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432 York Dale Dr, Ruskin, FL, 33570

$133/sqft·Mira Lago West Ph 2b

4 bd3 ba3,038 sqft3 car garageSingle Family
Listed by PROPERTY LOGIC RE· Last updated · MLS# O6409700

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Est. monthly payment
$3,092/mo
Down payment (20%)
$80,980
Property taxes
$679/mo
HOA
$294/qtr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2006
3 car garage
6,050 sqft lot
Lot size
3,038 sqft
Living area

About this home

ThermostatSidewalkMicrowaveRange

432 York Dale Dr is a 2006-built home in Mira Lago West Ph 2b, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,038 square feet of living space. Listed at $404,900 (about $133/sqft), 78 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $294 quarterly.

From the listing

Located in the gated Mira Lago West section of Ruskin, this 4 bedroom, 3 full bath home offers 3,038 sqft, a 3 car garage, and a seller credit of up to $17,208 toward buyer closing costs, prepaid expenses, and/or an interest rate buydown when using Seller’s preferred lender. The flexible floor plan includes an upstairs loft and a split-bedroom layout, with the primary suite privately positioned at the rear of the home and three secondary bedrooms on the opposite side.The kitchen has granite counters, wood cabinets, an island, breakfast bar, and pantry, opening to the family room and covered patio. A separate living and dining area, breakfast nook, and inside laundry room add more usable space on the first floor. The primary suite includes two walk-in closets, dual sinks, a garden tub, and a separate tiled shower. Tile and LVP flooring run throughout with no carpet. 2026 updates include two new A/C systems, fresh interior paint, new LED lighting, new bathroom fixtures and faucets, new smoke detectors, refreshed landscaping with irrigation, with roof replacement and exterior paint planned pending HOA approval. Out back, the covered patio and vinyl fenced yard offer private outdoor space, with I-75, E.G. Simmons Park, Little Harbor, shopping, dining, and Gulf Coast recreation nearby. Incentive is subject to lender approval, loan program restrictions, and terms outlined in the executed contract.

The essentials

Built
2006
Price / sqft
$133
On market
88 days
Annual tax
$8,151
HOA
$294/qtr
Flood zone
X500 · Low risk
Lot
6,050 sqft
Type
Single Family Residence

Location

432 York Dale Dr
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2006
Lot
6,050 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
88
Thermostat
Sidewalk
Microwave
Range

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

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

In a CDD (Community Development District)Flood Zone X500

Annual Tax (2025)

$8,151

Parcel #

U-01-32-18-83J-000000-00455.0

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

Mira Lago West Ph 2b

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

6,050 sqft

HOA
$294/qtr
Mira Lago West /Excelsior Community Management LLC
Date
Event
Price
8/7/2026
Price change
Source: Stellar MLS #O6409700
$404,900-2.4%
$133/sqft
6/15/2026
Listed for sale
Source: Stellar MLS #O6409700
$414,900+107.5%
$137/sqft
8/12/2013
Sold
Source: Hillsborough County Public Record
$200,000
$66/sqft
Est. monthly payment$3,091/mo
Principal & interest$2,112
Property taxes$679
Insurance$202
HOA$98
Down payment20% · $80,980
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 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.

Offer Insights

Choose an offer strength

List price: $404,900
$402,500 – $404,900
99.5% – 100% of listTops out right at the list price
80% of listList price
94 of the last 167 home closings in 33570 landed at this number or higher (56%). The median one sat 40 days before it went under contract, and this one is on day 88 after a $10,000 cut.

Sample: 167 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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