103 W NORTH BRANCH ROAD, Ruskin, FL, 33570 | $395,000

Imagine waking up to the lapping of saltwater against your very own nearly 140 feet of seawall! This isn't just a house; it's a gateway to your Florida dream, a place where the adventures begin right in your backyard. Picture this: your boat, nestled snugly in its 10, 000-pound electric lift, waiting under a brand-new boathouse roof, ready for a day on the water. Not just any waterfront, it's a double lot, a canvas for your imagination or space for your tools and toys. A massive 18x21 shed with a loft is waiting, ready to hold everything from fishing rods to woodworking projects. Inside the home, we have two cozy bedrooms, two bathrooms, and a wide-open space that invites laughter and gatherings. The Florida room? It's where sunshine spills in, turning every morning into a celebration with direct water views. Here, you're the captain of your own ship: park your RV, launch your kayaks, and let the good times roll. Ten minutes direct access to Cockroach Bay, a fisherman's paradise. Or, if you prefer, explore the winding Little Manatee River or check out the nearby preserve's & beaches. Every good story has its challenges. This home weathered the 2024 hurricane season and, like a true Floridian, bounced back stronger. Most of the inside has been lovingly renovated and the recent appraisal says this gem, even as-is, shines at $490K. With impact windows and newer AC, the bones are solid. Just add your personal touch, a dash of your own style, and you'll have the perfect ending to this charming Florida tale. The current owners are excited to negotiate seller's concessions to provide a buyer closing cost assistance in order to move into this beautiful property! This isn't just a home; it's the start of the next great adventure so schedule your showing today!

Features

  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Common Area, Electric Dryer Hookup, Laundry Room
  • Year Built: 1969
  • Garage: Boat, Converted Garage, Covered, Ground Level, Off Street
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,637
  • Acreage: 0.26
  • Est. Taxes: $4,347
  • Lot Desc: Irregular Lot, Near Marina
  • Appliances: Refrigerator
  • MLS#: TB8359638
  • Days on Market: 37 days
  • Website: https://www.raveis.com
    /prop/TB8359638/103wnorthbranchroad_ruskin_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/3/2025 12:29:31 AM)
Listing courtesy of MARK SPAIN REAL ESTATE   Phone: 855-299-7653

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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103 W NORTH BRANCH ROAD, Ruskin, FL, 33570

$395,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $316,000 $316,000 $316,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.995% 7.050% 6.112%
Monthly Tax Payment $362 $362 $362
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,971 $2,076 $2,645
Total Monthly Payment $2,408 $2,513 $3,082

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.