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$404,900

432 York Dale Drive

Ruskin, FL 33570

Listing updated: August 7, 2026 at 6:37 PM ET

Active

Listing courtesy of Property Logic Re · Mark D'Italia · MLS #O6409700 · Active · 407-909-3436

Beds

Baths

3,038

Sq Ft

0.14

Acres

2006

Built

◆3-car garage◆$133/sqft◆360° tour

Single Family Residence

Property type

2006

Year built

6,050 sqft

Lot size

$133

Price / sq ft

$98/mo

HOA dues

Days on market

Garage spaces

X500

Flood zone

About this home

Located in the gated Mira Lago West section of Ruskin, this 4 bedroom, 3 full bath home offers 3,038 sqft, a 3 car garage, and a seller credit of up to $17,208 toward buyer closing costs, prepaid expenses, and/or an interest rate buydown when using Seller’s preferred lender. The flexible floor plan includes an upstairs loft and a split-bedroom layout, with the primary suite privately positioned at the rear of the home and three secondary bedrooms on the opposite side.The kitchen has granite counters, wood cabinets, an island, breakfast bar, and pantry, opening to the family room and covered patio. A separate living and dining area, breakfast nook, and inside laundry room add more usable space on the first floor. The primary suite includes two walk-in closets, dual sinks, a garden tub, and a separate tiled shower. Tile and LVP flooring run throughout with no carpet. 2026 updates include two new A/C systems, fresh interior paint, new LED lighting, new bathroom fixtures and faucets, new smoke detectors, refreshed landscaping with irrigation, with roof replacement and exterior paint planned pending HOA approval. Out back, the covered patio and vinyl fenced yard offer private outdoor space, with I-75, E.G. Simmons Park, Little Harbor, shopping, dining, and Gulf Coast recreation nearby. Incentive is subject to lender approval, loan program restrictions, and terms outlined in the executed contract.

Estimated monthly payment

Principal & interest$2,047

Property taxes$679

Home insurance (est.)$186

HOA dues$98

Down payment

20%

$80,980 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 history53 days on market

Status: Active
Jun 15, 2026
Listed$414,900
Jun 15, 2026
Price reduced$404,900

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 53
Subdivision: Mira Lago West Ph 2b
County: Hillsborough
Year built: 2006
Living area: 3,038 sq ft
Price/sq ft: $133
Building area: 3,838 sq ft (Public Records)
Lot size: 6,050 sq ft
Lot category: 0 to less than 1/4
Flood zone: X500 (12057C0652J)
Garage: 3 spaces
Annual taxes: $8,151 (2025)
Parcel #: U-01-32-18-83J-000000-00455.0
Zoning: PD
MLS #: O6409700

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Interior Details

Bedrooms: 4
Full bathrooms: 3
Flooring: Laminate, Tile
Appliances: Microwave, Range
Interior features: Thermostat
Laundry: Inside
Stories / Levels: Two
Direction faces: East

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 3
Attached garage: Yes

HOA & Financial

HOA fee: $294 / Quarterly
Monthly HOA: $98/mo
Total monthly fees: $98/mo
Total annual fees: $1,176
HOA name: Mira Lago West /Excelsior Community Management LLC
CDD: Yes
Min lease term: 1-2 Years
Listing terms: Cash, Conventional, FHA, USDA Loan, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: Buyer to verify with HOA.
Approval process: Buyer to verify with HOA.

Exterior & Construction

Exterior features: Sidewalk
Construction materials: Block, Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Electricity Connected

Community

Pets allowed: Yes

Schools

ElementaryThompson ElementaryGreatSchools ↗

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
Kitchen	First	18.1x18.8
Living Room	First	13.3x23.11
Family Room	First	21.1x24.1
Primary Bedroom	First	17x19.8
Bedroom 2	First	12.11x13.6
Bedroom 3	First	11.8x11.4
Bedroom 4	First	11.9x10.11
Loft	Second	18x18.2

Listing Details

Listing date: 2026-06-15
On market date: 2026-06-15
Original list price: $414,900
Occupant type: Vacant
MLS area: 33570 - Ruskin/Apollo Beach
Listing AOR: Orlando Regional
Status changed: 2026-06-15
Tax legal description: MIRA LAGO WEST PHASE 2B LOT 455

Flood risk

Moderate riskFEMA Zone X500Panel 12057C0652J

Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.

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

Location

Directions

Follow I-75 S, US-23 S and I-75 S to Big Bend Rd in Hillsborough County. Take exit 246 from I-75 S. Take US-41 S/S Tamiami Trail to York Dale Dr in Ruskin. 432 York Dale Dr.

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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 August 7, 2026 at 6:37 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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