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$389,900

432 YORK DALE DRIVE, RUSKIN, FL 33570

3D Tour
Active113 days on market

Beds

4

Baths

3

Sq Ft

3,038 sq ft

Year Built

2006

Lot Size

0.14 acres

Garage

3

About This Property

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 $16,570 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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6409700
StatusActive
Year Built2006
Total Rooms8
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionMIRA LAGO WEST PH 2B
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorThermostat
FlooringLaminate, Tile
AppliancesMicrowave, Range
LaundryInside
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorSidewalk
Lot Size0.14 acres (6,050 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$294 / Quarterly
Senior CommunityNo

Financial Details

List Price$389,900
Original Price$414,900
Annual Taxes$8,151 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningPD
Parcel #U01321883J00000000455.0

Schools

ElementaryThompson Elementary
MiddleShields-HB
HighLennard-HB

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.

Location

432 YORK DALE DRIVE, RUSKIN, FL 33570

Listing Information

OfficePROPERTY LOGIC RE
ListedJune 15, 2026

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Home Price

$389,900

20% ($77,980)
6.75%

Loan Term

Principal & Interest$2,023
Property Tax (est.)$357
Insurance (est.)$150
Total Monthly$2,531
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $389,900 home in RUSKIN.

🏛️

FHA Loan

$13,647 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,495 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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. Data last updated: October 2, 2026.

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