408 19th St NW, photo 1
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Overview

5 bd3 ba3,232 sqft3 car garageSingle Family
TypeSingle Family
HOA$294/qtr
Built2013
Lot4,950 sqft
Living area3,232 sqft
Price / sqft$166
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsIN Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPest Guard System

408 19th St NW is a 2013-built home in Mira Lago West Ph 3, Ruskin. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,232 square feet of living space. Listed at $535,000 (about $166/sqft), 92 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $294 quarterly.

From the listing

Welcome to Sunset Haven. Tucked inside the gated Mira Lago community in Ruskin, this 2013-built 5-bedroom, 3-bath home delivers 3,232 square feet of easy Florida living at just $170 per square foot — a rare combination of space, quality, and value. Step through the front door and the volume ceilings and open layout immediately open the space up. Formal living and dining flow naturally into a gourmet kitchen with rich 42" espresso cabinets, granite counters, stainless appliances, a breakfast bar, and a built-in desk nook that actually works for everyday life. The split-bedroom plan is perfectly laid out for large families, giving everyone room to spread out while still keeping the household connected and private. The primary suite is the real retreat: a sitting area, dual walk-in closets, a garden soaking tub, a walk-in tiled shower, and dual granite vanities. It’s the kind of room you don’t mind disappearing into at the end of the day. Already paid for and working hard for you: • 40 solar panels that have dramatically cut the electric bills • Culligan whole-home water purification • Hybrid water heater • Zoned high-efficiency AC • Hurricane protection • In-wall pest control Out back, a fully fenced yard (dogs will love it), four 4×16 raised garden beds ready for planting, and a gate that opens straight to lake fishing. The real showstopper? Watching the fountain light up against the sunset from your own backyard. Mira Lago itself is the kind of neighborhood that feels like a small resort — gated entry, resort-style pool, playground, and a genuine sense of community. You’ll find a strong military presence here, with many active-duty and retired families from MacDill AFB (about 45 minutes) calling it home. Downtown Tampa is roughly 35 minutes away, and some of the best Gulf beaches in the country — Fort DeSoto, St. Pete Beach, Clearwater — are an easy drive. Solar and Culligan systems are fully paid off. No loans to assume. All information believed accurate; buyers are encouraged to verify independently.

The essentials

Built
2013
Price / sqft
$166
On market
92 days
Annual tax
$5,781
HOA
$294/qtr
Flood zone
X500* · Low risk
Lot
4,950 sqft
Type
Single Family Residence

At a glance

Single family
Built 2013
Waterfront
Lake Front
Community pool
Shared amenity
3 car garage
Covered
4,950 sqft lot
Lot size

Payment

Est. monthly payment
$3,637/mo
Down payment (20%)
$107,000
Property taxes
$482/mo
HOA
$294/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2013
Lot
4,950 sqft
Cooling
Central Air
Heating
Electric, Heat Pump, Solar
Parking
Covered, Driveway, Ground Level, Off Street, Workshop in Garage
Waterfront
Lake Front, Pond
Days on Market
92
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Pest Guard System
Primarybedroom Upstairs
Stone Counters
Walk-in Closet(s)
Dog Run
Garden
Hurricane Shutters
Private Mailbox
Sidewalk
Sprinkler Metered
Gated Community - No Guard
Playground
Pool
Street Lights
Convection Oven
Dishwasher
Disposal
Electric Water Heater
Ice Maker
Microwave
Range
Refrigerator
Water Softener
Whole House R.o. System
Elementary
Thompson Elementary
Middle
Shields-HB
High
Lennard-HB

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone X500*
Annual Tax (2025)
$5,781
Parcel #
U-01-32-18-90V-000000-00461.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Mira Lago West Ph 3
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
4,950 sqft
ClearedLandscapedNear MarinaSidewalkPaved
HOA
$294/qtr
sean noonan

Price history

Date
Event
Price
8/15/2026
Price change
Source: Stellar MLS #A4699930
$535,000-2.7%
$166/sqft
7/12/2026
Listed for sale
Source: Stellar MLS #A4699930
$550,000
$170/sqft

Neighborhood

408 19th St NW
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Market insights

Offer Insights

Choose an offer strength

List price: $535,000
$530,000 – $535,000
99.5% – 100% of listTops out right at the list price
80% of listList price
123 of the last 211 home closings in 33570 landed at this number or higher (58%). The median one sat 43 days before it went under contract, and this one is on day 92 after a $15,000 cut.

Sample: 211 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,637/mo
Principal & interest$2,790
Property taxes$482
Insurance$268
HOA$98
Down payment20% · $107,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$535,000

$166 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,232 sq ft

Time on market

92 days

Year built

2013

Monthly payment

About $3,637/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,781 annual tax bill, insurance, and the $294/qtr HOA fee.

HOA fee

$294/qtr

Managed by sean noonan.

Flood zone

Zone X500*

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byKEYS REALTY REDEFINED LLCListing agent: Randal LongoListing data from Stellar MLS, MLS# A4699930.

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