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2578 White Ladyfish Rd, Wimauma, FL, 33598

$173/sqft·Cypress Ridge Ranch

3 bd2 ba2,021 sqft2 car garageSingle Family
Listed by MALTBIE REALTY GROUP· Last updated · MLS# W7886869

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$2,465/mo
Down payment (20%)
$69,998
Property taxes
$0/mo
HOA
$150/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Driveway
5,663 sqft lot
Lot size
2,021 sqft
Living area

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
CYPRESS RIDGE RANCH
Type
Single Family Residence

True monthly carry

HOA
~$13/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Eat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorStone CountersThermostatWalk-in Closet(s)Hurricane Shutters

2578 White Ladyfish Rd is a 2026-built home in Cypress Ridge Ranch, Wimauma. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,021 square feet of living space. Listed at $349,990 (about $173/sqft), 61 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $150 annually.

From the listing

Quick Move-in! The Panama floorplan offering style, comfort, and exceptional value! Beautifully designed 3-bedroom + private office, 2-bath home features 2,021 sq ft of thoughtfully designed living space with a stunning stone front elevation. Enjoy soaring 9’4” ceilings, luxury vinyl flooring throughout, and soft-close cabinetry in every space for a modern, elevated feel. The open-concept layout offers the perfect balance of comfort and functionality, while the private office provides flexible space for work, hobbies, or guests. Relax and enjoy added privacy with no rear neighbors. A fantastic opportunity for buyers seeking value, style, and privacy! Welcome to Cypress Ridge Ranch in Wimauma, Florida! Discover your dream home in a serene, amenity-rich community. Whether you're downsizing, looking for more space for your growing family, or a first-time buyer, we have the perfect home for you. There’s so much to do – in and around the community, like dipping your toes in our resort-style pool and cooling off in the cabanas, running around with the family in the fenced-in sports field, or having a friendly competition with your neighbors on one of our two private, pickleball courts. Wimauma offers a surprising array of activities for visitors to enjoy. All Ryan Homes now include WIFI-enabled garage opener and Ecobee thermostat. **Closing cost assistance is available with use of Builder’s affiliated lender**. DISCLAIMER: Prices, financing, promotion, and offers subject to change without notice. Offer valid on new sales only. See Community Sales and Marketing Representative for details. Promotions cannot be combined with any other offer. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos. Schools: Elem: Wimauma Elementary School; Middle: Shields Middle School; HS: Morgan High School.

The essentials

Built
2026
Price / sqft
$173
On market
83 days
Annual tax
$0
HOA
$150/yr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

Location

2578 White Ladyfish Rd
Wimauma, FL, 33598·33598 - Wimauma
Type
Single Family Residence
Year Built
2026
Lot
5,663 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
83
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Hurricane Shutters
Sliding Doors
Pool
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
In a CDD (Community Development District)Flood Zone X

Annual Tax (2026)

$0

Parcel #

U-21-32-20-D6F-000029-00008.0

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

Cypress Ridge Ranch

County

Hillsborough

MLS Area

33598 - Wimauma

Lot Size

5,663 sqft

SidewalkPaved
HOA
$150/yr
RYAN HOMES
Date
Event
Price
8/20/2026
Price change
Source: Stellar MLS #W7886869
$349,990-2.8%
$173/sqft
Price change
Source: Stellar MLS #W7886869
$359,990-1.1%
$178/sqft
6/20/2026
Listed for sale
Source: Stellar MLS #W7886869
$363,990
$180/sqft
Est. monthly payment$2,465/mo
Principal & interest$1,825
Property taxes$452
Insurance$175
HOA$13
Down payment20% · $69,998
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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: $349,990
$347,500 – $349,990
99.5% – 100% of listTops out right at the list price
80% of listList price
144 of the last 218 home closings in 33598 landed at this number or higher (66%). The median one sat 55 days before it went under contract, and this one is on day 83 after a $14,000 cut.

Sample: 218 closed home sales in 33598 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

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