3312 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active167 days on marketListed Feb 6, 2026MLS #TB8472762
About this home
3312 W SHELL POINT ROAD
This parcel is a rare opportunity to own .42AC of prime real estate on the Little Manatee River within minutes of the Bay and Gulf. It features 73 feet of river front deep-water access with ample depth to accommodate most large vessels. Build your own dock and lift for a slice of paradise! Includes boat launch, garage, carport, utility shed, well, septic and underground electricity on site. Two structures on site, owners live in the one on the right. Part of local history built in 1938. Shell Point Road in Ruskin is a quiet community with no HOA or CDD. Property is zoned PD, allowing flexible land uses. It is conveniently located minutes from Tampa, Brandon, St Pete, Bradenton, Shell Point Marina, Little Harbor, shopping, restaurants, and healthcare facilities. The potential to own a spectacular piece of paradise doesn't come along often. Now is the time to make the move and start enjoying the dream! All measurements are approximate. Structures are tear downs, please do not enter. Lot to the Left is also available TB8472734 for a total of 126 feet of river front and .723 AC. PKG the two and save TB8389115
Facts & features
The home at a glance
0.42 ac
Lot size
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 — not generic estimates.
$3,248 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,248/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3312 W SHELL POINT ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3312 W SHELL POINT ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
3312 W SHELL POINT ROAD FAQs
What would the monthly payment be for 3312 W SHELL POINT ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,248/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3312 W SHELL POINT ROAD?+
The most recent tax bill on record (2024) was $2,957. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $449,000, this home is listed about 28% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$449,000 runs 28% above the Ruskin median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
167 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $525,000, now $449,000 — a $76K cut. The full history is in the market section below.
Listing courtesy of SIGNATURE REALTY ASSOCIATES · Denise Boyd. MLS #TB8472762.
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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