CENTURY 21 Edge
$399,0005 bd2.5 ba2,415 sqft$165 /sqft$3,318 /mo all-in ↓

407 ROYAL EMPRESS DRIVE, RUSKIN, FL, 33570

Active5 days on marketListed Sep 17, 2026MLS #TB8545384

Single Family ResidenceGLENCOVE/BAYPARK PH 2

About this home

407 ROYAL EMPRESS DRIVE

Virtually Staged. UNDER $400,000 for a MOVE IN READY 5 Bedroom, 2.5 Bath home loaded with upgrades? Believe it! The sought after 2022 Columbia Floorplan, from Lennar, in the Glencove at Bay Park Community delivers style, space, and value that's nearly impossible to find at this price. Even better, an ASSUMABLE FHA MORTGAGE at an under 5% interest rate is available to a qualified buyer, and could mean hundreds in monthly savings! All the finishing touches new construction makes you wait and pay extra for are already yours: a 20 x 25 Screened and Covered Lanai, Full Backyard Fencing, Custom Shelving in the Walk In Pantry, Elegant Wainscoting, a Whole House Reverse Osmosis Water Softener System, and more! With space for growth and multi-generational living, all that's left to do is unpack. This layout is designed for connection, with a Great Room blending the Kitchen, Dining, and Family areas so every generation gathers together with ease. The Kitchen anchors it all with a Central Island, Breakfast Bar, 2022 Stainless Steel GE Appliances, Designer Backsplash, and a generous Walk In Pantry with Custom Shelving and Spice Rack. Wainscoting wraps the Main Living Areas in warmth and polish. Glass Sliders lead to the Oversized 20' x 25' Screened Lanai and Fully Fenced Backyard, with room for barbecues, lawn games, pets on the run, and evenings under Solar Lights twinkling along the Fence peaks. The first floor Primary Bedroom is open and inviting, a wonderful place to relax and unwind at the end of the day, complete with space for a king sized bed, dual vanities in your En-Suite, and an extensive Walk In Closet with Custom Shelving, ideal for parents, in-laws, or anyone who prefers stair free living. Upstairs becomes its own private retreat: a versatile Loft for movie nights, games, or study, four generous bedrooms with Custom Closets, and a full bath with Dual Sink vanity to keep busy mornings running smoothly. The Paver Extended Driveway on both sides adds extra room for parking, while Crushed Shell along the home's exterior keeps yard maintenance easy. A quiet community with a pool and walking paths, LOW HOA and NO CDD complete the picture. Minutes from US-41, I-75, and the Little Manatee River. Your next chapter starts here. Schedule your private showing today!

Facts & features

The home at a glance

5

Bedrooms

2.5

Bathrooms

2,415

Sqft

0.14 ac

Lot size

2

Garage

2022

Year built

Two

Levels

$165

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Kitchen Reverse Osmosis System · Microwave · Range · Refrigerator · Washer · Whole House R.O. System
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingDriveway
ExteriorHurricane Shutters · Irrigation System · Private Yard

Community & fees

HOA fee$144/mo
Taxes (2025)$5,861/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Pool

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

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.

$3,318 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$488
HOA fee — from the listing$144
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-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% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$3,318/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$488
HOA / condo fee$144
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 $399K
$368KedgeAI estimate $398,318 · range $383K$410K$427K

vs edgeAI estimate

+0.2%

$/sqft vs Ruskin actives

$165 vs $176

Days on market

5 vs 56 typical

Where $165/sqft sits among the 288 Ruskin actives

137 · this home
74
26
17
14
20
$126–171$171–215$215–259$259–303$303–347$347+

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

Downtown Tampa34 min
Tampa Int’l Airport (TPA)46 min

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

ElementaryRuskin Elementary School★★★★★
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 288

Ruskin actives have cut their price

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

This home is listed 20% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

Sep 17, 2026Listed at $399,000 · 5 days on market since
2022Built · GLENCOVE/BAYPARK PH 2

Reality check

What actually sold near 407 ROYAL EMPRESS DRIVE

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

413 ROYAL EMPRESS DRIVESold · Apr ’26

$390,000

413 ROYAL EMPRESS DRIVE · same community

6 bd · 3 ba · 2,614 sqft · $149/sqft · 308 DOM

402 BRITTON SHORES COURTSold · Jul ’26

$410,000

402 BRITTON SHORES COURT

4 bd · 2.5 ba · 2,387 sqft · $172/sqft · 22 DOM

502 3RD AVENUE SESold · Sep ’26

$368,000

502 3RD AVENUE SE

4 bd · 2 ba · 2,450 sqft · $150/sqft · 114 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 407 ROYAL EMPRESS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 407 ROYAL EMPRESS 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

407 ROYAL EMPRESS DRIVE FAQs

What would the monthly payment be for 407 ROYAL EMPRESS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,318/mo — principal and interest, the actual property-tax bill, the $144/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 407 ROYAL EMPRESS DRIVE?+

The association fee works out to $144 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 407 ROYAL EMPRESS DRIVE?+

The most recent tax bill on record (2025) was $5,861. 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 407 ROYAL EMPRESS DRIVE?+

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 $399,000, this home is listed about 14% above the Ruskin median of $349,900. The market section on this page shows how the area is trending.

Which schools are assigned to 407 ROYAL EMPRESS 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.

Listing courtesy of KELLER WILLIAMS RLTY NEW TAMPA · Andrea Mantei. MLS #TB8545384.

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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