409 SERENITY MILL LOOP, RUSKIN, FL, 33570
Active746 days on marketListed Jul 7, 2024MLS #T3537718
About this home
409 SERENITY MILL LOOP
Welcome to this stunning 4 bedroom, 2 1/2 bathroom home with a fantastic 2-story layout. This beautifully maintained property boasts spacious living areas, a modern kitchen, open floor plan, large master suite with a walk-in closet and en-suite bathroom. The backyard features a big open space for kids and pets to play. Located in a desirable neighborhood, this home is perfect for families looking for both comfort and style. Don't miss out on the opportunity to make this house your new home! Contact us today for a private showing.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,880
Sqft
0.13 ac
Lot size
2
Garage
2017
Year built
Two
Levels
$185
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.
$3,023 /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
$3,023/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
+2.4%
Days on market
746 vs 51 typical
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
$330K → $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 4% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 409 SERENITY MILL LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 409 SERENITY MILL LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
409 SERENITY MILL LOOP FAQs
What would the monthly payment be for 409 SERENITY MILL LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,023/mo — principal and interest, the actual property-tax bill, the $33/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 409 SERENITY MILL LOOP?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 409 SERENITY MILL LOOP?+
The most recent tax bill on record (2023) was $7,524. 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 409 SERENITY MILL LOOP?+
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 $348,000, this home is listed about 1% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 409 SERENITY MILL LOOP?+
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 DALTON WADE INC · Matthew Houston. MLS #T3537718.
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 409 SERENITY MILL LOOP 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 Rui to ping you on any price or status change →