$643,900

Bedrooms
5
Bathrooms
4
Living area
4,328 sqft
Year built
2013
10039 SMARTY JONES DR
RUSKIN, FL 33573
Listed by CENTURY 21 BEGGINS ENTERPRISES

Highlights

Property type
Single Family Residence
Lot size
0.18 acres
Garage
3 spaces
On market
177 days
  • Waterfront
  • Private pool
  • Fireplace

About this home

Short Sale. Motivated Seller! Check out this fabulous home featuring a spacious and functional floor plan with a POOL and peaceful WATER view. This 2 story home offers over 4,000 square feet with 5 bedrooms, 4 full bathrooms, a MEDIA room, and an oversized 3 car tandem garage. Major updates include a NEW ROOF in 2025, exterior paint in 2025, a heated POOL in 2021, and a 2 story screened lanai in 2022. As you enter, you are welcomed by a combined living and dining room with a modern fireplace. On the right is a flex room with a custom barn door that can be used as an office, man cave, or whatever best fits your lifestyle. The kitchen is perfect for gatherings with granite countertops, an island, a food pantry, a custom vent hood, and stainless steel appliances. It opens to the large family room and breakfast nook overlooking the pool and pond. The first floor also includes a bedroom and full bathroom, perfect for guests or as a mother-in-law suite. Upstairs, you will find 4 additional bedrooms, 2 bathrooms, and a spacious primary suite featuring a cozy fireplace, sitting area, 2 walk-in closets, and access to a balcony. The primary bathroom includes double sinks, a garden tub, and a separate shower. The home theater room is ready for movie nights with comfortable custom seating, surround sound, a projection screen, and balcony access. Step outside and relax in your private heated pool and spa with waterfall features, custom tile, and a paver deck with plenty of covered seating while enjoying beautiful sunset views over the pond. Located in the popular Belmont community with amenities that include two pools, tennis courts, a basketball court, playground, clubhouse, walking trails, open green space, and a dog park. Check out the 3D tour to get a better feel for this fabulous property. Utilities are currently off. Buyer will be responsible for turning on utilities for inspections if needed.

Property details

MLS
Stellar MLS
MLS #
MFRTB8480417
Property type
Single Family Residence
Subdivision
BELMONT
Status
Active
Days on market
177
On market date
February 25, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
3
Parking spaces
N/A
Lot size
0.18 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
BELMONT ELEMENTARY SCHOOL
0.39 mi away · Grades -1-6
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
981
Student:teacher ratio
18.2:1
District
HILLSBOROUGH
Middle
SHIELDS MIDDLE SCHOOL
2.43 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,792
Student:teacher ratio
20.8:1
District
HILLSBOROUGH
High
JULE F SUMNER HIGH SCHOOL
1 mi away · Grades 7-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
3,459
Student:teacher ratio
25.2:1
District
HILLSBOROUGH

Walkability

Blended score for RUSKIN's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

25
Car-dependent
out of 100
EPA National Walkability Index
6.8 / 20 -- Below average walkable
Google Places amenity density
10 / 100
Restaurants & cafes0
Grocery stores0
Parks1
Schools1
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in RUSKIN, from live MLS data.

On the market 177 days -- 71 more days than RUSKIN's current average of 106 days.
For reference, the median list price across 487 active listings in RUSKIN right now is $325,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

Adjust tax / insurance estimates
Est. monthly payment
$4,028/mo
$128,780 down
$515,120 loan
Principal & interest$3,341
Property tax (est.)$537
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS. Last updated August 21, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.