1038 Kelly Fern Loop, photo 1
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Overview

4 bd3 ba2,289 sqft2 car garageSingle Family
TypeSingle Family
HOA$50/mo
Built2022
Lot9,111 sqft
Living area2,289 sqft
Price / sqft$162
Garage2 car

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

About this home

High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersSolid Wood CabinetsStone CountersThermostat

1038 Kelly Fern Loop is a 2022-built home in South Haven, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,289 square feet of living space. Listed at $369,999 (about $162/sqft), 447 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $50 monthly.

From the listing

Fresh, Stylish, and Move-In Ready in South Haven! Welcome to this beautifully built 2022 home that blends modern style with everyday comfort. The open-concept layout centers around a spacious kitchen featuring sleek 36" raised-panel cabinets, a walk-in pantry, and easy-care ceramic tile that flows throughout the main living areas—including the foyer, flex room, kitchen, family room, laundry, and bathrooms. Need peace of mind? Hurricane shutters are already in place. The generously sized primary suite is bathed in natural light and includes its own walk-in closet for added convenience. Upstairs, a flexible loft and bonus room give you plenty of options—whether you’re setting up a home office, gym, or playroom. Practical touches like under-stair storage, a guest bath with a separate vanity area, and roomy bedrooms (including one with a walk-in closet) make everyday living easy. Even better? The washer and dryer stay with the home. Step outside into your private fenced backyard—a great spot for cookouts, relaxing with friends, or letting pets roam freely. With an irrigation system already installed, keeping the landscaping lush is a breeze. South Haven offers great amenities like a tot lot and dog park, and it’s just minutes from E.G. Simmons Park and Little Harbor—perfect for fishing, boating, camping, or simply soaking in the Florida sunshine. Plus, you're just under 2 miles from the Amazon Fulfillment Center and within 15 minutes of all your daily essentials. Cal today to schedule your showing of this recently built gem before it's gone. Owner Financing Available.

The essentials

Built
2022
Price / sqft
$162
On market
447 days
Annual tax
$6,577
HOA
$50/mo
Flood zone
X · Low risk
Lot
9,111 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
2 car garage
9,111 sqft lot
Lot size
2,289 sqft
Living area

Payment

Est. monthly payment
$2,713/mo
Down payment (20%)
$74,000
Property taxes
$548/mo
HOA
$50/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
9,111 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
447
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Lighting
Sidewalk
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
Cypress Creek-HB
Middle
Shields-HB
High
Lennard-HB

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

Flood Zone X
Annual Tax (2024)
$6,577
Parcel #
U-04-32-19-C51-000000-00047.0

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
South Haven
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
9,111 sqft
HOA
$50/mo
Lisa Coleman

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #TB8395971
$369,999-5.1%
$162/sqft
-
Price change
Source: Stellar MLS #TB8395971
$389,900-2.5%
$170/sqft
7/22/2025
Listed for sale
Source: Stellar MLS #TB8395971
$399,900+1.2%
$175/sqft
11/4/2022
Sold
Source: Hillsborough County Public Record
$395,000
$173/sqft

Neighborhood

1038 Kelly Fern Loop
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Market insights

Offer Insights

Choose an offer strength

List price: $369,999
$367,500 – $369,999
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 447 after a $29,901 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
$2,713/mo
Principal & interest$1,930
Property taxes$548
Insurance$185
HOA$50
Down payment20% · $74,000
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

$369,999

$162 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,289 sq ft

Time on market

447 days

Year built

2022

Monthly payment

About $2,713/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,577 annual tax bill, insurance, and the $50/mo HOA fee.

HOA fee

$50/mo

Managed by Lisa Coleman.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byDALTON WADE INCListing agent: Cuc DinhListing data from Stellar MLS, MLS# TB8395971.

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