882 Olive Conch St · Ruskin, FL
Flood risk 10/10 · Severe
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 26 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- ARV discount +12.1/15.0
- Cash flow +7.1/30.0
- Condition / age +4.0/5.0
- Schools +3.6/10.0
- Livability +3.6/5.0
- Rent growth +2.7/5.0
- 1% rule +2.6/10.0
- DSCR +1.3/10.0
- Appreciation +0.0/10.0
$359,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Under Construction. The Boston floor plan is a spacious 2,215 square foot new home with five bedrooms and two and a half bathrooms. This floor plan provides plenty of space to accommodate your family. The enormous kitchen makes it easy and fun to host, entertain, or prepare a grand Sunday night dinner for the family. The dining room opens into an enormous family room, for everyone to enjoy friends and family between meals. The second floor contains the owner's suite with a double vanity and water closet for convenience. You'll love having extra room with this floor plan with four additional bedrooms, a full-sized bathroom and loft, and perfect place for an office space or to just kick back and watch a movie. Interior photos disclosed are different from the actual model being built.
Key facts
- Ample cabinetry
- Private backyard
- 5,000 sq ft lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 5-bed/3.0-bath single-family listed at $360k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-941 ($-11k/yr) — negative.
- To cash-flow at today's rent, offer at most $194k (46.2% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $275k (23.5% below list).
- Recommended offer: $194k (46.2% below list) — sets the bar for cash-flow.
Location & tenants
- Location reads 71/100 on livability (#392 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, commute B+; Watch: amenities F, health & safety F.
- Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Thompson Elementary (math 42% / reading 40%, grade F, #1,454 of 2,144 statewide, top 69%, 744 students, 69% FRL); Shields Middle School (math 29% / reading 27%, grade F, #486 of 571 statewide, top 86%, 1,867 students, 68% FRL); Lennard High School (math 30% / reading 46%, grade F, #328 of 667 statewide, top 50%, 2,404 students, 47% FRL).
- Zoned-school proficiency averages 36% at this address vs 48% district-wide (-13 pts) — the specific schools serving this property underperform the Hillsborough average; the district grade overstates school quality for this exact location.
- Market conditions: Rents flat; 770 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals lingering (median 57d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 70% of comp listings sitting > 30 days — soft ceiling on asking rent; 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
- At $2,753/mo this rent would consume 46% of the median local household income ($72k/yr) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
- Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 147 days — a 12% lower offer ($317k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 6y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $259k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 147 days. Have you received any prior offers? Is the seller open to a 46% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.76% ✗
- Cap rate
- 4.58%
- Cash-on-cash
- -6.12%
- DSCR
- 0.73
- GRM
- 10.9
CMA / ARV
- ARV (median comp)
- $400,519
- List price
- $359,900
- Delta
