
809 TIMELESS MOSS DRIVE, RUSKIN, FL, 33570
Active7 days on marketListed Jul 14, 2026MLS #TB8528848
About this home
809 TIMELESS MOSS DRIVE
This immaculate 4-bed + OFFICE/DEN, 3-bath, 3-car WATER VIEW POOL HOME is understated from the street, absolutely unforgettable from the backyard, and anything but ordinary. Enjoy all the perks of being on water without the stress, as this lot is not in a flood zone. Features abound in this sleeper hit of the neighborhood: resort-style SALTWATER pool & spa, PAVER DECK, screened lanai, over a QUARTER-ACRE lot, covered front porch, fully fenced yard with pet-friendly turf, an organic garden, irrigation system, HURRICANE SHUTTERS, modern construction throughout (built in 2020), and breathtaking (west-facing) sunset views over the community-owned waterfront park bordering Mills Bayou. The OPEN-CONCEPT layout of this one-story Santa Fe floorplan is thoughtfully designed for flexibility, entertaining, and overall effortless living. CERAMIC TILE in all wet areas, LUXURY VINYL PLANK in the primary, and plush carpet in the other bedrooms. The expansive primary suite is located away from the secondary bedrooms in this SPLIT-FLOORPLAN layout for added tranquility, and includes a large WALK-IN CLOSET and luxurious EN-SUITE BATHROOM complete with a DUAL-SINK VANITY, shower stall, and water closet. The private guest suite would be an ideal solution for multi-generational living or extended visits with its WALK-IN CLOSET and EN-SUITE BATHROOM, and the two front bedrooms are situated on either side of the third full bathroom. The Great Room connects a dedicated office/den with a welcoming living area, dining area, and a stunning kitchen that must be every chef's dream. This incredible kitchen features STAINLESS STEEL APPLIANCES, island with BREAKFAST BAR seating, commercial-style ventilation above stove, generous prep space, and a WALK-IN PANTRY. The storage space in this home is unmatched - from the abundances of closets to the oversized garage, even the laundry room has been upgraded with cabinetry! The interior of this home truly shines from top to bottom, and the exterior is no exception. The screened saltwater pool includes a sundeck, spa, and both heater and chiller for year-round enjoyment. The west-facing backyard captures stunning sunset views over tranquil water and preserved greenery beyond. Designed for beauty without the upkeep, the yard is fully irrigated, thoughtfully landscaped, and features a raised garden bed with organic soil and mulch for homegrown herbs and vegetables. Mills Bayou is a community of 50 homes, and the association owns waterfront land visible from this home. There is a fenced dog park, a park, and a dock all available to the neighborhood residents. Domino Park Boat Ramp is only a few minutes away (less than a mile) for any boating enthusiasts. This is not a “drive-by” home — it’s a property that reveals its value once you step inside. For anyone looking for quality construction, privacy, and unforgettable sunset views, this home delivers.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,557
Sqft
0.26 ac
Lot size
3
Garage
2020
Year built
One
Levels
$215
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.
$4,446 /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
$4,446/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
+4.6%
$/sqft vs Ruskin actives
$215 vs $180
Days on market
7 vs 51 typical
Where $215/sqft sits among the 286 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)
161 of 286
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
Reality check
What actually sold near 809 TIMELESS MOSS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$348,000
917 TIMELESS MOSS DRIVE · same community
4 bd · 2.5 ba · 2,465 sqft · $141/sqft · 71 DOM
Sold · Dec ’25$455,000
2616 YUKON CLIFF DRIVE
4 bd · 3 ba · 2,581 sqft · $176/sqft · 2 DOM
Sold · Apr ’26$236,000
2509 RIVER BRIAR BOULEVARD
3 bd · 2.5 ba · 2,617 sqft · $90/sqft · 147 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 809 TIMELESS MOSS DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 809 TIMELESS MOSS 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
809 TIMELESS MOSS DRIVE FAQs
What would the monthly payment be for 809 TIMELESS MOSS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,446/mo — principal and interest, the actual property-tax bill, the $124/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 809 TIMELESS MOSS DRIVE?+
The association fee works out to $124 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 809 TIMELESS MOSS DRIVE?+
The most recent tax bill on record (2025) was $8,173. 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 809 TIMELESS MOSS DRIVE?+
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 $550,000, 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 809 TIMELESS MOSS 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
Three things that matter here
01Positioned at the premium end
$550,000 runs 64% above the RUSKIN 33570 median — but at 2,557 sqft it's also 36% larger than the typical Ruskin listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 7 days on market in a Ruskin market that averages 51 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Cathy Griggs. MLS #TB8528848.
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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