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$389,900

1038 Kelly Fern Loop

Ruskin, FL 33570

Listing updated: June 25, 2026 at 8:23 PM ET

Active

Listing courtesy of Dalton Wade Inc · Cuc Dinh · MLS #TB8395971 · Active · 888-668-8283

Beds

Baths

2,289

Sq Ft

0.21

Acres

2022

Built

◆$170/sqft◆360° tour

Single Family Residence

Property type

2022

Year built

9,111 sqft

Lot size

$170

Price / sq ft

$50/mo

HOA dues

337

Days on market

Garage spaces

Flood zone

About this home

Fresh, Stylish, and Move-In Ready in South Haven! Welcome to this beautifully built 2022 home that blends modern style with everyday comfort. The open-concept layout centers around a spacious kitchen featuring sleek 36" raised-panel cabinets, a walk-in pantry, and easy-care ceramic tile that flows throughout the main living areas—including the foyer, flex room, kitchen, family room, laundry, and bathrooms. Need peace of mind? Hurricane shutters are already in place. The generously sized primary suite is bathed in natural light and includes its own walk-in closet for added convenience. Upstairs, a flexible loft and bonus room give you plenty of options—whether you’re setting up a home office, gym, or playroom. Practical touches like under-stair storage, a guest bath with a separate vanity area, and roomy bedrooms (including one with a walk-in closet) make everyday living easy. Even better? The washer and dryer stay with the home. Step outside into your private fenced backyard—a great spot for cookouts, relaxing with friends, or letting pets roam freely. With an irrigation system already installed, keeping the landscaping lush is a breeze. South Haven offers great amenities like a tot lot and dog park, and it’s just minutes from E.G. Simmons Park and Little Harbor—perfect for fishing, boating, camping, or simply soaking in the Florida sunshine. Plus, you're just under 2 miles from the Amazon Fulfillment Center and within 15 minutes of all your daily essentials. Cal today to schedule your showing of this recently built gem before it's gone. Owner Financing Available.

Estimated monthly payment

Principal & interest$1,972

Property taxes$548

Home insurance (est.)$179

HOA dues$50

Down payment

20%

$77,980 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history337 days on market

Status: Active
Jun 17, 2026
Listed$399,900
Jul 22, 2025
Price reduced$389,900

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 337
Subdivision: South Haven
County: Hillsborough
Year built: 2022
Living area: 2,289 sq ft
Price/sq ft: $170
Building area: 2,758 sq ft (Public Records)
Lot size: 9,111 sq ft
Lot category: 0 to less than 1/4
Flood zone: X
Garage: 2 spaces
Annual taxes: $6,577 (2024)
Parcel #: U-04-32-19-C51-000000-00047.0
Zoning: PD
MLS #: TB8395971

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Interior Details

Bedrooms: 4
Full bathrooms: 3
Flooring: Carpet, Vinyl
Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range
Interior features: High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat, Walk-In Closet(s)
Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup
Stories / Levels: Two
Direction faces: Southwest

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $50 / Monthly
Monthly HOA: $50/mo
Total monthly fees: $50/mo
Total annual fees: $600
HOA name: Lisa Coleman
CDD: No
Min lease term: 7 Months
Listing terms: Cash, Conventional, FHA, Owner Financing
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: See HOA Declaration Section 9.19

Exterior & Construction

Exterior features: Lighting, Sidewalk, Sliding Doors
Construction materials: Block, Cement Siding, Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Connected, Electricity Connected, Fire Hydrant, Phone Available, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected

Community

Pets allowed: Yes

Schools

ElementaryCypress Creek-HBGreatSchools ↗

MiddleShields-HBGreatSchools ↗

High SchoolLennard-HBGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Primary Bedroom	Second	16x15
Kitchen	First	24x15
Living Room	First	19x13
Loft	Second	13x19

Listing Details

Listing date: 2025-07-22
On market date: 2025-07-22
Original list price: $399,900
Occupant type: Vacant
MLS area: 33570 - Ruskin/Apollo Beach
Listing AOR: Suncoast Tampa
Status changed: 2026-06-17
Tax legal description: SOUTH HAVEN LOT 47

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

I-75 to Ruskin Exit 240 (E College Ave/674 W) Head West on E College Ave/674 Turn right onto 24th St NE Turn left onto Harris Hawk Ave

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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.

Based on information submitted to the MLS GRID as of June 25, 2026 at 8:23 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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