- -10.14%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 823 Seminole Sky Dr | 0.15mi | 4/2.5 (-1) | 1,998 (-12%) | 0mo | $412,000 | $206 | 66 |
| 1532 Bonita Bluff Ct | 0.43mi | 4/3.0 (-1) | 2,210 (-2%) | 7mo | $210,500 | $95 | 65 |
| 451 Sunlit Coral St | 0.40mi | 5/3.0 | 2,522 (+11%) | 2mo | $339,900 | $135 | 61 |
| 972 Ocean Spray Dr | 0.35mi | 4/2.0 (-1) | 1,926 (-15%) | 2mo | $320,000 | $166 | 48 |
| 1548 Mira Lago Cir | 0.61mi | 4/3.0 (-1) | 2,518 (+11%) | 1mo | $540,000 | $214 | 47 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 0.9% rent growth · sell at horizon
- IRR
- -39.7%
- Equity multiple
- -0.23×
- Total profit
- $-123,514
- Equity at exit
- $53,662
- IRR
- -83.8%
- Equity multiple
- -1.04×
- Total profit
- $-205,394
- Equity at exit
- $31,118
Cash invested: $100,772 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 38 active · 20 under contract
- Months of supply
- 32.6 mo (3%/mo absorbed)
- Median asking
- $384,400 ($161/sqft)
- Median days on market
- 89 d
- This list price
- 32% of active listings are priced below it
- ARV vs active asking
- +10.0% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 33570
- Home prices YoY
- -28.8%
- Rents YoY
- 0.9%
- Active inventory
- 770
- Price-to-rent
- 10.9×
Monthly cashflow live
- Estimated rent
- $2,753 high interval (Pro) →
- Mortgage (P&I)
- −$1,887
- Tax from tax record
- −$643 /mo · $7,714/yr
- Insurance
- −$150
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$9
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$578
- Net cashflow
- $-941
Break-even live
Sensitivity live
| Price | -10% $-737 | -5% $-839 | +0% $-941 | +5% $-1,043 | +10% $-1,145 |
|---|---|---|---|---|---|
| Rent | -10% $-1,158 | -5% $-1,050 | +0% $-941 | +5% $-832 | +10% $-723 |
| Rate | -1.0pp $-760 | -0.5pp $-849 | base $-941 | +0.5pp $-1,034 | +1.0pp $-1,129 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $89,975
- Closing costs
- $10,797
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 37 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 861 Olive Conch St Ruskin, FL | 4.0 | 2.5 | 1914 | $2,300 | $1.20 | 101d | 1 | 0.00mi |
| 951 Olive Conch St Ruskin, FL | 5.0 | 2.5 | 2389 | $2,700 | $1.13 | 120d | 1 | 0.06mi |
| 774 Olive Conch St Ruskin, FL | 5.0 | 2.5 | 2264 | $2,650 | $1.17 | 95d | 1 | 0.07mi |
| 929 Anchor Bend Dr Ruskin, FL | 4.0 | 2.0 | 1935 | $2,495 | $1.29 | 60d | 1 | 0.12mi |
| 1045 7th Ave NW Ruskin, FL | 4.0 | 2.5 | 1914 | $2,351 | $1.23 | 10d | 1 | 0.16mi |
| 811 Parker Den Dr Ruskin, FL | 4.0 | 2.5 | 2325 | $2,800 | $1.20 | 120d | 1 | 0.16mi |
| 823 Seminole Sky Dr Ruskin, FL | 4.0 | 2.5 | 1998 | $2,500 | $1.25 | 1d | 1 | 0.17mi |
| 602 Olive Conch St Ruskin, FL | 4.0 | 2.5 | 2078 | $2,300 | $1.11 | 101d | 1 | 0.18mi |
| 501 Calico Scallop St Ruskin, FL | 4.0 | 2.0 | 1846 | $2,100 | $1.14 | 45d | 1 | 0.26mi |
| 984 Ocean Spray Dr Ruskin, FL | 4.0 | 3.0 | 2260 | $2,315 | $1.02 | 63d | 1 | 0.34mi |
| 996 Ocean Spray Dr Ruskin, FL | 5.0 | 3.0 | 2387 | $2,580 | $1.08 | 58d | 1 | 0.34mi |
| 1215 Ocean Spray Dr Ruskin, FL | 4.0 | 2.5 | 2035 | $2,290 | $1.13 | 63d | 1 | 0.39mi |
| 1215 Ocean Spray Dr Ruskin, FL | 4.0 | 2.5 | 2035 | $2,290 | $1.13 | 42d | 1 | 0.39mi |
| 477 Sunlit Coral St Ruskin, FL | 4.0 | 2.5 | 2328 | $2,149 | $0.92 | 120d | 1 | 0.40mi |
| 1849 Mira Lago Cir Ruskin, FL | 4.0 | 3.0 | 2972 | $2,450 | $0.82 | 0d | 1 | 0.58mi |
| 1620 Bonita Bluff Ct Ruskin, FL | 4.0 | 2.0 | 2187 | $2,166 | $0.99 | 101d | 1 | 0.61mi |
