
205 2ND AVENUE SE, RUSKIN, FL, 33570
Active10 days on marketListed Aug 19, 2026MLS #TB8534382
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
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 — not generic estimates.
$2,184 /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
$2,184/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
−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
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin 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
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.
Sold · Nov ’25$299,900
609 4TH AVENUE SW · same community
3 bd · 1.5 ba · 1,496 sqft · $200/sqft · 167 DOM
Sold · Mar ’26$387,500
602 10TH STREET SW · same community
3 bd · 3 ba · 2,085 sqft · $186/sqft · 100 DOM
Sold · 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.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 205 2ND AVENUE SE — start here.

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.
Keep looking
Similar homes nearby
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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