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609 1st Ave NW, Ruskin, FL, 33570

3beds
2baths
1,450sqft
$360,000
$248price/sqft
$2,440/moest. monthly cost
$97,600/yrincome needed

About This Home

This home needs work, but it has many good features to build on. Lot Size is 1/3 acre, most of which is the large back yard. Plenty of room to add a pool and store your boat & any other big toys. This is not in an HOA. Across the street you have a wide, unobstructed view of the Little Manatee River. Original floorplan of the house includes a large room across the entire front of the house along with big windows to enjoy the view of the river. It makes a great family room, but could also be a formal dining room or "an office with a view". Towards the back of the house, there is also one more extra room which could be the office, or a guest bedroom with no closet. It features one wall with a large built-in aquarium that looks through into the dining area. The front door opens out into a small screened front porch, perfect for enjoying your morning coffee, while watching the river come to life; tide flowing in or out, boats passing by, all the wildlife you see around the saltwater; different birds, cranes & herons, the occasional manatees, mullet jumping...Home also has a single garage with room for a small workshop and a double carport. House is under Foreclosure, so bring your offer !

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

2/10
Thompson ElementaryGrades PK-52.2 mi
2/10
Shields Middle SchoolGrades 6-84.7 mi
3/10
Lennard High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: In Garage

Bedroom1

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Living Room/Dining Room Combo
  • Flooring: Ceramic Tile

Florida Room

  • Level: First

Heating & Cooling

  • Heating features: None
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,930
  • Total interior livable area: 1,450 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: U0732191V500000000296.0
  • Zoning: RSC-6
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Enclosed,Front Porch,Screened
  • Exterior features: Fire Pit
  • Has view: Yes
  • View description: Water,River
  • Has water view: Yes
  • Water view: Water,River

Lot

  • Lot size: 0.36 Acres
  • Features: Cleared,Flood Insurance Required,In County,Level
  • Lot size dimensions: 72 x 220

Parking

  • Total spaces: 3
  • Parking features: Covered,Ground Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 2

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Lightning
Tornado
Hurricane
Heat Wave
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 $1,820$21,840
Home Insurance *$171$2,052
Property Taxes $252$3,024
Electricity $197$2,366
Total$2,440$29,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,657/yr
40% on housing$73,200/yr
45% on housing$65,066/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

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 33570$146
Hillsborough County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 33570$189
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)

Price History

DateEventPrice
2026-03-29Listed for sale$360,000

For Sale by Agent

AgentMargaret Witte
BrokerageEZ CHOICE REALTY

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