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$599,999

For Sale - Active
10017 Smarty Jones Dr, Ruskin, FL 33573
6 Beds
4 Baths
4,448 Square Feet
0.16 Acres Lot
Built in 2014
For Sale - Active
1 Units
Checked: 1 day ago
Updated: Jun 29, 2025 at 03:28AM

Investment Summary


Monthly Cash Flow
-$1,241
Cap Rate
3.7%
Cash-on-Cash Return
-10.8%
Debt Coverage Ratio
0.60
Internal Rate of Return (5 years)
-6.5%

Property Description


0.16 Acres Lot
Built in 2014
For Sale - Active
1 Units

One or more photo(s) has been virtually staged. HUGE Reduction. Sellers loss is YOUR Gain! Experience ELEVATED FLORIDA LIVING in this ONE-OF-A-KIND LUXURY HOME! Welcome to your PRIVATE PARADISE in the highly sought-after BELMONT community—a STUNNING 6-BEDROOM, 3.5-BATH MASTERPIECE boasting 4,448 SQ FT of REFINED LIVING SPACE, DESIGNED TO IMPRESS at every turn. With a BRAND NEW ROOF 2025, NO CDD FEES, and only a LOW MONTHLY HOA, this is the DEFINITION OF A DREAM HOME. From the moment you step inside, you’ll be captivated by the ELEGANCE and THOUGHTFUL DETAIL throughout. Enjoy the RICHNESS of 5" WIDE WOOD PLANK FLOORS and CUSTOM WINDOW TREATMENTS, including PLANTATION SHUTTERS, DESIGNER JOHN ROBSHAW HAND BLOCK PRINT DRAPES, ROMAN SHADES, and LUXURIOUS SILK DRAPERIES that add a TAILORED TOUCH OF SOPHISTICATION to every room. The heart of the home is a CHEF’S DREAM KITCHEN, featuring a SAMSUNG SMART REFRIGERATOR with touchscreen, grocery ordering, and entertainment options; CAFÉ SMART DOUBLE WALL OVEN with built-in air fryer and PRECISION COOKING TECHNOLOGY; and DUAL FISHER & PAYKEL DISHWASHER DRAWERS for SEAMLESS ENTERTAINING and EASY CLEAN-UP. This kitchen offers both STYLE and FUNCTIONALITY. Retreat to your GRAND PRIMARY SUITE, complete with a TRAY CEILING, SPA-LIKE BATHROOM, OVERSIZED SOAKING TUB, and SWEEPING LAKE VIEWS—the ultimate SANCTUARY for relaxation. Step outside to your PRIVATE COVERED PATIO, where FLORIDA’S NATURAL WILDLIFE and SERENE LANDSCAPING create a peaceful escape for your morning coffee or evening unwind. Enjoy RESORT-STYLE AMENITIES including TWO COMMUNITY POOLS, TENNIS & BASKETBALL COURTS, PARKS, PLAYGROUNDS, SPORTS FIELDS, and DOG PARKS—perfect for ACTIVE LIFESTYLES and OUTDOOR ENTHUSIASTS. Located just minutes from PUBLIX, TOP-RATED DINING, and DAILY ESSENTIALS, with EASY ACCESS to WATERFRONT RESTAURANTS and a FULL-SERVICE MARINA. All set on a BEAUTIFULLY LANDSCAPED LOT with LUSH ST. AUGUSTINE GRASS and a FULLY INTEGRATED SPRINKLER SYSTEM for YEAR-ROUND CURB APPEAL. This is more than just a house—it’s a LIFESTYLE UPGRADE. Don’t miss your chance to own this RARE GEM. Schedule your private showing today!

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Location


Property Details


Parking

  • Description: Garage
  • Garage Spaces: 2
  • Spaces Total: 0

Bedroom Information

  • # of Bedrooms: 6

Bathroom Information

  • # of Baths (Full): 3
  • # of Baths (Total): 4.0

Interior Features

  • # of Rooms: 14
  • # of Stories: 2

Exterior Features

  • Exterior Walls Materials: Stucco
  • Foundation: Block
  • Roof Type: Gable or Hip
  • Roof Material: Shingle

HOA

  • Has HOA: Yes
  • Association: Christine Trimmer
  • HOA Fee: $158/annually

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: U19312099D000009000080
  • Lot Size: 7086 sqft

Property Information

  • Property Type: Single Family Residence
  • Year Built: 2014

Tax Information

  • Annual Tax: $7,662

Utilities

  • Water & Sewer: Public
  • Heating: Central
  • Cooling: Central Air

Location

  • County: Hillsborough

Listing Details


Listed by:
Tony Saccaro
REAL BROKER, LLC
(813) 758-3852

Source:
Stellar MLS
MLS#: TB8379103
Stellar MLS

Investment Summary


Monthly Cash Flow
-$1,241
Cap Rate
3.7%
Cash-on-Cash Return
-10.8%
Debt Coverage Ratio
0.60
Internal Rate of Return (5 years)
-6.5%

Purchase Details

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Purchase price:
$599,999
Amount financed:
-$479,999
Down payment:
$120,000
Closing costs:
$18,000
Rehab costs:
$0
Initial cash invested:
$138,000
Square feet:
4,448
Cost per square foot:
$135
Monthly rent per square foot:
$0.81

Financing Details

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Loan amount:
$479,999
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
6.625%
Principal & interest:
$3,073
Property tax:
$639
Insurance:
$252
Private mortgage insurance (PMI):
$0
Monthly payment:
$3,964

Operating Income

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% Rent Monthly Yearly
Gross rent:
$3,600 $43,200
Vacancy loss: (6%)
6% -$216 -$2,592
Operating income:
$3,384 $40,608

Operating Expenses


% Rent Monthly Yearly
Property taxes: (18%)
18%-$639-$7,662
Insurance: (7%)
7%-$252-$3,024
Property management: (8%)
8%-$288-$3,456
Repairs & maintenance: (5%)
5%-$180-$2,160
Capital expenditures: (5%)
5%-$180-$2,160
HOA fees: (0%)
0%-$13-$156
Total operating expenses: (43%)
43%-$1,552-$18,618

Cash Flow


Monthly Yearly
Net operating income:
$1,832 $21,984
Mortgage payments:
-$3,073 -$36,876
Cash flow:
$1,241 $14,892