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Overview

4 bd3 ba2,445 sqft2 car garageSingle Family
TypeSingle Family
HOA$282/mo
Built2016
Lot5,480 sqft
Living area2,445 sqft
Price / sqft$149
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Surface Counters

1521 Custer Bayou St is a 2016-built home in Bayridge, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,445 square feet of living space. Listed at $364,000 (about $149/sqft), 32 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $282 monthly.

From the listing

1521 Custer Bayou Street, Ruskin, FL 33570 | 4 Beds | 2.5 Baths | 2,445 Sq Ft | 3.00% ASSUMABLE LOAN | Gated Bayridge | Community Pool + Playground | Solar Panels | Screened Lanai | 2-Car Garage | No CDD A 3.00% assumable loan with approximately $164,000 remaining creates a standout opportunity at 1521 Custer Bayou Street Qualified buyers are welcome to pursue the assumption, subject to loan servicer approval. Life at 1521 Custer Bayou Street is built around having more time to enjoy home. Start the morning on the covered front porch, spend an afternoon at the Bayridge community pool, and end the day on the screened rear lanai while the HOA handles the lawn and grounds maintenance. Inside, 2,445 heated square feet creates room to spread out across two levels, with open gathering spaces downstairs and a second living area upstairs. The main level connects the kitchen, dining areas, and living room in an easy flow for everyday meals, game nights, or hosting friends. Upgraded luxury vinyl flooring installed in 2022 runs through the main living spaces, complemented by high ceilings and tray-ceiling details. The kitchen centers around a large island with stone counters, solid wood cabinetry, a closet pantry, and Samsung Bespoke refrigerator, range, microwave, and dishwasher installed in March 2023. The dining space includes a custom built-in dry bar with glass cabinets and a wine fridge. Sliding glass doors extend the living space to the screened rear porch and patio, keeping indoor and outdoor time connected. A flexible first-floor room near the powder bath adds useful space for changing needs. Upstairs, the separate loft creates another place to relax away from the main living room. The primary suite has a walk-in closet and an en suite bath with dual sinks, stone counters, and a walk-in shower. A dedicated upstairs laundry room keeps daily routines close to the bedrooms. The outdoor spaces give you multiple ways to enjoy Florida weather without leaving home. The attached 2-car garage adds parking and storage, while irrigation, rain gutters, and a private yard support day-to-day function. Important updates add value where it matters. Solar panels were installed in July 2023, with the seller to pay the remaining solar financing balance at closing. A built-in dry bar was added to the dining area. The water heater was replaced in February 2023, and a reverse-osmosis system and whole-home water softener were added in July 2025. The seller reports the HVAC system as approximately one year old. Samsung Bespoke kitchen appliances were installed in March 2023. Bayridge is a gated Ruskin community with a pool, playground, sidewalks, and private paved roads. The required $282/month HOA fee covers community pool care, grounds maintenance, manager services, private-road maintenance, and recreational facilities, giving you fewer exterior chores and more time to enjoy the neighborhood amenities. There is no CDD. ***** WHAT THE SELLER LOVES The lifestyle here is easy to settle into: coffee on the front porch, afternoons at the community pool, evenings on the screened lanai, and a fenced yard ready for time outside. Inside, the upgraded flooring, Samsung Bespoke kitchen appliances, custom dining dry bar, solar panels, and whole-home water treatment make the home feel thoughtfully updated, while HOA-included lawn care means weekends can stay focused on enjoying the home instead of maintaining the yard.

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The essentials

Built
2016
Price / sqft
$149
On market
32 days
Annual tax
$4,058
HOA
$282/mo
Flood zone
X500 · Low risk
Lot
5,480 sqft
Type
Single Family Residence

At a glance

Single family
Built 2016
Community pool
Shared amenity
2 car garage
Driveway
5,480 sqft lot
Lot size
2,445 sqft
Living area

Payment

Est. monthly payment
$2,700/mo
Down payment (20%)
$72,800
Property taxes
$338/mo
HOA
$282/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2016
Lot
5,480 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Ground Level, Off Street
Days on Market
32
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Yard
Rain Gutters
Sidewalk
Community Mailbox
Deed Restrictions
Gated Community - No Guard
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Water Softener
Wine Refrigerator
Elementary
Cypress Creek-HB
Middle
Shields-HB
High
Lennard-HB

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

Homestead exemption on file Flood Zone X500
Annual Tax (2025)
$4,058
Parcel #
U-04-32-19-9YH-000000-00027.0

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
Bayridge
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
5,480 sqft
In CountyLandscapedLevelSidewalkPaved
HOA
$282/mo
LeLand Management / Karl Bogulob

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #TB8548307
$364,000-0.3%
$149/sqft
9/11/2026
Listed for sale
Source: Stellar MLS #TB8548307
$365,000+59.1%
$149/sqft
6/27/2016
Sold
Source: Hillsborough County Public Record
$229,400
$94/sqft

Neighborhood

1521 Custer Bayou St
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Market insights

Offer Insights

Choose an offer strength

List price: $364,000
$362,500 – $364,000
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 32 after a $1,000 cut.

Sample: 211 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
$2,701/mo
Principal & interest$1,898
Property taxes$338
Insurance$182
HOA$282
Down payment20% · $72,800
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

$364,000

$149 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,445 sq ft

Time on market

32 days

Year built

2016

Monthly payment

About $2,700/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,058 annual tax bill, insurance, and the $282/mo HOA fee.

HOA fee

$282/mo

Managed by LeLand Management / Karl Bogulob.

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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Brokered by27NORTH REALTYListing agent: Shawna CalvertListing data from Stellar MLS, MLS# TB8548307.

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