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About this home
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.
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
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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.
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