MLS #TB8484931, photo 1
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Overview

4 bd4 ba3,918 sqft3 car garageSingle Family
TypeSingle Family
HOA$189/qtr
Built2014
Lot12,244 sqft
Living area3,918 sqft
Price / sqft$246
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 MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen Floorplan

MLS #TB8484931 is a 2014-built home in Spyglass At River Bend, Ruskin. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,918 square feet of living space. Listed at $965,000 (about $246/sqft), 213 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $189 quarterly.

From the listing

Experience the pinnacle of waterfront-adjacent luxury at 2504 Cumberland Cliff Drive, a masterfully curated estate situated in the prestigious gated enclave of River Bend in Ruskin, FL. This residence offers an unrivaled lifestyle, combining sophisticated interior design with a private outdoor resort, all just steps from the serene Little Manatee River and the community’s private dock and canoe launch. Every inch of this nearly 3,900-square-foot sanctuary has been reimagined for the modern connoisseur. The home features a complete absence of carpet, replaced by the seamless installation of luxury vinyl plank, upgraded tile, and professional high-gloss epoxy finishes. The architectural integrity is elevated by bespoke crown molding and custom-cased windowsills throughout, complemented by upgraded oversized baseboards and designer lighting that casts a warm glow across the open-concept living spaces. The gourmet chef’s kitchen serves as the heart of the home, featuring premium stone surfaces, high-end stainless appliances, and a social layout that flows effortlessly into the grand family room. For the collector, a stunning custom-built, LED-backlit wine wall provides a sophisticated focal point for entertaining. Nearby, a sleek electric fireplace creates a chic atmosphere for evening relaxation. Retreat to the primary suite to discover a boutique-style luxury walk-in closet. Custom-built to showcase your finest collections, it features high-end millwork, a center organization island, and designer pendant lighting. The spa-like en-suite bath offers a garden soaking tub and a seamless glass walk-in shower. The transition to outdoor living is spectacular. Beyond the sliding glass doors lies a brand-new 2024 heated saltwater pool and integrated spa, encased in an expansive screened enclosure. The L-shaped covered lanai is ready for ultimate entertaining, featuring a built-in summer kitchen and grill area along with vast extended paver decking. As the sun sets, professional exterior landscape lighting transforms the property into a glowing oasis. Key structural upgrades include a new roof installed in 2023 for total peace of mind and a spacious 3-car garage with professional epoxy flooring. Living in the gated River Bend community grants exclusive access to a state-of-the-art fitness center, professional tennis and basketball courts, a playground, and an Olympic-size resort pool with a splash pad. Residents also enjoy a private community dock and boardwalk providing direct access to the Little Manatee River. This is more than a home; it is a turnkey masterpiece designed for those who demand the absolute best in Florida luxury living. Whether you are looking for a modern sanctuary or an entertainer’s dream, this Ruskin jewel is ready for its next owner.

The essentials

Built
2014
Price / sqft
$246
On market
213 days
Annual tax
$5,056
HOA
$189/qtr
Flood zone
X · Low risk
Lot
12,244 sqft
Type
Single Family Residence

At a glance

Single family
Built 2014
Private pool
Heated
3 car garage
0.28 acres
Lot size
3,918 sqft
Living area

Payment

Est. monthly payment
$6,000/mo
Down payment (20%)
$193,000
Property taxes
$421/mo
HOA
$189/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2014
Lot
12,244 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Heated, In Ground, Lighting, Pool Alarm, Screen Enclosure
Days on Market
213
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Hurricane Shutters
Lighting
Outdoor Grill
Outdoor Kitchen
Private Mailbox
Rain Gutters
Sliding Doors
Street Lights
Convection Oven
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$5,056
Parcel #
U-20-32-19-87K-000013-00032.0

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
Spyglass At River Bend
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
12,244 sqft
HOA
$189/qtr
SEE ATTACHED HOA ADDENDUM

Price history

Date
Event
Price
3/18/2026
Listed for sale
Source: Stellar MLS #TB8484931
$965,000
$246/sqft

Neighborhood

Map unavailable for this listing.

Market insights

Offer Insights

Choose an offer strength

List price: $965,000
$960,000 – $965,000
99.5% – 100% of listTops out right at the list price
80% of listList price
126 of the last 214 home closings in 33570 landed at this number or higher (59%). The median one sat 43 days before it went under contract, and this one is on day 213.

Sample: 214 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$6,000/mo
Principal & interest$5,033
Property taxes$421
Insurance$483
HOA$63
Down payment20% · $193,000
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

$965,000

$246 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,918 sq ft

Time on market

213 days

Year built

2014

Monthly payment

About $6,000/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,056 annual tax bill, insurance, and the $189/qtr HOA fee.

HOA fee

$189/qtr

Managed by SEE ATTACHED HOA ADDENDUM.

Flood zone

Zone X

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

Offer

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Brokered byCOMPASS FLORIDA LLCListing agent: De'Erika WatsonListing data from Stellar MLS, MLS# TB8484931.

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