404 DICKMAN DRIVE SW, Ruskin, FL, 33570 | $799,000

Major Price Improvement! NO HOA OR CDD!
Discover the perfect blend of space, comfort and flexibility in this newly remodeled 4 bedroom, 4 bathroom home in the heart of Ruskin. You will enjoy a relaxing water view at the front of the home and gorgeous sunrises and sunsets from the property. Inside you will find an expansive layout that includes two spacious primary bedrooms, each with its own ensuite bathroom, two large bedrooms, an office, dining room, family room, game area, and a two story great room centered around a Chicago Brick wood burning fireplace (with outside loading wood bins) and an open loft with oak spiral staircase and railing. This room creates an especially cozy and inviting space for gathering. The kitchen features a breakfast nook and bar area for ample seating. There are new LG stainless steel appliances and abundant cabinetry, ready for daily meals and entertaining. A spacious laundry/utility room adjoins the kitchen and the large three car garage. The house opens to the massive covered lanai through french doors in the great room, kitchen/breakfast nook, laundry area, master bedroom and bathroom. This access makes the lanai perfect for parties , outdoor dining, relaxing with your morning coffee or just hanging out in a hammock with a good book!
Throughout the home, fresh updates and a functional layout support a variety of lifestyles or multiple-generational living. The three new air conditioning units allow for convenient temperature control in different areas of the house. Re-piping of all incoming water supply lines with Uponor (PEX) is complete. A new roof will be installed prior to closing, giving the buyer color choice options. Current owners Flood Insurance policy and Termite Protection Policy Warranty are transferrable. Located by the Ruskin Inlet, the home is near the scenic Little Manatee River and Tampa Bay with easy access to boat launches including Common Good Park, E. G. Simmons Park, and Cockroach Bay Aquatic Preserve. The property places you both near nature and convenience to local shopping and dining.
In addition, there is a vacant parcel located directly behind the home available for purchase separately offering a unique opportunity for expansion, storage or investment. (This parcel is not currently listed for sale. ). Schedule a showing today and explore all the possibilities this unique Ruskin property has to offer.

Features

  • Rooms: 12
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 120 x 190
  • Laundry: Laundry Room
  • Style: Traditional
  • Year Built: 1968
  • Garage: 3-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 4,400
  • Acreage: 0.52
  • Lot Size: 120 x 190
  • Est. Taxes: $4,060
  • Lot Desc: Flood Insurance Required, In County, Landscaped, Unincorporated
  • View: Water
  • Elem. School: Ruskin-HB
  • Middle School: Shields-HB
  • High School: Lennard-HB
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8406999
  • Days on Market: 194 days
  • Website: https://www.raveis.com
    /prop/TB8406999/404dickmandrivesw_ruskin_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/29/2026 1:43:08 AM)
Listing courtesy of LPT Realty   Phone: 877-366-2213

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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404 DICKMAN DRIVE SW, Ruskin, FL, 33570

$799,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $639,200 $639,200 $639,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.209% 6.168% 5.609%
Monthly Tax Payment $338 $338 $338
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,629 $3,828 $5,180
Total Monthly Payment $4,059 $4,258 $5,610

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.