3016 SMILODON TRAIL, RUSKIN, FL, 33570
Active25 days on marketListed Jun 29, 2026MLS #TB8524137
About this home
3016 SMILODON TRAIL
FIND YOUR FLORIDA TREASURE IN THE LOST RIVER PRESERVE! This uniquely designed, thoughtfully constructed estate delivers advanced amenities inside and out on 2.6 acres of natural, waterside privacy still convenient to all the highlights of life around Tampa Bay. Custom-built only 6 years ago, it's a truly rare blend of quiet retreat and vibrant progress -- tucked beside publicly protected lands and waters as well as exclusive community fishing and boating spots, yet packed with extras such as rooftop solar panels, 20kWh home battery, propane generator hookup, tankless water heater, EV charger, RV parking pad with electrical hookup, and a beautiful courtyard pool surrounded by a travertine deck. The main residence provides more than 3,170 SF of single-story living with 4 bedrooms and 3.5 baths, but then there's another 700 SF or so in a climate-controlled fitness room (part of a flexible-use backyard building) and a front-entry studio apartment. This additional living space is a big benefit for extended family, long-term guests, a caregiver, or a home business office. It features a full bathroom, kitchenette, water heater, washer/dryer connections, pool access, and attached 1-car garage separate from the 3-car garage that shares the long driveway. Other highlights of this impressive property include no carpet, only wood-look tile and luxury vinyl plank floors; stone counters with undermount sinks; raised-panel wood cabinets; stainless-steel appliances including a gas range and double wall ovens; crown molding; tile listello and backsplashes; decorator fans and fixtures; and a customized fire pit lounge patio with brick wall seats for entertaining in the expansive yard. The property rests in FEMA Flood Zone X500, outside the Special Flood Hazard Area, and is not subject to any CDD, simply a $225 HOA quarterly fee that includes community-gated water access, boat storage and recreation land. You need to visit to envision all the possibilities here. Arrange your tour today!
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,813
Sqft
2.61 ac
Lot size
4
Garage
2020
Year built
One
Levels
$446
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 and the real association fee — not generic estimates.
$10,980 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,980/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Ruskin actives
$446 vs $178
Days on market
25 vs 51 typical
Where $446/sqft sits among the 291 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
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
160 of 291
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 386% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3016 SMILODON TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,100,000
3523 W SHELL POINT ROAD
4 bd · 4 ba · 3,662 sqft · $300/sqft · 73 DOM
Sold · Apr ’26$1,085,629
0 GULF CITY ROAD
3 bd · 3 ba · 3,475 sqft · $312/sqft · 0 DOM
Sold · Dec ’25$975,000
3319 GULF CITY ROAD
5 bd · 4 ba · 3,422 sqft · $285/sqft · 238 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 3016 SMILODON TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3016 SMILODON TRAIL — 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
3016 SMILODON TRAIL FAQs
What would the monthly payment be for 3016 SMILODON TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,980/mo — principal and interest, the actual property-tax bill, the $75/mo association fee 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.
How much are the HOA fees at 3016 SMILODON TRAIL?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3016 SMILODON TRAIL?+
The most recent tax bill on record (2025) was $11,217. 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 3016 SMILODON TRAIL?+
The listing reports pets: Yes. 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 $1,700,000, this home is listed about 386% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Ann Marie Vaughan. MLS #TB8524137.
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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