1601 STEPHENS ROAD, RUSKIN, FL, 33570
Active1 days on marketListed Jul 22, 2026MLS #TB8529281
About this home
1601 STEPHENS ROAD
Welcome to this beautiful country-style home situated on 1 acre of land, offering privacy, space, NO HOA, NO CDD's and endless possibilities. This updated 3-bedroom, 2-bath property features a new roof, new well, new flooring, updated bathroom appliances, and fresh interior paint. The outdoors 1 acre of land is ideal for animals, gardening, outdoor fundays, grilling, parties, camping, playground with a touch of some newly planted fruit trees already in place. Home includes handicap-accessible bathrooms and a spacious 2-car garage. Plenty of space along the fireplace on cold nights, well entertaining family and friends in the country living. Beaches within mins from home along with, Boat Ramps, and Parks and Community Golfing. Home is Move-in ready and perfect for buyers seeking land, comfort, and modern updates.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,303
Sqft
1 ac
Lot size
2
Garage
1977
Year built
One
Levels
$224
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 — not generic estimates.
$3,828 /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
$3,828/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
−18.9%
Days on market
1 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 54% 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 1601 STEPHENS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1601 STEPHENS ROAD — 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
1601 STEPHENS ROAD FAQs
What would the monthly payment be for 1601 STEPHENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,828/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 1601 STEPHENS ROAD?+
The most recent tax bill on record (2025) was $4,899. 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 1601 STEPHENS ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $515,000, this home is listed about 47% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1601 STEPHENS 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
$515,000 runs 54% above the RUSKIN 33570 median — but at 2,303 sqft it's also 23% larger than the typical Ruskin listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 1 day on market in a Ruskin market that averages 51 — if it fits, move quickly.
Listing courtesy of FUTURE HOME REALTY INC · Rebecca Fields. MLS #TB8529281.
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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