| 1822 Raven Glen Dr Ruskin, FL | 4.0 | 2.0 | 1846 | $3,000 | $1.63 | 6d | 1 | 0.66mi |
| 1761 Bonita Bluff Ct Ruskin, FL | 4.0 | 2.0 | 2112 | $2,295 | $1.09 | 45d | 1 | 0.72mi |
| 1824 Mira Lago Cir Ruskin, FL | 4.0 | 2.0 | 2358 | $2,540 | $1.08 | 69d | 1 | 0.73mi |
| 1824 Mira Lago Cir Ruskin, FL | 4.0 | 2.0 | 2358 | $2,540 | $1.08 | 89d | 1 | 0.73mi |
| 1881 Sand Daisy Pl Ruskin, FL | 4.0 | 2.5 | 2439 | $2,600 | $1.07 | 30d | 1 | 0.74mi |
| 165 Rain Berry Ave Ruskin, FL | 4.0 | 2.5 | 2439 | $2,600 | $1.07 | 89d | 1 | 0.76mi |
| 515 Vista Ridge Dr Ruskin, FL | 6.0 | 3.5 | 2756 | $2,800 | $1.02 | 101d | 1 | 0.82mi |
| 320 Blue Point Dr Ruskin, FL | 4.0 | 2.0 | 1767 | $2,110 | $1.19 | 79d | 1 | 0.92mi |
| 5234 Clover Mist Dr Apollo Beach, FL | 4.0 | 2.0 | 2018 | $2,325 | $1.15 | 45d | 1 | 1.11mi |
| 588 Royal Empress Dr Ruskin, FL | 5.0 | 2.5 | 2215 | $2,450 | $1.11 | 4d | 1 | 1.15mi |
| 419 Halifax Bay Ct Apollo Beach, FL | 4.0 | 2.5 | 2379 | $3,500 | $1.47 | 8d | 1 | 1.17mi |
| 416 Royal Empress Dr Ruskin, FL | 4.0 | 2.5 | 1914 | $2,495 | $1.30 | 5d | 1 | 1.26mi |
| 1074 Seagrape Dr Ruskin, FL | 4.0 | 3.5 | 2913 | $5,750 | $1.97 | 43d | 1 | 1.29mi |
| 403 Royal Empress Dr Ruskin, FL | 4.0 | 2.5 | 1914 | $2,500 | $1.31 | 74d | 1 | 1.32mi |
| 919 Wynnmere Walk Ave Ruskin, FL | 4.0 | 2.0 | 1851 | $2,230 | $1.20 | 10d | 1 | 1.34mi |
| 409 Delwood Breck St Ruskin, FL | 4.0 | 2.0 | 2110 | $2,230 | $1.06 | 3d | 1 | 1.35mi |
| 308 9th St NE Ruskin, FL | 4.0 | 2.0 | 2198 | $2,029 | $0.92 | 45d | 1 | 1.38mi |
| 513 9th St NE Ruskin, FL | 4.0 | 2.0 | 2095 | $1,970 | $0.94 | 1d | 1 | 1.39mi |
| 1011 Seagrape Dr Ruskin, FL | 4.0 | 4.0 | 2875 | $4,150 | $1.44 | 27d | 1 | 1.42mi |
| 1221 Barclay Wood Dr Ruskin, FL | 4.0 | 2.0 | 2169 | $2,260 | $1.04 | 56d | 1 | 1.44mi |
| 3027 Bermuda Sloop Cir Ruskin, FL | 4.0 | 4.0 | 2869 | $4,900 | $1.71 | 114d | 1 | 1.46mi |
Property features AI
Finance
- Other
- Association fee covers common area taxes, grounds maintenance, management, and recreational facilitiesUnfurnished
- Financial info
- Lease restrictions apply
- HOA & community
- HOA membership required (monthly fee included)Monthly HOA fee approximately $9.17Community amenities: clubhouse, fitness center, park, playground, pool, recreation facilities, tennis courts, sidewalksDeed restrictions applyPets allowed
Exterior
- Parking
- Attached garage with 2 spaces
- Security
- Community security (HOA)
- Utilities
- Public waterPublic sewerElectricity availableCable availablePhone availableBroadband/high-speed internet available
- Home design
- Single family residenceResidential property2 total storiesEast-facing
- Construction
- Block and stucco constructionShingle roofSlab foundationBuilt as a two-story home
- Exterior features
- Front porchRear porchPatioExterior lightingSidewalksLandscaped yardPaved driveway
Interior
- Kitchen
- DishwasherRangeMicrowaveRefrigerator
- Bedrooms
- 5 bedrooms
- Flooring
- CarpetCeramic tile
- Bathrooms
- 2 full bathrooms1 half bathroom
- Heating & cooling
- Central heatingCentral air conditioning
- Interior features
- Ceiling fansEat-in kitchenLiving room/dining room comboOpen floorplanWalk-in closets
- Laundry & utility
- Dedicated laundry roomWasherDryer
HOA detail $9/mo · $108/yr
- Likely covers
- water
Listing history 50 events
-
2026-09-24days on market $359,900 Active 147 DOM
-
2026-09-23days on market $359,900 Active 146 DOM
-
2026-09-22days on market $359,900 Active 145 DOM
-
