
1521 CUSTER BAYOU STREET, RUSKIN, FL, 33570
Active7 days on marketListed Sep 15, 2026MLS #TB8548307
About this home
1521 CUSTER BAYOU STREET
1521 Custer Bayou Street, Ruskin, FL 33570 | 4 Beds | 2.5 Baths | 2,445 Sq Ft | Gated Bayridge | Community Pool + Playground | Solar Panels | Screened Lanai | 2-Car Garage | No CDD Life at 1521 Custer Bayou Street is built around having more time to enjoy home. Start the morning on the covered front porch, spend an afternoon at the Bayridge community pool, and end the day on the screened rear lanai while the HOA handles the lawn and grounds maintenance. Inside, 2,445 heated square feet creates room to spread out across two levels, with open gathering spaces downstairs and a second living area upstairs. The main level connects the kitchen, dining areas, and living room in an easy flow for everyday meals, game nights, or hosting friends. Upgraded luxury vinyl flooring installed in 2022 runs through the main living spaces, complemented by high ceilings and tray-ceiling details. The kitchen centers around a large island with stone counters, solid wood cabinetry, a closet pantry, and Samsung Bespoke refrigerator, range, microwave, and dishwasher installed in March 2023. The dining space includes a custom built-in dry bar with glass cabinets and a wine fridge. Sliding glass doors extend the living space to the screened rear porch and patio, keeping indoor and outdoor time connected. A flexible first-floor room near the powder bath adds useful space for changing needs. Upstairs, the separate loft creates another place to relax away from the main living room. The primary suite has a walk-in closet and an en suite bath with dual sinks, stone counters, and a walk-in shower. The secondary bedrooms have built-in closets, and the second full bath has stone counters with a tub/shower combination. A dedicated upstairs laundry room keeps daily routines close to the bedrooms. The outdoor spaces give you multiple ways to enjoy Florida weather without leaving home. Settle onto the covered front porch, enjoy the screened rear lanai, use the patio for outdoor meals, or make the fenced yard your own. The attached 2-car garage adds parking and storage, while irrigation, rain gutters, and a private yard support day-to-day function. Important updates add value where it matters. Solar panels were installed in July 2023, with the seller to pay the remaining solar financing balance at closing. A built-in dry bar was added to the dining area. The water heater was replaced in February 2023, and a reverse-osmosis system and whole-home water softener were added in July 2025. The seller reports the HVAC system as approximately one year old. Samsung Bespoke kitchen appliances were installed in March 2023. Bayridge is a gated Ruskin community with a pool, playground, sidewalks, and private paved roads. The required $282/month HOA fee covers community pool care, grounds maintenance, manager services, private-road maintenance, and recreational facilities, giving you fewer exterior chores and more time to enjoy the neighborhood amenities. There is no CDD. ***** WHAT THE SELLER LOVES The lifestyle here is easy to settle into: coffee on the front porch, afternoons at the community pool, evenings on the screened lanai, and a fenced yard ready for time outside. Inside, the upgraded flooring, Samsung Bespoke kitchen appliances, custom dining dry bar, solar panels, and whole-home water treatment make the home feel thoughtfully updated, while HOA-included lawn care means weekends can stay focused on enjoying the home instead of maintaining the yard.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,445
Sqft
0.13 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$149
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.
$3,090 /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
$3,090/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
−14.6%
$/sqft vs Ruskin actives
$149 vs $176
Days on market
7 vs 56 typical
Where $149/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)
158 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 10% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1521 CUSTER BAYOU STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$330,000
1528 GADSDEN POINT PLACE · same community
4 bd · 2.5 ba · 2,490 sqft · $133/sqft · 37 DOM
Sold · Mar ’26$265,000
1712 PASSAGE KEY LANE · same community
3 bd · 2 ba · 1,554 sqft · $171/sqft · 24 DOM
Sold · Jul ’26$410,000
506 3RD AVENUE SE
4 bd · 3 ba · 2,349 sqft · $175/sqft · 208 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1521 CUSTER BAYOU STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1521 CUSTER BAYOU STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1521 CUSTER BAYOU STREET FAQs
What would the monthly payment be for 1521 CUSTER BAYOU STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,090/mo — principal and interest, the actual property-tax bill, the $282/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 1521 CUSTER BAYOU STREET?+
The association fee works out to $282 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1521 CUSTER BAYOU STREET?+
The most recent tax bill on record (2025) was $4,058. 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 1521 CUSTER BAYOU STREET?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $365,000, this home is listed about 4% above the Ruskin median of $349,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1521 CUSTER BAYOU STREET?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$365,000 runs 10% above the RUSKIN 33570 median — but at 2,445 sqft it's also 27% larger than the typical Ruskin listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 7 days on market in a Ruskin market that averages 56 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8548307.
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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