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$364,000

1521 CUSTER BAYOU STREET, RUSKIN, FL 33570

3D Tour
Active31 days on market

Beds

4

Baths

3

Sq Ft

2,445 sq ft

Year Built

2016

Lot Size

0.13 acres

Garage

2

About This Property

1521 Custer Bayou Street, Ruskin, FL 33570 | 4 Beds | 2.5 Baths | 2,445 Sq Ft | 3.00% ASSUMABLE LOAN | Gated Bayridge | Community Pool + Playground | Solar Panels | Screened Lanai | 2-Car Garage | No CDD A 3.00% assumable loan with approximately $164,000 remaining creates a standout opportunity at 1521 Custer Bayou Street Qualified buyers are welcome to pursue the assumption, subject to loan servicer approval. Life at 1521 Custer Bayou Street is built around having more time to enjoy home. Start the morning on the covered front porch, spend an afternoon at the Bayridge community pool, and end the day on the screened rear lanai while the HOA handles the lawn and grounds maintenance. Inside, 2,445 heated square feet creates room to spread out across two levels, with open gathering spaces downstairs and a second living area upstairs. The main level connects the kitchen, dining areas, and living room in an easy flow for everyday meals, game nights, or hosting friends. Upgraded luxury vinyl flooring installed in 2022 runs through the main living spaces, complemented by high ceilings and tray-ceiling details. The kitchen centers around a large island with stone counters, solid wood cabinetry, a closet pantry, and Samsung Bespoke refrigerator, range, microwave, and dishwasher installed in March 2023. The dining space includes a custom built-in dry bar with glass cabinets and a wine fridge. Sliding glass doors extend the living space to the screened rear porch and patio, keeping indoor and outdoor time connected. A flexible first-floor room near the powder bath adds useful space for changing needs. Upstairs, the separate loft creates another place to relax away from the main living room. The primary suite has a walk-in closet and an en suite bath with dual sinks, stone counters, and a walk-in shower. A dedicated upstairs laundry room keeps daily routines close to the bedrooms. The outdoor spaces give you multiple ways to enjoy Florida weather without leaving home. The attached 2-car garage adds parking and storage, while irrigation, rain gutters, and a private yard support day-to-day function. Important updates add value where it matters. Solar panels were installed in July 2023, with the seller to pay the remaining solar financing balance at closing. A built-in dry bar was added to the dining area. The water heater was replaced in February 2023, and a reverse-osmosis system and whole-home water softener were added in July 2025. The seller reports the HVAC system as approximately one year old. Samsung Bespoke kitchen appliances were installed in March 2023. Bayridge is a gated Ruskin community with a pool, playground, sidewalks, and private paved roads. The required $282/month HOA fee covers community pool care, grounds maintenance, manager services, private-road maintenance, and recreational facilities, giving you fewer exterior chores and more time to enjoy the neighborhood amenities. There is no CDD. ***** WHAT THE SELLER LOVES The lifestyle here is easy to settle into: coffee on the front porch, afternoons at the community pool, evenings on the screened lanai, and a fenced yard ready for time outside. Inside, the upgraded flooring, Samsung Bespoke kitchen appliances, custom dining dry bar, solar panels, and whole-home water treatment make the home feel thoughtfully updated, while HOA-included lawn care means weekends can stay focused on enjoying the home instead of maintaining the yard.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8548307
StatusActive
Year Built2016
Stories2
Total Rooms13
ConstructionBlock, Stucco, Wood Frame
RoofShingle
FoundationSlab
FacesWest
SubdivisionBAYRIDGE
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile, Luxury Vinyl
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Water Softener, Wine Refrigerator
LaundryInside, Laundry Room
WindowsBlinds, Drapes, Rods, Window Treatments
CoolingCentral Air
HeatingCentral, Electric
SecurityGated Community, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Yard, Rain Gutters, Sidewalk, Sliding Doors
FencingFenced, Other
Lot Size0.13 acres (5,480 sq ft)
Lot FeaturesIn County, Landscaped, Level, Sidewalk
Road SurfacePaved, Asphalt
ViewTrees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Sewer Connected, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$282 / Monthly
Senior CommunityNo

Financial Details

List Price$364,000
Original Price$365,000
Annual Taxes$4,058 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #U0432199YH00000000027.0

Schools

ElementaryCypress Creek-HB
MiddleShields-HB
HighLennard-HB

Directions

From US-41: head east on 19th Ave NE, turn right onto 18th St NE, turn right onto Cabbage Key Dr, and turn right onto Custer Bayou St. From I-75: take Exit 240 for FL-674 W toward Ruskin, turn right onto 24th St NE, turn left onto 19th Ave NE, turn left onto 18th St NE, turn right onto Cabbage Key Dr, and turn right onto Custer Bayou St.

Location

1521 CUSTER BAYOU STREET, RUSKIN, FL 33570

Listing Information

Office27NORTH REALTY
ListedSeptember 15, 2026

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Home Price

$364,000

20% ($72,800)
6.75%

Loan Term

Principal & Interest$1,889
Property Tax (est.)$334
Insurance (est.)$150
Total Monthly$2,372
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $364,000 home in RUSKIN.

🏛️

FHA Loan

$12,740 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

$18,200 Down

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

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 16, 2026.

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