2026-09-21days on market $359,900 Active 144 DOM
-
2026-09-20days on market $359,900 Active 143 DOM
-
2026-09-19days on market $359,900 Active 142 DOM
-
2026-09-18days on market $359,900 Active 141 DOM
-
2026-09-17days on market $359,900 Active 140 DOM
-
2026-09-16days on market $359,900 Active 139 DOM
-
2026-09-15days on market $359,900 Active 138 DOM
-
2026-09-14days on market $359,900 Active 137 DOM
-
2026-09-13days on market $359,900 Active 136 DOM
-
2026-09-12days on market $359,900 Active 135 DOM
-
2026-09-11days on market $359,900 Active 134 DOM
-
2026-09-05days on market $359,900 Active 128 DOM
-
2026-09-04days on market $359,900 Active 127 DOM
-
2026-09-03days on market $359,900 Active 126 DOM
-
2026-08-31days on market $359,900 Active 123 DOM
-
2026-08-30days on market $359,900 Active 122 DOM
-
2026-08-29days on market $359,900 Active 121 DOM
-
2026-08-28days on market $359,900 Active 120 DOM
-
2026-08-27days on market $359,900 Active 119 DOM
-
2026-08-26days on market $359,900 Active 118 DOM
-
2026-08-25days on market $359,900 Active 117 DOM
-
2026-08-24days on market $359,900 Active 116 DOM
-
2026-08-23days on market $359,900 Active 115 DOM
-
2026-08-22days on market $359,900 Active 114 DOM
-
2026-08-20days on market $359,900 Active 112 DOM
-
2026-08-19days on market $359,900 Active 111 DOM
-
2026-08-18days on market $359,900 Active 110 DOM
-
2026-08-17days on market $359,900 Active 109 DOM
-
2026-08-16days on market $359,900 Active 108 DOM
-
2026-08-15days on market $359,900 Active 107 DOM
-
2026-08-14days on market $359,900 Active 106 DOM
-
2026-08-13days on market $359,900 Active 105 DOM
-
2026-08-12days on market $359,900 Active 104 DOM
-
2026-08-11days on market $359,900 Active 103 DOM
-
2026-08-10days on market $359,900 Active 102 DOM
-
2026-08-09days on market $359,900 Active 101 DOM
-
2026-08-08days on market $359,900 Active 100 DOM
-
2026-08-06days on market $359,900 Active 98 DOM
-
2026-08-05days on market $359,900 Active 97 DOM
-
2026-08-04days on market $359,900 Active 96 DOM
-
2026-08-03days on market $359,900 Active 95 DOM
-
2026-07-31days on market $359,900 Active 92 DOM
-
2026-07-30days on market $359,900 Active 90 DOM
-
2026-07-28days on market $359,900 Active 89 DOM
-
2026-07-26days on market $359,900 Active 87 DOM
-
2026-07-24days on market $359,900 Active 85 DOM
-
2026-07-23days on market $359,900 Active 84 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast FL · Resets to sale price
- Current annual tax
- $7,714 · $643/mo
- Projected year-2 tax
- $7,714 · $643/mo
- Expected delta
- $0/yr ($0/mo · -0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $33,035
- − Mortgage interest
- −$20,160
- − Property taxes
- −$7,714
- − Insurance
- −$6,918
- − Repairs & maintenance
- −$2,643
- − Management
- −$2,643
- − HOA
- −$108
- − Depreciation
- −$10,470
- Taxable loss
- −$17,620
- Est. tax savings @ 24.0%
- +$4,229
- After-tax cash flow
- $-7,062/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 12 photos
This move-in ready home in Ruskin offers a good condition with a good condition score of 80. It has a good kitchen, bathrooms, exterior, flooring, interior walls/paint, windows, foundation/structure, HVAC/mechanicals, and landscaping/curb appeal. The home is in good condition with no visible repairs needed. The highest-ROI updates that would raise its resale or rental value are painting exterior and interior walls, landscaping and curb appeal improvements, and replacing light fixtures.
