Ruskin Reserve
Homes for Sale in Ruskin, FL
All 295 homes for sale in Ruskin, FL · median $334,800 · 35 townhomes for sale in Ruskin · 228 homes for sale in 33570 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Ruskin Reserve in Ruskin, FL has 9 homes for sale and 5 pending, asking from $250,000 to $355,000 (median $272,000). Over the 12 months ending 2026-09-20, 67 recorded sales closed at a median of $283,990, $194 per square foot, a median 65 days on market, sellers accepting 98% of original asking (-2% versus the prior year). Homes listed or recently sold were built 2025 - 2026 with 18 new construction; 26 of 26 report an HOA (median $127/mo); 21 of the 26 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $4,470 ($3,840 with the full homestead exemption).
Last 30 days in Ruskin Reserve: 6 new listings (median asking $272,000), 5 under contract right now, 3 closed sales (median $265,000). As of October 16, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Ruskin Reserve
Live MLS inventory for Ruskin Reserve. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 1 daysTop listing
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Active · 49 days
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Active · 97 days
Pending · 78 days
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Pending · 90 days
Pending · 64 daysActive and pending Ruskin Reserve listings as of 2026-10-15, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Tap any home to ask about it.
Ruskin Reserve right now
🔴 Seller-leaning market. 1.5 months of supply and 36% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Very High (14 active and pending listings, 67 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($284K) is down 1.7% from the prior 12 months ($289K).Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: High (67 and 18 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Ruskin Reserve market snapshot (as of September 20, 2026): the median sale price is about $284K ($194 per sq ft over the trailing 12 months of closed sales), a median 65 days on market for closed sales, and 1.5 months of supply, a seller-leaning market. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level Stellar MLS closed sales (67 closings in the current window).
In ZIP 33570 (Ruskin), 552 homes closed in the last 12 months at a median of $321K ($171/sq ft), down 2.6% year over year, with a median 56 days on market. Right now 158 active and 45 pending listings put supply at about 6.4 months - a buyer's market. See the live ZIP 33570 housing market and the Hillsborough County market.
Stellar MLS sales records identify 80 homes in Ruskin Reserve that have changed hands since 2025, built between 2025 and 2027 (median 2026), with a median living area of about 1,464 sq ft and a typical 3-bedroom, 2.5-bath layout; 60% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 5 qualified sales in Ruskin Reserve across 2025 - 2025, median $269,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Ruskin Reserve: of 17 listing addresses checked against the FEMA National Flood Hazard Layer, 6% sit outside the FEMA Special Flood Hazard Area (Zone X); 94% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Ruskin.
The setting & the homes.
Aerial and on-site photos of Ruskin Reserve. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Ruskin ReserveRuskin ReserveRuskin ReserveRuskin ReserveRuskin ReserveRuskin ReserveRuskin ReserveRuskin ReservePhotos from Stellar MLS listings in Ruskin Reserve; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($284K) IS the median in the snapshot above, and the move from 2025 ($289K) IS the -1.7% one-year change.
Windows contain 18 to 67 sales each (67 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Deemed reliable but not guaranteed.
36% of homes for sale in Ruskin Reserve are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-17).
Ruskin Reserve Market Scorecard
Ruskin Reserve is currently a strong seller's market. About 1.5 months of supply, a median asking price of $272,000, and homes go under contract in about 25 days.
Typical home value in the 33570 ZIP is $310,228, about 9.2% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Ruskin Reserve on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Ruskin Reserve
- Park · reported on 35 of 35 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Hillsborough County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Thompson Elementary · Elementary
- Shields-HB · Middle
- Lennard-HB · High
Zoned schools reflect the assignments reported on recent Ruskin Reserve listings and can change; always confirm with Hillsborough County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Ruskin Reserve address.
Shop the zone: Homes zoned for Lennard-Hb High School
The Ruskin Reserve buying strategy.
If we were buying in Ruskin Reserve today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Ruskin Reserve.
A closer look at the Ruskin Reserve market
At a median of $194 per square foot, Ruskin Reserve prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 1.5 months of supply, a seller-leaning market and the trailing-12-month median down 2% year over year. Homes that do trade take a median 65 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Ruskin Reserve. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Ruskin Reserve buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.7). Basis: Recent Direction -1.7% year-over-year; Liquidity & Demand 1.5 months of supply; Owner Commitment 0% owner-occupied; Pricing Power 98.3% sale-to-list. Refreshed with each data update.
What it really costs to own in Ruskin Reserve
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $127/month across 802 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Hillsborough County is $1,816/yr (6,518 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 17 listing addresses checked against the FEMA flood map, 6% sit outside the high-risk zone and 94% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2026 across 26 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Ruskin Reserve
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Ruskin Reserve
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Ruskin Reserve will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $127/month (about $1,524/yr) · median of 802 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $127 per month ($1,524 a year) - the median AssociationFee across 802 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 17 sampled listing addresses in this community: 6% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 94% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=17) · as of 2026-10
Tools for a Ruskin Reserve buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Ruskin Reserve sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Ruskin Reserve, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Ruskin Reserve home worth?
Get a no-obligation home value based on real comparable sales in Ruskin Reserve, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Ruskin →
Recently off market in Ruskin Reserve
Homes in Ruskin Reserve that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 4 on record.
