1109 SEAGRAPE DRIVE, RUSKIN, FL, 33570
Active219 days on marketListed Dec 14, 2025MLS #TB8455920
About this home
1109 SEAGRAPE DRIVE
Virtually Staged. ASSUMABLE VA LOAN! Call for details! Discover your personal slice of Florida paradise in the exclusive, gated, resort-style Southshore Yacht Club at Little Harbor. This new Lennar residence offers an immediate and elegant entry into the coastal lifestyle, featuring soaring ceilings, abundant natural light, and a spacious open-concept design that defines each tranquil day. The thoughtfully designed Biscayne II floor plan is crafted for effortless flow, balancing entertaining spaces with private retreats. The ground floor encompasses the central living area and a flexible room ideal for use as a den or home office, along with a convenient half bath. At the heart of the home, the gourmet kitchen boasts light shaker-style cabinetry, smooth solid-surface countertops, and a generous central island that invites both culinary creativity and casual gatherings. Just beyond the kitchen, sliding glass doors open to an expansive covered patio finished with durable brick pavers, creating a serene setting for outdoor dining and relaxation. A spacious two-car garage provides ample storage and everyday convenience. Upstairs, a versatile loft that can provide a secondary living area or family lounge, ideal for everyday relaxation separate from the main living space downstairs. The conveniently located upstairs laundry room enhances everyday functionality, while the private primary suite serves as a luxurious sanctuary, highlighted by a tray ceiling and a spa-like en-suite bath with dual vanities and an oversized, fully tiled walk-in shower. Live the resort vacation every day within this exclusive community. As a resident of the gated Southshore Yacht Club, you gain access to an unparalleled suite of resort-style amenities within Little Harbor. These features include a full-service marina with boat slips and water access, a community beach and pier, two pools (including a heated resort-style pool), a modern fitness center, tennis courts, and a playground. For the ultimate enjoyment, the community also offers beachfront dining and a Tiki Bar - perfect for taking in legendary Tampa Bay sunsets. Situated in Ruskin, Little Harbor is a serene and established coastal enclave renowned for its natural setting and immediate waterfront access. The community is home to a private, full-service marina, placing residents moments from boating, fishing, and direct access to the Gulf of Mexico. You are conveniently located near local dining, shopping, and golf, while remaining approximately 25 miles south of the vibrant cultural and entertainment hub of Tampa.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,447
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$208
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.
$4,044 /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
$4,044/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
−14.4%
$/sqft vs Ruskin actives
$208 vs $180
Days on market
219 vs 51 typical
Where $208/sqft sits among the 288 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
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)
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 52% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1109 SEAGRAPE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$900,000
1128 SEAGRAPE DRIVE · same community
4 bd · 3.5 ba · 2,913 sqft · $309/sqft · 32 DOM
Sold · Mar ’26$579,000
821 WHITE HERON BOULEVARD
3 bd · 2 ba · 2,433 sqft · $238/sqft · 26 DOM
Sold · Jun ’26$368,500
319 19TH STREET NW
4 bd · 3 ba · 2,472 sqft · $149/sqft · 39 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1109 SEAGRAPE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1109 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.
Straight answers
1109 SEAGRAPE DRIVE FAQs
What would the monthly payment be for 1109 SEAGRAPE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,044/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 1109 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 1109 SEAGRAPE DRIVE?+
The most recent tax bill on record (2024) was $5,779. 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 1109 SEAGRAPE DRIVE?+
The listing reports pets: Breed Restrictions, 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 $509,900, this home is listed about 46% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1109 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
$509,900 runs 52% above the RUSKIN 33570 median — but at 2,447 sqft it's also 31% 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
219 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 $539,900, now $509,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Ken Jones. MLS #TB8455920.
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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