Value-add opportunities
- Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
- Both Landscaping and curb appeal improvements — Enhances curb appeal and adds value ↑
- Both Replace light fixtures — Modernizes and improves lighting ↑
Zoned Schools
Schools (NCES district)
- District
- Hillsborough
- NCES district ID
- 1200870
- Math proficiency
- 47% ▼ -8.00%
- Reading proficiency
- 50% ▼ -4.00%
- Median HH income
- $50,622
- Composite
- 41.6/100
- National rank
- #3435
- State rank
- #41 of 73 in FL
Livability — Ruskin
- Score
- 71/100
- State rank
- #392
- US rank
- #6879
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Ruskin, FL
- County
- Hillsborough County · 1,607,022 people
- City population
- 33,319
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- Population (ZIP)
- 33,319
- Household income
- $72,172
- Rent vs Own
- Severe rent burden
- 15% of renters
Population outlook (Hillsborough County) Hauer SSP2
- Today (2025)
- 1,607,022 people
- By 2030
- 1,733,968 · +7.9%
- By 2040
- 1,979,565 · +23.2%
- By 2050
- 2,203,427 · +37.1%
- By 2075
- 2,667,893 · +66.0%
- By 2100
- 2,891,558 · +79.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.69)
- Race & ethnicity
- White 40% Hispanic / Latino 32% Black 23% Two or more races 13% Asian 2%
- Hispanic origin (detail)
- Mexican 16% Puerto Rican 6% Cuban 1% Dominican 4%
- Common ancestry
- Italian 2% Romanian 2% Hispanic 2%
- Foreign-born
- 13% · Canada, Jamaica
- Languages at home
- 72% English-only · Spanish 23% French/Haitian/Cajun 2%
Political lean MEDSL · Hillsborough
- 2024 margin
- Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
- 2008→2024 swing
- -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
- All cycles
- 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -112.10%
- Current HPI
- 277.8257
- Rent YoY
- ▲ 0.90%
- Metro
- Tampa-St. Petersburg-Clearwater, FL
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
|
||
| Insurance | 2 | $17B |
|
||
| Retail | 1 | $60B |
|
||
| Technology Distribution | 1 | $58B |
|
||
| Homebuilding | 1 | $35B |
|
||
| Technology Manufacturing | 1 | $35B |
|
||
Price history
-93.1% since first listed6 events — show timeline
- 2026-04-30 Listed $359,900 Stellar MLS as Distributed by MLS Grid
- 2021-02-25 Sold (MLS) $258,740 Stellar MLS as Distributed by MLS Grid
- 2020-11-17 Pending — Stellar MLS as Distributed by MLS Grid
- 2020-11-12 Price Changed $258,740 Stellar MLS as Distributed by MLS Grid
- 2020-11-06 Listed $258,490 Stellar MLS as Distributed by MLS Grid
- 2020-03-18 Sold (Public Records) $5,198,000 Public Records
Property tax history
+25.0%/yrLatest (2025): $7,714 · +11.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…