
1130 SWEENEY DRIVE, RUSKIN, FL, 33570
Active104 days on marketListed Apr 20, 2026MLS #TB8497087
About this home
1130 SWEENEY DRIVE
Welcome to your private slice of Old Florida waterfront living. Set on a spacious 0.22-acre corner lot with no HOA or CDD fees, this 3-bedroom, 3-bathroom home offers 1,471 square feet along a quiet canal with direct access to the Little Manatee River and onward to the bay. Ideal for a small boat or pontoon, it blends waterfront access, privacy, and natural beauty in a setting that feels far removed from typical subdivision living. Inside, light-filled living spaces and easy-care flooring create a relaxed, comfortable feel throughout. The flexible layout adapts easily to everyday living, remote work, or hosting guests. Two primary suites provide exceptional versatility and privacy, including a full en-suite bath in one and a well-appointed shared bath with a soaking tub in the secondary wing. Built-in shelving adds charm and practical storage, enhancing the home’s warm, functional character. Recent upgrades provide peace of mind including a metal reroof (2024), HVAC system (2023), new well (2023), and new siding and gutters (2020). Additional improvements include updated flooring, remodeled bathrooms, new back doors, soffits and fascia, a reverse osmosis system (2021), and a newer dishwasher. Two refrigerators are included for added convenience. Thoughtfully positioned toward the rear of the home, a versatile bonus area with its own private entrance expands the possibilities even further. Complete with the third full bathroom, a walk-in closet, and a spacious laundry room with an additional refrigerator and ample storage, this space works beautifully as an in-law suite, private office, or playroom. Step outside and enjoy true Florida outdoor living. The backyard offers tranquil canal views with a firepit seating area perfect for cooler evenings, while the covered and screened lanai with dual ceiling fans creates a comfortable space year-round. A deck sits beside the RV carport, which includes water, septic hookup, and 30-amp power supply for added flexibility. The fully fenced vinyl yard delivers both privacy and usability, complete with three storage sheds. One standout structure is a detached, fully powered and air-conditioned shed ideal as a workshop, man cave, or private office, alongside an additional storage area for tools and equipment. With a 2-car carport, generous outdoor space, and direct water access, this property works equally well as a primary residence, vacation retreat, or investment opportunity. A rare combination of flexibility, upgrades, and peaceful waterfront living, this is one you won’t want to miss.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,471
Sqft
0.22 ac
Lot size
1967
Year built
One
Levels
$248
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.
$2,974 /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
$2,974/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
−28.7%
$/sqft vs UNPLATTED
$248 vs $305
Days on market
104 vs 51 typical
Where $248/sqft sits among the 178 homes for sale in UNPLATTED
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
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
74 of 178
UNPLATTED have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1130 SWEENEY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$415,000
7045 STAFFORD ROAD · same community
3 bd · 2 ba · 1,536 sqft · $270/sqft · 106 DOM
Sold · Dec ’25$125,000
11640 COUNTY RD 579 HIGHWAY · same community
3 bd · 2 ba · 1,352 sqft · $92/sqft · 1 DOM
Sold · Mar ’26$175,000
4409 SMITH RYALS ROAD · same community
3 bd · 2 ba · 1,344 sqft · $130/sqft · 2 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1130 SWEENEY DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1130 SWEENEY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
1130 SWEENEY DRIVE FAQs
What would the monthly payment be for 1130 SWEENEY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,974/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 1130 SWEENEY DRIVE?+
The most recent tax bill on record (2025) was $6,051. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $364,900, this home is listed about 4% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
104 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $369,900, now $364,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Brandon Rimes. MLS #TB8497087.
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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