$315,000
1103 Coastal Hammock Avenue
Ruskin, FL 33570
Listing updated: May 9, 2026 at 6:15 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to 1103 Coastal Hammock Dr — where modern living, premium waterfront views, and an incredibly rare financing opportunity come together in one exceptional home. This beautifully maintained 2020-built home offers a highly sought-after assumable mortgage at just 2.99% interest, available to BOTH VA and non-VA buyers. Opportunities like this are extremely rare in today’s market and could mean substantial monthly savings compared to current interest rates. To make the deal even more attractive, the seller is also offering buyer closing cost assistance and is motivated, flexible, and easy to work with. Located in the desirable Brookside community of Ruskin, this better-than-new home has been meticulously cared for by its original owner and shows like a model home. With minimal wear and tear, two of the three bedrooms were never occupied, giving the home a clean, fresh, move-in-ready feel throughout. Inside, you’ll love the upgraded finishes and modern touches, including: • Luxury vinyl plank flooring • Epoxy-coated garage flooring • Modern glass shower enclosure • Bright open-concept living spaces • Immaculate condition throughout Step outside to one of the home’s most impressive features — a premium water-view lot with no rear neighbors. Enjoy peaceful pond views, added privacy, and direct gated access to a scenic walking trail right from your backyard. The resort-style community amenities, including the pool, playground, and amenity center, are conveniently located just steps away. Additional highlights include: • No flood insurance required • No hurricane damage • Strong 2020 construction for added peace of mind • Low-maintenance, move-in-ready condition • Convenient access to shopping, dining, schools, and major commuter routes Why wait months and pay more for new construction when you can own a fully upgraded, like-new home on a premium lot with a below-market assumable interest rate that could save you thousands every year? Homes offering this combination of financing, condition, location, and value rarely become available. Schedule your private showing today.
Estimated monthly payment
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 history7 days on market
- Status: ActiveMay 2, 2026
- Listed$315,000May 2, 2026
- Price increased$315,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 7
- Subdivision
- Brookside Estates
- County
- Hillsborough
- Year built
- 2020
- Living area
- 1,676 sq ft
- Price/sq ft
- $188
- Building area
- 2,266 sq ft (Public Records)
- Lot size
- 6,000 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12057C0658J)
- Garage
- 2 spaces
- Annual taxes
- $6,632 (2025)
- Parcel #
- U-17-32-19-B93-000007-00007.0
- Zoning
- PD
- MLS #
- TB8504408
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile, Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer
- Interior features
- Open Floorplan, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $85 / Annually
- Monthly HOA
- $7/mo
- Total monthly fees
- $7/mo
- Total annual fees
- $85
- HOA name
- Brookside Estates / Inframark Management
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 6 Months
- Listing terms
- Assumable, Cash, Conventional, FHA, USDA Loan, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Contact HOA to verify lease requirements and restrictions. Buyer to verify all information
- Approval process
- Contact HOA to verify lease requirements and restrictions. Buyer to verify all information
Exterior & Construction
- Exterior features
- Hurricane Shutters, Playground, Sidewalk, Sliding Doors
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Electricity Available, Public, Water Available
Community
- Pets allowed
- Cats OK, Dogs OK, Yes
Schools
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 | First | |
| Living Room | First | |
| Dining Room | First | |
| Kitchen | First |
Listing Details
- Listing date
- 2026-05-02
- On market date
- 2026-05-02
- Original list price
- $315,000
- Occupant type
- Owner
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Orlando Regional
- Status changed
- 2026-05-02
- Tax legal description
- BROOKSIDE ESTATES PHASE 1 AND 2 LOT 7 BLOCK 7
Flood risk
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
If heading east on 21st Ave., Southeast take a right on 12th St. and then left on coastal hammock. The house is on the left.
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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 9, 2026 at 6:15 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.
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