Eric Chery
$548,999$599,0003 bd2.5 ba2,591 sqft$212 /sqft$4,810 /mo all-in ↓

1025 SEAGRAPE DRIVE, RUSKIN, FL, 33570

Active256 days on marketListed Nov 7, 2025MLS #TB8446095

Reduced $50KSingle Family ResidenceANTIGUA COVE PH 2

About this home

1025 SEAGRAPE DRIVE

1025 Seagrape Drive, Ruskin, FL 33570 | 3 Bedrooms | 2.5 Bathrooms | 2,600 Sq Ft | Anna Maria Floor Plan | Lennar Built in 2019 and positioned in the gated SouthShore Yacht Club community at Little Harbor, this Lennar Anna Maria floor plan delivers 2,600 square feet of well-appointed living with three bedrooms, two and a half bathrooms, and finishes that go well beyond builder standard. Hurricane-impact rated windows, doors, and garage door are already in place - a detail that matters in Florida and one fewer thing to think about after closing. The entry sets the tone with a soaring 22-foot foyer ceiling and eight-inch crown molding. A glass-enclosed office sits just off the entry, purpose-built for focused work with custom finishes and separation from the main living areas. The open great room moves naturally through triple sliding glass doors onto a large screened patio that backs to a conservation area -- green, private, peaceful and quiet, all themes you will enjoy continually around here. There is room to add a pool. The first-floor primary suite has a spa-style ensuite bath and a giant walk-in closet sized to actually use. Upstairs, two guest bedrooms and a flexible loft handle whatever you need them to -- office overflow, media room, or a proper guest floor. The kitchen is the kind agents describe carefully because it deserves it. Forty-two-inch Sierra Vista painted linen cabinetry with custom trim, Calcutta Gold polished quartz countertops, GE Profile stainless appliances, satin nickel hardware, and Esplanade Hall ceramic tile laid in a 70/30 offset. It was designed to look good and function well, and it does both. Outside these walls is where Little Harbor becomes the reason people never want to leave. This is a small, gated, golf-cart-friendly community with a social committee and a full activity calendar -- the kind of neighborhood where people actually know each other. Two waterfront restaurants, a tiki bar with live music, and Tampa Bay's largest private beach are minutes from your front door by foot or golf cart. The marina hosts visitors from around the world, with world-class fishing charters heading out daily to the Gulf with no bridges or locks standing between the dock and open water. Dolphins and manatees work the canals. At the right time of evening, the sunset drops over St. Petersburg across the bay -- close enough to watch from the beach or the end of the pier, far enough away to feel like the world slowed down. This is not a lifestyle that requires a lot of explaining to the right buyer. It either calls to you or it doesn't. What the Seller Loves: "The thing nobody tells you about Little Harbor is how small it actually feels once you live here. You wave to the same people walking daily. The restaurants know your order. The sunsets never stop being worth stopping for. We moved here thinking we were buying a house. We ended up buying a completely different way of living."

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,591

Sqft

0.13 ac

Lot size

2

Garage

2019

Year built

Two

Levels

$212

Per sqft

Park/Greenbelt & Trees/Woods viewPets allowed

Inside

FlooringEngineered Hardwood · Luxury Vinyl · Tile
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Dryer · Gas Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Natural Gas · Heat Pump

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPark/Greenbelt · Trees/Woods
FacesNorth
ParkingDriveway · Garage Door Opener · Oversized
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$175/mo
Taxes (2024)$12,007/yr
PetsCats OK, Dogs OK, Number Limit, Yes
CommunityBay/Harbor Front · Boat Slip · Canal Front · Community Boat Ramp · Dock · Fishing · Gulf/Ocean Front · Marina · Water Access · Waterfront · Association Recreation - Owned · Clubhouse · Dog Park · Fitness Center · Gated Community - No Guard · Golf Carts OK · Handicap Modified · Irrigation-Reclaimed Water · Park · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Private · Propane · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$4,810 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,232
FHA mortgage insurance (est.)$243
Property tax — 2024 actual bill$1,001
HOA fee — from the listing$175
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,215Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $19,215
Interest rate6.00%
Loan term

Estimated payment

$4,810/mo

Principal & interest$3,232
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$1,001
HOA / condo fee$175
Est. insurance$160

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.

List $549K
$527KedgeAI estimate $639,489 · range $576K$713K$741K

vs edgeAI estimate

−14.2%

$/sqft vs Ruskin actives

$212 vs $180

Days on market

256 vs 51 typical

Where $212/sqft sits among the 288 Ruskin actives

133
83 · this home
24
13
11
24
$128–176$176–224$224–272$272–320$320–368$368+

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

Map of 1025 SEAGRAPE DRIVE

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 marketBalanced6.3 months of inventoryBuyer’s market

$330K$320K

Ruskin median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

160 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 64% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

CurrentPrice reduced to $548,999 $50K
Nov 7, 2025Listed at $599,000 · 256 days on market since
2019Built · ANTIGUA COVE PH 2

Reality check

What actually sold near 1025 SEAGRAPE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

923 SEAGRAPE DRIVESold · Aug ’25

$550,000

923 SEAGRAPE DRIVE · same community

3 bd · 2.5 ba · 2,524 sqft · $218/sqft · 126 DOM

1015 SEAGRAPE DRIVESold · Dec ’25

$485,000

1015 SEAGRAPE DRIVE · same community

3 bd · 2.5 ba · 1,985 sqft · $244/sqft · 187 DOM

315 19TH STREET NWSold · Jul ’25

$420,000

315 19TH STREET NW

4 bd · 3 ba · 2,660 sqft · $158/sqft · 169 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1025 SEAGRAPE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1025 SEAGRAPE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

1025 SEAGRAPE DRIVE FAQs

What would the monthly payment be for 1025 SEAGRAPE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,810/mo — principal and interest, the actual property-tax bill, the $175/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 1025 SEAGRAPE DRIVE?+

The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1025 SEAGRAPE DRIVE?+

The most recent tax bill on record (2024) was $12,007. 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 1025 SEAGRAPE DRIVE?+

The listing reports pets: 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 $548,999, this home is listed about 57% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.

Which schools are assigned to 1025 SEAGRAPE DRIVE?+

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

Four things that matter here

01Positioned at the premium end

$548,999 runs 64% above the RUSKIN 33570 median — but at 2,591 sqft it's also 38% larger than the typical Ruskin listing.

02Park/Greenbelt & Trees/Woods views

The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

256 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $599,000, now $548,999 — a $50K cut. The full history is in the market section below.

Listing courtesy of 27NORTH REALTY · Chasiti Conroy. MLS #TB8446095.

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 1025 SEAGRAPE DRIVE 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 Eric to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 21, 2026 at 1:42 PM UTC. The listing information on this page last changed on July 21, 2026 at 1:42 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 21, 2026 at 1:42 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 21, 2026 at 1:42 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.