If you are excluding home built in 2005-2006 because of the Chinese drywall issue you may be eliminating a good number of great options unnecessarily. You see, enough time has passed that most chines drywall homes have been identified and sellers are required to disclose this information when they list the property.
Additionally, I would recommend that regardless of the year constructed that you present all offers on homes of recent construction with a "Chinese Drywall" addendum. This document should simply state that should inspections reveal the presence of this material that you have the option of walking away from the contract without any penalty. This should cover you on the issue and perhaps increase your possibilities.
New construction is always a good option but it may not represent the best value for buyers. This is why investors are eagerly chasing down resale homes and not seeking new construction. Weigh the pros and cons of this carefully.
I'm not that familiar with the Ruskin market but there are locations in Southwest Florida in which you can find 2000-2008 constructed, 3/2/2 homes in the $90k to $100k range.
Hope this is helpful information for you.
Keller Williams South Shore
As for Chinese drywall, I listed 49 town homes in one community in Ruskin built in 2006 and 2007. This community did not have Chinese drywall, however, there is an addendum for disclosure/discovery with an opportunity to also hire an expert for testing if you are uncomfortable.
We have many, many ALL CASH investors buying up properties in Tampa Bay.
In the past 90 days in Ruskin there were 16 non-Short Sale homes sold (similar to your price and type )and 13 of of those sales were to ALL CASH buyers. These are the active listings of non-short sale newer homes so it looks realistic that you can buy a nice newer home under $140k:
You may have better luck with a property restricted to Owner-Occupant buyers...Fannie Mae, Freddie Mac and HUD owned foreclosed homes.
To have a new home built it would most likely cost above $155k. Also you have to be careful to watch for extra CDD Taxes and HOA fees because they can add an extra $2k or more to your annual housing costs.
All the best,
Alma Rose Kee, PA
Future Home Realty