405 SERENITY MILL LOOP, RUSKIN, FL, 33570
Active48 days on marketListed Jun 2, 2026MLS #TB8514619
About this home
405 SERENITY MILL LOOP
Priced to sell — thousands below comparable homes in the area — this move-in-ready 4-bedroom, 2.5-bath home with a spacious loft offers rare value in Ruskin's desirable Riverbend West community. And with no flood insurance required by most lenders (not located in a special flood hazard area), your monthly costs stay low, too. Conveniently located minutes to I-75 and US Highway 41 for an easy commute. The popular two-story "Atlanta" floor plan delivers 1,870 square feet of comfortable, functional living space, complete with GE Energy Star appliances (all conveying with the sale) and smart home features built for today's lifestyle. Pride of ownership shows everywhere: freshly painted exterior, annual HVAC servicing, annual termite inspections, and hurricane shutters for added peace of mind. Perfectly situated across the street from the community park and pool, you'll enjoy easy access to recreation and outdoor activities just steps from your front door. Step out your front door and you're directly across the street from the community park and pool. Schools, hospitals, shopping, and dining are minutes away, with quick access to I-75 and US 41 for an easy commute — and Florida's Gulf Coast beaches, boating, and waterfront dining are just a short drive from home. Whether you're looking for a primary residence, room for a growing family, or a seasonal retreat, this well-cared-for home is ready now. At this price, it won't wait long — schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,875
Sqft
0.13 ac
Lot size
2
Garage
2017
Year built
Two
Levels
$159
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.
$2,660 /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
$2,660/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
−11.5%
$/sqft vs Ruskin actives
$159 vs $180
Days on market
48 vs 51 typical
Where $159/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 11% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 405 SERENITY MILL LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$310,000
359 CASCADE BEND DRIVE · same community
4 bd · 2.5 ba · 1,875 sqft · $165/sqft · 36 DOM
Sold · Jun ’26$310,000
253 CASCADE BEND DRIVE · same community
4 bd · 2.5 ba · 1,875 sqft · $165/sqft · 27 DOM
Sold · Dec ’25$299,900
406 SERENITY MILL LOOP · same community
4 bd · 2 ba · 1,835 sqft · $163/sqft · 129 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 405 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 405 SERENITY MILL LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
405 SERENITY MILL LOOP FAQs
What would the monthly payment be for 405 SERENITY MILL LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,660/mo — principal and interest, the actual property-tax bill, the $47/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 405 SERENITY MILL LOOP?+
The association fee works out to $47 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 405 SERENITY MILL LOOP?+
The most recent tax bill on record (2025) was $6,729. 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 405 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 $299,000, this home is listed about 15% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 405 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.
Keep looking
Similar homes nearby
Listing courtesy of JALEXIAN ENTERPRISES LLC · Sandra Cantu. MLS #TB8514619.
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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