Seller's Agent in 2025
Felicia Gaffney
XCELLENCE REALTY, INC
(863) 701-4435
1 in this area
61 Total Sales
403 13th St SW Ruskin, FL 33570
3
Beds
2
Baths
1,975
Sq Ft
0.26
Acres
Highlights
- 75 Feet of Salt Water Canal Waterfront
- Beach Access
- Oak Trees
- Dock has access to electricity and water
- Boat Lift
- In Ground Pool
About This Home
As of May 2025No HOA or CDD Fees. Move-in Ready renovated, waterfront pool home on the Ruskin Inlet just minutes from Tampa Bay, and Florida’s most popular Beaches and Islands. Enjoy water views and an abundance of natural light from the moment you step through the front door. The home's open concept offers water views from almost every room! The expansive primary suite offers additional space for lounging or a second office/bonus space, a large walk-in closet with custom shelving, an en-suite bathroom with travertine flooring, a custom vanity with a built-in make-up area, and a large custom travertine and slate walk-in shower with three showerheads. The primary suits French doors open to a private 17x20 patio with beautiful water views. The home's split plan allows for added privacy. The 2nd and 3rd bedrooms have large built-in closets and a full 2nd bath with a tub/shower combo, large vanity, and built-in linen closet creating the perfect space for family or guests. The kitchen, dining, and living room combination are perfect for entertaining. Features include two refrigerators, two microwaves, a built-in pantry with custom shelving, ample countertop space, a large island with electric and built-in storage, and bar-style seating. The Kitchen includes two refrigerators, two microwaves, range, microwave, and a built-in pantry with custom shelving, lots and lots of countertop space, a large island with electric, built-in storage, and bar-style seating. Modern Amenities and Renovations include newer electric and plumbing, custom plantation shutters, updated kitchen cabinets, bathroom vanities, quartz and granite countertops, newer appliances, new tile flooring throughout, custom baseboards and crown molding, interior doors, and fresh interior paint, custom Hurricane Shutters, newer windows, and newer AC System. The exterior of the home offers mature and well-maintained landscaping, custom pavers, additional storage, a screened-in swimming pool with a new pool pump, new seawall, two large patios, one off the primary suite and another adjacent to the large, enclosed pool lanai. Enjoy the fire pit and boat dock with a powered covered 12,000 lbs. boat lift for dry storage accommodating a boat up-to 30’ boat making for quick access with bridge free navigation to Tampa Bay and the Gulf of Mexico. The large, beautiful oak tree that canopies the backyard provides the perfect amount of shade to enjoy your mornings, afternoons, and sunsets while watching the manatee, dolphins swim by to complete your outdoor experience. This home has everything you need to enjoy the waterfront living at its best. This home offers the best of waterfront living with its thoughtful layout, modern amenities, and stunning views from almost every room. Perfect for families, couples, or individuals seeking a serene environment, this home is an entertainer's dream and a tranquil retreat all in one. Don’t miss out on this incredible opportunity to own a piece of paradise. Located in one of Florida’s top vacation destinations, this home has the potential to bring up to $3,500 a month for rental purposes. Schedule a viewing today and make this beautiful house your new home! Buyers and their agents are responsible for verifying all listing information and measurements.
Last Agent to Sell the Property
XCELLENCE REALTY, INC Brokerage Phone: 866-595-6025 License #3294582 Listed on: 06/25/2024
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $6,629
Year Built
- Built in 1975
Lot Details
- 0.26 Acre Lot
- Lot Dimensions are 75x143
- 75 Feet of Salt Water Canal Waterfront
- Property fronts a saltwater canal
- East Facing Home
- Mature Landscaping
- Oversized Lot
- Level Lot
- Irrigation Equipment
- Cleared Lot
- Oak Trees
- Property is zoned RSC-6
Parking
- 2 Car Attached Garage
- Oversized Parking
- Ground Level Parking
- Garage Door Opener
- Driveway
Home Design
- Coastal Architecture
- Slab Foundation
- Metal Roof
- Block Exterior
- Stucco
Interior Spaces
- 1,975 Sq Ft Home
- 1-Story Property
- Open Floorplan
- Crown Molding
- Ceiling Fan
- Shutters
- Blinds
- French Doors
- Family Room Off Kitchen
- Living Room
- Dining Room
- Home Office
- Canal Views
- Hurricane or Storm Shutters
Kitchen
- Eat-In Kitchen
- Breakfast Bar
- Walk-In Pantry
- Range
- Recirculated Exhaust Fan
