CENTURY 21 Edge
$1,800,0001 bd1 ba2,079 sqft$866 /sqft$11,615 /mo all-in ↓

2805 GULF CITY ROAD, RUSKIN, FL, 33570

Active1 days on marketListed Sep 21, 2026MLS #TB8550774

WaterfrontPrivate poolSingle Family ResidenceUNPLATTED

About this home

2805 GULF CITY ROAD

Experience sweeping views of the Little Manatee River from your own private retreat. This rare and exceptional property features a beautifully remodeled home thoughtfully designed for entertaining, relaxing, and enjoying the picturesque natural surroundings. At the heart of the home, expansive wall-to-wall windows fill the living spaces with natural light while showcasing stunning river views as the ultimate backdrop. The meticulously maintained backyard is a peaceful oasis, complete with lush St. Augustine grass, majestic oak trees, a covered porch, a charming swing, and a private dock—perfect for quiet mornings or relaxing evenings by the river. The spacious travertine pool lanai provides an ideal setting for entertaining large gatherings while still capturing beautiful views of the river. Inside, the well-appointed kitchen features top-of-the-line appliances, upscale finishes, and plenty of space for hosting family and friends. The large primary bedroom offers serene river views and an impressive walk-in closet. A versatile den provides additional flex space that can easily serve as a guest bedroom, home office, media room, or entertainment space. Beyond the main residence, the property offers two additional barns along the meticulously maintained driveway, providing abundant storage and exciting potential for future use. With its exceptional privacy, beautifully updated home, and breathtaking river views, this is a truly rare opportunity to own your own slice of the Little Manatee River.

Facts & features

The home at a glance

1

Bedrooms

1

Bathrooms

2,079

Sqft

11.13 ac

Lot size

2

Garage

1999

Year built

One

Levels

$866

Per sqft

Private poolWaterfrontWater view

Inside

FlooringCarpet · Engineered Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Range · Range Hood · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionHardiPlank Type · Wood Frame
FoundationSlab
ViewWater
FacesSouth
ExteriorIrrigation System · Lighting · Private Entrance · Sliding Doors

Community & fees

Taxes (2025)$12,805/yr

Utilities & systems

UtilitiesElectricity Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$11,615 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,713
PMI (est., until 20% equity)$675
Property tax — 2025 actual bill$1,067
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $180,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $180,000
Interest rate6.00%
Loan term

Estimated payment

$11,615/mo

Principal & interest$9,713
PMI (est., until 20% equity)$675
Property taxes (actual bill)$1,067
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Where it sits

Inside Ruskin

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)50 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)

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

This home is listed 443% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

Sep 21, 2026Listed at $1,800,000 · 1 days on market since
1999Built · UNPLATTED

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 2805 GULF CITY ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2805 GULF CITY ROAD — 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

2805 GULF CITY ROAD FAQs

What would the monthly payment be for 2805 GULF CITY ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,615/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 2805 GULF CITY ROAD?+

The most recent tax bill on record (2025) was $12,805. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Ruskin?+

At $1,800,000, this home is listed about 414% above the Ruskin median of $349,900. The market section on this page shows how the area is trending.

Which schools are assigned to 2805 GULF CITY ROAD?+

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

$1,800,000 runs 443% above the RUSKIN 33570 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Ruskin market that averages 56 — if it fits, move quickly.

Listing courtesy of FISCHBACH LAND COMPANY LLC · Reed Fischbach. MLS #TB8550774.

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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