2206 4TH STREET SW, RUSKIN, FL, 33570
Active53 days on marketListed Sep 15, 2026MLS #TB8548932
About this home
2206 4TH STREET SW
NOW OFFERED AT AN EVEN BETTER PRICE! MORE HOME, BETTER VALUE! VIVINT SECURITY SYSTEM INCLUDED! Discover this spacious 5-bedroom, 2.5-bath home in the Riverbend West community of Ruskin, offering approximately 2,983 square feet of living space, an open floor plan, versatile living areas, and scenic pond views. The main level features a dedicated office/den, providing additional flexibility for a home office, study, or multipurpose room. The kitchen offers solid wood cabinetry, generous counter space, ample storage, and an open connection to the main living area. Crown molding and hard-surface flooring throughout complement the home’s interior. The first-floor primary suite features a spacious walk-in closet and an en-suite bathroom. Upstairs, four additional bedrooms and an expansive loft provide flexible options for a second living area, media room, game room, or entertainment space. Enjoy Florida’s outdoor lifestyle with a paved patio, OUTDOOR KITCHEN, and relaxing pond views. The outdoor entertaining area offers space for dining, gatherings, and weekend barbecues. Additional property features include an INCLUDED VIVINT SECURITY SYSTEM, attached 2-car garage, indoor laundry area, and generous storage space. Riverbend West offers community amenities including a swimming pool, playground, and DOG PARK. Conveniently located near shopping, dining, and major roadways, with access to Downtown Tampa, St. Petersburg beaches, and the Sarasota area. Downtown Tampa is approximately 25 minutes away, depending on traffic. MORE SPACE. MORE FEATURES. EVEN BETTER VALUE! With nearly 3,000 square feet of living space, five bedrooms, a spacious loft, outdoor kitchen, pond views, and an included Vivint security system, this property offers an excellent combination of space, features, and location. Explore everything this Riverbend West home has to offer. Schedule your showing today!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,983
Sqft
0.15 ac
Lot size
2
Garage
2017
Year built
Two
Levels
$142
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.
$4,179 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,179/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+13.6%
$/sqft vs Ruskin actives
$142 vs $179
Days on market
53 vs 64 typical
Where $142/sqft sits among the 282 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 →
The numbers that matter
The Ruskin market
$320K → $320K
Ruskin median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
157 of 282
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 2206 4TH STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$299,900
2216 4TH STREET SW · same community
4 bd · 2 ba · 1,939 sqft · $155/sqft · 379 DOM
Sold · Aug ’26$290,000
327 CASCADE BEND DRIVE · same community
4 bd · 2 ba · 1,918 sqft · $151/sqft · 175 DOM
Sold · Mar ’26$310,000
359 CASCADE BEND DRIVE · same community
4 bd · 2.5 ba · 1,875 sqft · $165/sqft · 36 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2206 4TH STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2206 4TH STREET SW — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2206 4TH STREET SW FAQs
What would the monthly payment be for 2206 4TH STREET SW?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,179/mo — principal and interest, the actual property-tax bill, the $66/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 2206 4TH STREET SW?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2206 4TH STREET SW?+
The most recent tax bill on record (2025) was $10,171. 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 2206 4TH STREET SW?+
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 $425,000, this home is listed about 25% above the Ruskin median of $339,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of VITA LUXURY REALTY LLC · Marlon Cano. MLS #TB8548932.
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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