS COURT · same community
4 bd · 2.5 ba · 2,584 sqft · $130/sqft · 228 DOM
Sold · Jun ’26$399,000
714 TANANA FALL DRIVE
4 bd · 3.5 ba · 2,624 sqft · $152/sqft · 50 DOM
Sold · 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.
Your agent
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1876 COLDING DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1876 COLDING DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1876 COLDING DRIVE FAQs
What would the monthly payment be for 1876 COLDING DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,420/mo — principal and interest, the actual property-tax bill, the $50/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 1876 COLDING DRIVE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1876 COLDING DRIVE?+
The most recent tax bill on record (2025) was $8,978. 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 1876 COLDING 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 $389,000, this home is listed about 11% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1876 COLDING 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 WEALTH HAVEN REALTY · Danny Saiz. MLS #TB8524970.
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 1876 COLDING DRIVE 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 German to ping you on any price or status change →