133 NW 18TH STREET, RUSKIN, FL, 33570
Active128 days on marketListed Mar 31, 2026MLS #TB8492411
About this home
133 NW 18TH STREET
Virtually Staged. Rare double-lot waterfront retreat offering approximately 124 feet of direct saltwater canal frontage with no fixed bridges to Tampa Bay, providing effortless access for boating, fishing, and waterfront adventures. Beautifully renovated, this 3-bedroom, 2-bath coastal home blends modern comfort with exceptional boating amenities, including private boat lifts, a covered dock with electric and water, a fish-prep station, and a concrete seawall. The private backyard is a true tropical oasis, enhanced by multiple mature mango trees that create a serene, shaded setting for relaxing, entertaining, or enjoying wide canal views. Whether you’re heading out for a day on the water or unwinding at sunset, this property is designed to elevate everyday coastal living. A rare opportunity to own a move-in-ready waterfront home offering premium boating convenience, modern updates, and the refined Florida lifestyle that makes this area so desirable.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,416
Sqft
0.27 ac
Lot size
1956
Year built
One
Levels
$332
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,690 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,690/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+49.1%
$/sqft vs Ruskin actives
$332 vs $178
Days on market
128 vs 53 typical
Where $332/sqft sits among the 274 Ruskin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ruskin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
The numbers that matter
The Ruskin market
$315K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
150 of 274
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 133 NW 18TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$405,000
812 WHITE HERON BOULEVARD
3 bd · 2 ba · 1,398 sqft · $290/sqft · 125 DOM
Sold · Jul ’26$248,000
304 4TH AVENUE NW
3 bd · 2 ba · 1,435 sqft · $173/sqft · 3 DOM
Sold · Jul ’26$575,000
103 6TH STREET NW
3 bd · 2 ba · 1,380 sqft · $417/sqft · 27 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 133 NW 18TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 133 NW 18TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
133 NW 18TH STREET FAQs
What would the monthly payment be for 133 NW 18TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,690/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 133 NW 18TH STREET?+
The most recent tax bill on record (2025) was $6,668. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 133 NW 18TH STREET?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $469,900, this home is listed about 34% above the Ruskin median of $349,700. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$469,900 runs 34% above the Ruskin median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
128 days on market against a Ruskin median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $495,000, now $469,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL PROPERTY MANAGEMENT SUNSHINE CITY · Ryan Strong. MLS #TB8492411.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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