10039 Smarty Jones Dr, photo 1
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Overview

5 bd4 ba4,328 sqft3 car garageSingle Family
TypeSingle Family
HOA$158/yr
Built2013
Lot7,631 sqft
Living area4,328 sqft
Price / sqft$149
Garage3 car

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

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingHigh CeilingsKitchen/Family Room ComboOpen FloorplanStone CountersWalk-in Closet(s)

10039 Smarty Jones Dr is a 2013-built home in Belmont, Ruskin. Inside you'll find 5 bedrooms, 4 bathrooms, and 4,328 square feet of living space. Listed at $643,900 (about $149/sqft), 227 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $158 annually.

From the listing

Short Sale. Motivated Seller! 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, a heated POOL in 2021, and 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, or whatever best fits your lifestyle. 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 breakfast nook overlooking the pool and pond. The first floor also includes a bedroom and full bathroom, perfect for guests or as a mother-in-law suite. Upstairs, you will find 4 additional bedrooms, 2 bathrooms, and a spacious primary suite featuring a cozy fireplace, 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 and relax in your private heated pool and spa with waterfall features, custom tile, and a paver deck with plenty of covered seating while enjoying 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 get a better feel for this fabulous property. Utilities are currently off. Buyer will be responsible for turning on utilities for inspections if needed.

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The essentials

Built
2013
Price / sqft
$149
On market
227 days
Annual tax
$13,428
HOA
$158/yr
Flood zone
X · Low risk
Lot
7,631 sqft
Type
Single Family Residence

At a glance

Single family
Built 2013
Waterfront
Pond
Private pool
Heated
3 car garage
Tandem
7,631 sqft lot
Lot size

Payment

Est. monthly payment
$4,812/mo
Down payment (20%)
$128,780
Property taxes
$1,119/mo
HOA
$158/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2013
Lot
7,631 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Tandem
Pool
Child Safety Fence, Gunite, Heated, In Ground
Waterfront
Pond
Days on Market
227
Built-in Features
Ceiling Fans(s)
Crown Molding
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Stone Counters
Walk-in Closet(s)
Balcony
Hurricane Shutters
Lighting
Rain Gutters
Sidewalk
Sliding Doors
Deed Restrictions
Dog Park
Dishwasher
Dryer
Electric Water Heater
Range
Range Hood
Washer
Elementary
Belmont Elementary School
Middle
Eisenhower-HB
High
Sumner High School

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$13,428
Parcel #
U-19-31-20-99D-000009-00012.0

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
Belmont
County
Hillsborough
MLS Area
33573 - Sun City Center / Ruskin
Lot Size
7,631 sqft
HOA
$158/yr
Tina Farrell

Price history

Date
Event
Price
8/21/2026
Price change
Source: Stellar MLS #TB8480417
$643,900-0.2%
$149/sqft
-
Price change
Source: Stellar MLS #TB8480417
$644,900-19.3%
$149/sqft
2/25/2026
Listed for sale
Source: Stellar MLS #TB8480417
$799,000+12.5%
$185/sqft
6/26/2024
Sold
Source: Hillsborough County Public Record
$710,000
$164/sqft

Neighborhood

10039 Smarty Jones Dr
Ruskin, FL, 33573 · 33573 - Sun City Center / Ruskin

Market insights

Offer Insights

Choose an offer strength

List price: $643,900
$640,000 – $643,900
99.2% – 100% of listTops out right at the list price
80% of listList price
116 of the last 231 home closings in 33573 landed at this number or higher (50%). The median one sat 44 days before it went under contract, and this one is on day 227 after a $155,100 cut.

Sample: 231 closed home sales in 33573 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,812/mo
Principal & interest$3,358
Property taxes$1,119
Insurance$322
HOA$13
Down payment20% · $128,780
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 is the fee 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

$643,900

$149 per sq ft

Beds and baths

5 beds, 4 baths

Size

4,328 sq ft

Time on market

227 days

Year built

2013

Monthly payment

About $4,812/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $13,428 annual tax bill, insurance, and the $158/yr HOA fee.

HOA fee

$158/yr

Managed by Tina Farrell.

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 byCENTURY 21 BEGGINS ENTERPRISESListing agent: Svetlana ShacklefordListing data from Stellar MLS, MLS# TB8480417.

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