954 KELLY FERN LOOP, RUSKIN, FL, 33570
Active5 days on marketListed Jul 29, 2026MLS #TB8533928
About this home
954 KELLY FERN LOOP
Interested in this home? You clearly have exceptional taste. This charming 4.0-bedroom, 3.0-bathroom home is not only pet-friendly, but also equipped with smart home features to make everyday life more convenient and connected. Homes like this don’t stay on the market for long—don’t miss your chance to make it yours. Apply today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,289
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /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
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Ruskin actives
$1 vs $181
Days on market
5 vs 55 typical
Where $1/sqft sits among the 278 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
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
$315K → $330K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
154 of 278
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 954 KELLY FERN LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$325,000
2307 HARRIS HAWK AVENUE · same community
4 bd · 2 ba · 1,926 sqft · $169/sqft · 25 DOM
Sold · Jul ’26$339,000
2127 WORRINGTON STREET · same community
3 bd · 2 ba · 1,085 sqft · $312/sqft · 3 DOM
Sold · May ’26$355,990
1207 TROPICAL HAMMOCK PLACE
4 bd · 2 ba · 1,828 sqft · $195/sqft · 36 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 954 KELLY FERN LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 954 KELLY FERN 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
954 KELLY FERN LOOP FAQs
What would the monthly payment be for 954 KELLY FERN LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 954 KELLY FERN LOOP?+
The listing reports pets: Monthly Pet Fee, 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 $2,400, this home is listed about 99% below the Ruskin median of $349,900. The market section on this page shows how the area is trending.
Which schools are assigned to 954 KELLY FERN 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.
The brief
Three things that matter here
01Under the RUSKIN 33570 market on paper
$2,400 is 99% below the RUSKIN 33570 median of $343,000, and at $1/sqft it sits under the Ruskin average of $214.
02Fresh on the market
Only 5 days on market in a Ruskin market that averages 55 — if it fits, move quickly.
03The price has already moved
Listed at $2,450, now $2,400 — a $50 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PROGRESS RESIDENTIAL PROP · John Breaux, Jr. MLS #TB8533928.
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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