- Microwave
- Ice Maker
- Dishwasher
- Granite Countertops
- Solid Wood Cabinet
- Disposal
Flooring
- Tile
- Travertine
Bedrooms and Bathrooms
- 3 Bedrooms
- Split Bedroom Floorplan
- En-Suite Bathroom
- Walk-In Closet
- 2 Full Bathrooms
- Makeup or Vanity Space
- Single Vanity
- Bathtub with Shower
- Shower Only
- Rain Shower Head
- Built-In Shower Bench
- Window or Skylight in Bathroom
Laundry
- Laundry in Garage
- Washer and Electric Dryer Hookup
Eco-Friendly Details
- Energy-Efficient Appliances
- Energy-Efficient HVAC
- Energy-Efficient Insulation
- Energy-Efficient Thermostat
- Smoke Free Home
Pool
- In Ground Pool
- In Ground Spa
- Fiberglass Pool
Outdoor Features
- Beach Access
- Water access To Gulf or Ocean
- Access To Intracoastal Waterway
- Access to Saltwater Canal
- Seawall
- No Wake Zone
- Boat Lift
- Covered Boat Lift
- Berth or Dry Dock
- Dock has access to electricity and water
- Covered Dock
- Dock made with Composite Material
- Deck
- Enclosed Patio or Porch
- Exterior Lighting
- Shed
- Rain Gutters
- Private Mailbox
Location
- Flood Zone Lot
- Property is near public transit
Utilities
- Central Heating and Cooling System
- Vented Exhaust Fan
- Thermostat
- Underground Utilities
- Electric Water Heater
- High Speed Internet
- Phone Available
- Cable TV Available
Community Details
- No Home Owners Association
- Sable Cove Unit 2 Subdivision
Listing and Financial Details
- Visit Down Payment Resource Website
- Legal Lot and Block 35 / 3
- Assessor Parcel Number U-07-32-19-1VF-000003-00035.0
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 25, 2024
Closed on
May 1, 2025
Sold by
Nicholson Philip and Nicholson Felicia L
Bought by
Decommer James Allan
Seller's Agent
Felicia Gaffney
XCELLENCE REALTY, INC
Buyer's Agent
Tenley Cramer
CENTURY 21 BEGGINS ENTERPRISES
List Price
$815,500
Sold Price
$673,500
Premium/Discount to List
-$142,000
-17.41%
Views
59
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$4,761
Avg. Annual Appreciation
1.61%
Original Mortgage
$639,682
Outstanding Balance
$637,426
Interest Rate
6.67%
Mortgage Type
New Conventional
Estimated Equity
$40,835
Purchase Details
Closed on
Nov 1, 2024
Sold by
Nicholson Philip C
Bought by
Nicholson Philip C and Nicholson Felicia L
Purchase Details
Closed on
Sep 20, 2024
Sold by
Nicholson Philip C
Bought by
Nicholson Philip Charles and Nicholson Felicia
Purchase Details
Closed on
Aug 16, 2016
Sold by
Stancil Steven and Stancil Betty
Bought by
Nicholson Phillip C and Nicholson Carol M
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$216,500
Interest Rate
3.41%
Mortgage Type
New Conventional
Purchase Details
Closed on
May 27, 1999
Sold by
Walk Gregory E and Walk Hope
Bought by
Stancil Steven and Stancil Betty
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$142,140
Interest Rate
6.84%
Mortgage Type
VA
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $673,350 | Flagship Title | |
| Deed | -- | None Listed On Document | |
| Quit Claim Deed | -- | None Listed On Document | |
| Warranty Deed | $341,500 | Hillsborough Title Inc | |
| Warranty Deed | $138,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $639,682 | New Conventional | |
| Previous Owner | $216,500 | New Conventional | |
| Previous Owner | $143,654 | VA | |
| Previous Owner | $142,140 | VA |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 05/01/2025 05/01/25 | Sold | $673,500 | -9.0% | $341 / Sq Ft |
| 02/21/2025 02/21/25 | Pending | -- | -- | -- |
| 08/10/2024 08/10/24 | Price Changed | $740,000 | -5.1% | $375 / Sq Ft |
| 07/08/2024 07/08/24 | Price Changed | $780,000 | -4.4% | $395 / Sq Ft |
| 06/25/2024 06/25/24 | For Sale | $815,500 | -- | $413 / Sq Ft |
Source: Stellar MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $6,853 | $400,224 | -- | -- |
| 2023 | $6,629 | $388,567 | $0 | $0 |
| 2022 | $6,203 | $367,704 | $0 | $0 |
| 2021 | $6,130 | $356,994 | $108,150 | $248,844 |
| 2020 | $6,176 | $322,027 | $92,700 | $229,327 |
| 2019 | $5,625 | $288,462 | $92,700 | $195,762 |
| 2018 | $5,233 | $264,621 | $0 | $0 |
| 2017 | $4,949 | $246,757 | $0 | $0 |
| 2016 | $2,058 | $133,406 | $0 | $0 |
| 2015 | $2,079 | $132,479 | $0 | $0 |
| 2014 | $2,054 | $131,428 | $0 | $0 |
| 2013 | -- | $129,486 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Felicia Gaffney
-
Tenley Cramer
Buyer's Agent in 2025
Tenley Cramer
CENTURY 21 BEGGINS ENTERPRISES
(716) 861-7013
2 in this area
61 Total Sales
Map
Source: Stellar MLS
MLS Number: P4930784
APN: U-07-32-19-1VF-000003-00035.0
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IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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