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9823 LEMON DROP LOOP, Ruskin, FL, 33573

6beds
3baths
3,130sqft
$494,900
$158price/sqft
$4,021/moest. monthly cost
$160,840/yrincome needed

About This Home

Welcome home to 9823 Lemon Drop Loop, Ruskin, FL – Where Space Meets Florida Lifestyle! Experience the perfect blend of comfort, style, and resort-style living in this exceptional 6-bedroom, 3-bathroom lake view home offering over 3,100 square feet of beautifully designed living space. With an open-concept floor plan and an expansive loft, this home provides the flexibility today's buyers are looking for—whether you need space for a growing family, multigenerational living, a home office, or an entertainment area. The heart of the home features spacious living and dining areas that flow seamlessly together, creating the perfect setting for everyday living and memorable gatherings. The well-appointed kitchen is designed to impress, featuring a gas range that will delight home chefs and make meal preparation a pleasure. Generously sized bedrooms ensure everyone has their own private retreat, while the versatile loft offers endless possibilities as a media room, playroom, fitness area, or second living space. This home is loaded with thoughtful upgrades, including a whole-home surge protector for added peace of mind and a whole-home water softener and filtration system, providing enhanced water quality and comfort throughout the home. Step outside and discover your own private backyard paradise. The heated saltwater pool is ideal for year-round enjoyment, making every day feel like a vacation. Whether you're entertaining guests, hosting summer barbecues, or relaxing after a long day, this outdoor oasis is designed for the Florida lifestyle. Beyond your front door, enjoy outstanding community amenities including a community pool, tennis courts, and playground, providing recreation and fun for all ages just moments from home. Conveniently located in the growing community of Ruskin, you'll enjoy easy access to shopping, dining, schools, major highways, and the beautiful Gulf Coast beaches, making commuting and weekend adventures a breeze. If you've been searching for a spacious, move-in-ready home with premium upgrades, resort-style amenities, and room for everyone, this home is the one you've been waiting for. Schedule your private showing today and discover everything this exceptional home has to offer!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
Belmont Elementary SchoolGrades PK-50.7 mi
3/10
Eisenhower Middle SchoolGrades 6-82.0 mi
3/10
Jule F Sumner High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator,Water Softener
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: Second
  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Features: Built-in Closet
  • Level: Second
  • Area: 132
  • Dimensions: 11x12

Bedroom4

  • Features: Built-in Closet
  • Level: Second
  • Area: 132
  • Dimensions: 11x12

Bedroom5

  • Features: Built-in Closet
  • Level: Second
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Features: Built-in Closet
  • Level: First
  • Area: 121
  • Dimensions: 11x11

Den

  • Features: No Closet
  • Level: First
  • Area: 143
  • Dimensions: 11x13

Dining Room

  • Level: First
  • Area: 120
  • Dimensions: 10x12

Family Room

  • Level: First
  • Area: 304
  • Dimensions: 16x19

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Living Room/Dining Room Combo,Pest Guard System,PrimaryBedroom Upstairs,Solid Wood Cabinets,Split Bedroom,Stone Counters,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments,Hurricane Shutters
  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,024
  • Total interior livable area: 3,130 sqft

Kitchen

  • Level: First
  • Area: 130
  • Dimensions: 10x13

Loft

  • Level: Second
  • Area: 224
  • Dimensions: 14x16

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second
  • Area: 280
  • Dimensions: 14x20

Property

Details

  • Parcel number: U243119C1U00001900009.0
  • Zoning: PD
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Fiberglass,Heated,In Ground,Lighting,Pool Alarm,Salt Water,Screen Enclosure
  • Patio & porch: Enclosed,Patio,Screened
  • Exterior features: Irrigation System,Sidewalk
  • Fencing: Vinyl
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Water,Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Privileges
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 6,222 sqft
  • Features: Sidewalk

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Lightning
Tornado
Heat Wave
Wildfire
Tsunami

FEMA Declared Disasters in Hillsborough County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,502$30,024
Home Insurance *$381$4,572
Property Taxes $824$9,888
Electricity $314$3,779
Total$4,021$48,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,862/yr
40% on housing$120,630/yr
45% on housing$107,226/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 33573$143
Hillsborough County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 33573$168
Hillsborough County$231

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$494,900
2026-07-31Listed for sale$494,900
2022-03-09Sold$396,300
2021-04-06Sold$201,600
2020-05-26Sold$265,600

For Sale by Agent

AgentTim Lester
BrokerageTIM LESTER INTERNAT'L REALTY

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