$389,900

1038 Kelly Fern Loop

Ruskin, FL 33570

Active
4
Beds
3
Baths
2,289
Sq Ft
0.21
Acres
2022
Built
$170/sqft360° tour
🏠Single Family Residence

Property type

🏗️2022

Year built

📐9,111 sqft

Lot size

📊$170

Price / sq ft

🏘️$50/mo

HOA dues

📅290

Days on market

🚗2

Garage spaces

🌊X

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.

Estimated monthly payment

Principal & interest$1,972
Property taxes$548
Home insurance (est.)$179
HOA dues$50

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 history290 days on market

  1. Status: Active
    Jul 23, 2025
  2. Listed$399,900
    Jul 22, 2025
  3. Price reduced$389,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
290
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

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
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

RoomLevelDimensions
Primary BedroomSecond16x15
KitchenFirst24x15
Living RoomFirst19x13
LoftSecond13x19

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
2025-07-23
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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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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 May 8, 2026 at 6:52 AM 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA