
407 ROYAL EMPRESS DRIVE, RUSKIN, FL, 33570
Active5 days on marketListed Sep 17, 2026MLS #TB8545384
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
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.
$3,318 /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
$3,318/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
+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
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
$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
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.
Sold · Apr ’26$390,000
413 ROYAL EMPRESS DRIVE · same community
6 bd · 3 ba · 2,614 sqft · $149/sqft · 308 DOM
Sold · Jul ’26$410,000
402 BRITTON SHORES COURT
4 bd · 2.5 ba · 2,387 sqft · $172/sqft · 22 DOM
Sold · 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.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 407 ROYAL EMPRESS DRIVE — start here.

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.
Keep looking
Similar homes nearby
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.
Never miss a listing
New Ruskin homes, in your inbox
Like 407 ROYAL EMPRESS 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 Donna to ping you on any price or status change →


