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10039 Smarty Jones Dr, Ruskin, FL, 33573

5beds
4baths
4,328sqft
$644,900
$149price/sqft
$5,348/moest. monthly cost
$213,920/yrincome needed

About This Home

Check out this fabulous home featuring a spacious and functional floor plan with a POOL and peaceful WATER view. This 2 story home offers over 4,000 square feet with 5 bedrooms, 4 full bathrooms, a MEDIA room, and an oversized 3 car tandem garage. Major updates include a NEW ROOF in 2025, exterior paint in 2025, and a heated POOL in 2021, a 2-story screened lanai in 2022. As you enter, you are welcomed by a combined living and dining room with a modern fireplace. On the right is a flex room with a custom barn door that can be used as an office, man cave, etc. The kitchen is perfect for gatherings with granite countertops, an island, a food pantry, a custom vent hood, and stainless steel appliances. It opens to the large family room and a breakfast nook with a view of the pool and pond. The first floor also includes a bedroom and a full bathroom, which work well for guests or as a mother-in-law suite. Upstairs, you will find 4 additional bedrooms, 2 bathrooms, and a spacious primary suite that features a cozy fireplace, a sitting area, 2 walk-in closets, and access to a balcony. The primary bathroom includes double sinks, a garden tub, and a separate shower. The home theater room is ready for movie nights with comfortable custom seating, surround sound, a projection screen, and balcony access. Step outside to relax in your private heated pool and spa with waterfall features, custom tile, and a paver deck with plenty of covered seating where you can enjoy beautiful sunset views over the pond. Located in the popular Belmont community with amenities that include two pools, tennis courts, a basketball court, playground, clubhouse, walking trails, open green space, and a dog park. Check out the 3D tour to have a better feel of that fabulous property.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
Belmont Elementary SchoolGrades PK-60.4 mi
3/10
Jule F Sumner High SchoolGrades 7-121.0 mi
2/10
Eisenhower Middle SchoolGrades 2-3,5-122.3 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2013

Materials

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

Other

  • Builder model: Brandywine
  • Builder name: Lennar

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Range,Range Hood,Refrigerator,Washer
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: Built-in Closet
  • Level: First
  • Area: 196
  • Dimensions: 14x14

Features

  • Built-in Features,Ceiling Fan(s),Crown Molding,High Ceilings,Kitchen/Family Room Combo,Open Floorplan,Stone Counters,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Blinds,Hurricane Shutters
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Fireplace features: Electric,Living Room,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,556
  • Total interior livable area: 4,328 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Pantry
  • Level: First
  • Area: 234
  • Dimensions: 13x18

Living Room

  • Level: First
  • Area: 361
  • Dimensions: 19x19

Office

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

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second
  • Area: 744
  • Dimensions: 24x31

Property

Details

  • Parcel number: U19312099D00000900012.0
  • Zoning: PD
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Child Safety Fence,Gunite,Heated,In Ground
  • Patio & porch: Covered,Front Porch,Patio
  • Exterior features: Balcony,Irrigation System,Lighting,Rain Gutters,Sidewalk
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Has view: Yes
  • View description: Pool,Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Pond,Pond Access
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 7,631 sqft
  • Lot size dimensions: 65 x 117

Parking

  • Total spaces: 3
  • Parking features: Tandem
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $3,260$39,120
Home Insurance *$497$5,964
Property Taxes $1,156$13,872
Electricity $435$5,226
Total$5,348$64,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,360/yr
40% on housing$160,440/yr
45% on housing$142,613/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

$149This 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
2026-05-12Price change$699,888
2026-04-28Price change$739,000
2026-04-09Price change$769,000
2026-02-26Listed for sale$779,000
2024-07-01Sold$710,000
2024-05-14Pending sale$699,900
2024-05-01Listed for sale$699,900
2024-03-08Listing removed--
2024-02-01Listed for sale$699,900
2022-05-31Listing removed--
2022-05-03Pending sale$684,990
2022-04-26Price change$684,990
2022-04-15Pending sale$659,900
2022-04-01Listed for sale$659,900
2020-06-05Sold$378,000
2020-03-17Pending sale$410,000
2020-03-15Listed for sale$410,000
2013-06-05Sold$321,300
2013-05-07Price change$323,990
2013-04-10Price change$349,990
2013-03-28Price change$347,990
2013-03-22Listed for sale$342,990

For Sale by Agent

AgentSvetlana Shackleford, CENTURY 21 BEGGINS ENTERPRISES
BrokerageCENTURY 21 BEGGINS ENTERPRISES

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