- 304 Warm Heron Place · off market
- 441 Warm Heron Place · off market
- 444 Whistling Duck Place · off market
- 445 Warm Heron Place · off market
| Location | Ruskin, Hillsborough County, FL · ZIP 33570 |
|---|---|
| Homes in the community | 4 (FL DOR 2025 assessment roll) |
| Home types (current listings and sales) | townhouses 65%, single-family 35% |
| Amenities listed by sellers | Park |
| Sale prices, last 12 months | $283,990 median across 67 closed sales · $194 per sq ft · -1.7% vs the prior 12 months |
| Days on market (closed sales) | 65 median |
| For sale right now | 9 active, 5 pending · median asking $282,000 · 1.5 months of supply |
| Owner-occupied (homestead) share | 0% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Ruskin Reserve key facts,” movewithmomentum.com/neighborhoods/ruskin-reserve, data as of September 20, 2026.
Housing distress & ownership in Ruskin Reserve, Ruskin
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Ruskin Reserve
The newest homes for sale in Ruskin Reserve right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1112 Spotted Egret Loop $355,000 · 4 bd · 2 ba · 1,665 sq ft · 1 day on market Courtesy of D R HORTON REALTY OF TAMPA LLC
- 1110 Spotted Egret Loop $335,000 · 3 bd · 2 ba · 1,302 sq ft · 1 day on market Courtesy of D R HORTON REALTY OF TAMPA LLC
- 923 Spotted Egret Loop $272,000 · 3 bd · 2.5 ba · 1,463 sq ft · 25 days on market Courtesy of D R HORTON REALTY OF TAMPA LLC
- 925 Spotted Egret Loop $272,000 · 3 bd · 2.5 ba · 1,463 sq ft · 25 days on market Courtesy of D R HORTON REALTY OF TAMPA LLC
- 927 Spotted Egret Loop $272,000 · 3 bd · 2.5 ba · 1,463 sq ft · 25 days on market Courtesy of D R HORTON REALTY OF TAMPA LLC
- 929 Spotted Egret Loop $272,000 · 3 bd · 2.5 ba · 1,463 sq ft · 25 days on market Courtesy of D R HORTON REALTY OF TAMPA LLC
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in Ruskin Reserve Right Now (14)
All 14 active and pending Ruskin Reserve listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1112 Spotted Egret Loop · $355,000 · 4 bd / 2 ba · listed Oct 9, 2026 · listed by D R Horton Realty Of Tampa Llc
- 1110 Spotted Egret Loop · $335,000 · 3 bd / 2 ba · listed Oct 9, 2026 · listed by D R Horton Realty Of Tampa Llc
- 923 Spotted Egret Loop · $272,000 · 3 bd / 2.5 ba · listed Sep 19, 2026 · listed by D R Horton Realty Of Tampa Llc
- 925 Spotted Egret Loop · $272,000 · 3 bd / 2.5 ba · listed Sep 19, 2026 · listed by D R Horton Realty Of Tampa Llc
- 927 Spotted Egret Loop · $272,000 · 3 bd / 2.5 ba · listed Sep 19, 2026 · listed by D R Horton Realty Of Tampa Llc
- 929 Spotted Egret Loop · $272,000 · 3 bd / 2.5 ba · listed Sep 19, 2026 · listed by D R Horton Realty Of Tampa Llc
- 931 Spotted Egret Loop · $285,000 · 3 bd / 2.5 ba · listed Sep 4, 2026 · listed by D R Horton Realty Of Tampa Llc
- 921 Spotted Egret Loop · $285,000 · 3 bd / 2.5 ba · listed Sep 3, 2026 · listed by D R Horton Realty Of Tampa Llc
- 446 Whistling Duck Place · $240,000 · 3 bd / 2.5 ba · listed Aug 13, 2026 · listed by D R Horton Realty Of Tampa Llc
- 440 Whistling Duck Place · $250,000 · 3 bd / 2.5 ba · pending · listed Aug 4, 2026 · listed by D R Horton Realty Of Tampa Llc
- 448 Whistling Duck Place · $283,000 · 3 bd / 2.5 ba · pending · listed Jul 29, 2026 · listed by D R Horton Realty Of Tampa Llc
- 1108 Spotted Egret Place · $330,000 · 3 bd / 2 ba · pending · listed Jul 20, 2026 · listed by D R Horton Realty Of Tampa Llc
- 438 Whistling Duck Place · $275,000 · 3 bd / 2.5 ba · pending · listed Jul 17, 2026 · listed by D R Horton Realty Of Tampa Llc
- 442 Whistling Duck Place · $263,000 · 3 bd / 2.5 ba · pending · listed Jul 16, 2026 · listed by D R Horton Realty Of Tampa Llc
Recently sold in Ruskin Reserve
- 444 Whistling Duck Place · sold $250,000
- 304 Warm Heron Place · sold $352,990
- 441 Warm Heron Place · sold $265,000
- 445 Warm Heron Place · sold $276,990
- 306 Warm Heron Place · sold $329,990
- 414 Warm Heron Place · sold $334,990
- 447 Warm Heron Place · sold $284,990
- 437 Warm Heron Place · sold $289,990
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Ruskin home searches
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- Homes under $300K in Ruskin
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- 4-bedroom homes for sale in Ruskin
- Ruskin home values: what is my house worth?
- ZIP 33570 housing scorecard
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Spotted Egret Loop (45 homes on record)
- Warm Heron Place (31 homes on record)
Frequently Asked Questions
What is the median home price in Ruskin Reserve?
How long do homes in Ruskin Reserve take to sell?
Is Ruskin Reserve a buyer's or seller's market right now?
How many homes are in Ruskin Reserve?
What share of Ruskin Reserve is owner-occupied?
Who is the best real estate agent for Ruskin Reserve?
How do I find a top Ruskin real estate agent who knows Ruskin Reserve?
Can Momentum Realty connect me with an agent for Ruskin Reserve?
Where is Ruskin Reserve, and what county is it in?
Is Ruskin Reserve in a flood zone?
Is Ruskin Reserve a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 15, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 33570)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2025 (85 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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