CENTURY 21 Edge
$274,9004 bd1 ba1,710 sqft$161 /sqft$2,184 /mo all-in ↓

205 2ND AVENUE SE, RUSKIN, FL, 33570

Active10 days on marketListed Aug 19, 2026MLS #TB8534382

Priced 17% below the RUSKIN 33570 medianSingle Family ResidenceRUSKIN CITY MAP OF

About this home

205 2ND AVENUE SE

Virtually Staged. NO HOA • ¼+-ACRE FENCED LOT • BOAT & RV PARKING • FLEX SPACE • MINUTES TO THE BEACH & BAY! Looking for space, freedom and possibilities? This unique 4-bedroom home sits on an oversized, fully fenced lot and offers the flexibility to truly make the property the way you want it. NEED A SECOND BATHROOM? DON'T LET THE CURRENT 1-BATH LAYOUT STOP YOU FROM CONSIDERING THIS HOME! The property is eligible for FHA 203(k) renovation financing, giving qualified buyers the opportunity to finance eligible improvements—including the potential addition of a second bathroom—into their mortgage rather than paying for the entire project out of pocket after closing. Want to update or customize other areas while you're at it? Additional eligible renovations may also be incorporated into the 203(k) loan, subject to lender and FHA requirements. Ask for details about how a renovation loan could help turn this home into exactly what you need. The oversized ¼+-acre lot is completely fenced and features secure gated boat and RV parking, a separate fenced dog run/kennel, storage shed and an expansive backyard with plenty of room to entertain, garden, play or simply enjoy the Florida lifestyle. Step inside and you'll find a surprisingly open and spacious floor plan with tile flooring throughout. The generously sized kitchen provides an abundance of cabinetry and storage, along with separate formal living and dining areas. The impressive primary suite alone exceeds 275 square feet, and the additional bedrooms offer comfortable space for family, guests or whatever your lifestyle requires. One of the home's most interesting features is the flex room with its own private gated entrance. Use it as an in-law or guest space, home office, private workspace, teen retreat, hobby room or customize it to suit your needs. Combined with the home's flexible layout and renovation-financing possibilities, there is tremendous potential here to create something uniquely yours. Several major improvements have already been addressed: A/C replaced in 2025, water heater in 2024 and the entire duct system replaced in 2021. The metal roof has also been inspected and was reported to have 10+ years of remaining useful life. The home is connected to city water and sewer. Home is currently vacant and unfurnished. Select listing photos have been virtually staged and/or digitally enhanced to showcase the potential use, layout, and design possibilities of the property. Virtual furnishings, décor, and other enhancements are for buyer inspiration only and do not represent the property’s current condition or contents.” And then there's the location! You're less than 4 miles from the beach and E.G. Simmons Regional Park, with convenient boat access to Tampa Bay. Little Harbor's marina and beach, along with Sunset Grill and Hooks, are just down the road. Head north to Apollo Beach and you're approximately 10 minutes from Circles, Finn's, another waterfront beach and the Manatee Viewing Center. If you've been looking for a home with space, flexibility, no HOA restrictions, room for the boat and RV, and the ability to make improvements without necessarily having to fund the entire renovation out of pocket, don't overlook this one because it currently has one bathroom. The opportunity to create the second bath—and the home you really want—may already have a financing solution. Bring the boat. Bring the RV. Bring the dogs. Bring your ideas—and come enjoy the Florida lifestyle!

Facts & features

The home at a glance

4

Bedrooms

1

Bathrooms

1,710

Sqft

0.28 ac

Lot size

1972

Year built

One

Levels

$161

Per sqft

Pets allowed

Inside

FlooringTile
AppliancesElectric Water Heater · Ice Maker · Range · Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Split Bedroom · Thermostat
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingBoat · Driveway · RV Parking
ExteriorKennel · Private Entrance

Community & fees

Taxes (2025)$3,409/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,184 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,618
FHA mortgage insurance (est.)$122
Property tax — 2025 actual bill$284
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,622Loan30-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% · $9,622
Interest rate6.00%
Loan term

Estimated payment

$2,184/mo

Principal & interest$1,618
FHA mortgage insurance (est.)$122
Property taxes (actual bill)$284
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 $275K
$264KedgeAI estimate $294,362 · range $285K$304K$316K

vs edgeAI estimate

−6.6%

$/sqft vs Ruskin actives

$161 vs $182

Days on market

10 vs 56 typical

Where $161/sqft sits among the 295 Ruskin actives

135 · this home
72
30
18
15
25
$128–172$172–217$217–261$261–305$305–349$349+

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 City

Drive times from this address

Downtown Tampa30 min
Tampa Int’l Airport (TPA)42 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Ruskin. See the full Ruskin guide →

Ruskin City — neighborhood snapshot

Population

2,490

Median age

42

Median income

$70,544

Median home value

$268,770

Avg household

3

Households w/ children

290

For the school run

Hillsborough County School District

ElementaryThompson Elementary★★★★★
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 marketBalanced5.1 months of inventoryBuyer’s market

$315K$320K

Ruskin median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

157 of 295

Ruskin actives have cut their price

Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 17% below the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

Aug 19, 2026Listed at $274,900 · 10 days on market since
1972Built · RUSKIN CITY MAP OF

Reality check

What actually sold near 205 2ND AVENUE SE

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

609 4TH AVENUE SWSold · Nov ’25

$299,900

609 4TH AVENUE SW · same community

3 bd · 1.5 ba · 1,496 sqft · $200/sqft · 167 DOM

602 10TH STREET SWSold · Mar ’26

$387,500

602 10TH STREET SW · same community

3 bd · 3 ba · 2,085 sqft · $186/sqft · 100 DOM

511 W COLLEGE AVENUESold · Feb ’26

$330,000

511 W COLLEGE AVENUE · same community

3 bd · 2.5 ba · 2,117 sqft · $156/sqft · 3 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 205 2ND AVENUE SE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 205 2ND AVENUE SE — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

205 2ND AVENUE SE FAQs

What would the monthly payment be for 205 2ND AVENUE SE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,184/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 205 2ND AVENUE SE?+

The most recent tax bill on record (2025) was $3,409. 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 205 2ND AVENUE SE?+

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 $274,900, this home is listed about 21% below the Ruskin median of $349,900. The market section on this page shows how the area is trending.

Which schools are assigned to 205 2ND AVENUE SE?+

Thompson Elementary (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.

Listing courtesy of FLORIDA'S 1ST CHOICE RLTY LLC · Rich Shelley. MLS #TB8534382.

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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