423 BAHIA BEACH BOULEVARD, RUSKIN, FL, 33570
Active226 days on marketListed Dec 12, 2025MLS #A4675079
About this home
423 BAHIA BEACH BOULEVARD
NEW PRICE! Welcome to the most extraordinary WATERFRONT townhome w/ over $60,000 in tastefully chosen upgrades located in the seaside village of Little Harbor. No expense was spared, no detail overlooked in investments made in making this house a home. As a primary home, it has been meticulously maintained by its sole owner, never hosting a rental. The value of waterfront is in experiencing THE VIEW--both East and West. In this home it begins with 16' of sliding glass doors (essentially, walls of glass) in the lower level living area and upper level primary BR, with each overlooking the Marina and wide salt water canal offering stunning views of this widely sought after boating community. Based on its unique Marina location, each of the 2 East facing 1st and 2nd floor terraces (overlooking the Marina) offer privacy distinct from most other town homes and sunrises equally as breathtaking as the sunsets, creating perfection for terrace dining. Each of the two West facing 1st and 2nd floor terraces enjoy unobstructed private views over open green space and sunset skies. Endless upgrades were thoughtfully chosen to maximize both storage and living space. This floor plan, originally built with a small linen closet to serve as a kitchen pantry, was upgraded to a custom designed hallway pantry, 4 1/2' x 7 1/2' featuring 16 soft closing, pull out drawers with cabinets above adding an additional 8 shelves. A 7' cabinet was added to the primary bathroom providing 10 storage shelves, augmenting the expansive storage under the vanity. Out of 154 TH’s in this community, only 6 of them (this home being one of those 6) were built to offer a 15'x16' outdoor lanai behind the garage, creating abundant seating, dining and entertaining areas. The jumbo sized screened lanai is perfect for outdoor grilling and dining with your friends overlooking the Marina. All outdoor ground level flooring (including lanai, driveway, garage and storage closet) were upgraded with a seamless polyaspartic flooring creating a luxurious, modern and clean design. All 4 upper level terraces were upgraded with a sophisticated wide plank tile. Both sets of interior stairs feature upgraded modern maple wood steps and landings with modern industrial style aluminum handrails. The primary bathroom shower is upgraded with a modern glass enclosure. Framed mirror upgrades are found in all bathrooms. Lighting has been updated throughout the home. The A/C and hot water heater were both replaced in 2020. In addition to your garage and private parking, just steps away is the convenience of a parking lot for your guests. The community offers an onsite half mile BEACH, 2 waterfront restaurants with sports/Tiki Bar, NEW upscale fishing pier, kayak/canoe boat launch, 2 deep water marinas, high & dry boat storage, Freedom Boat Club, heated swimming pool, tennis and pickleball courts, a fitness center, clubhouse, and playground. Short term AIRBNB rentals allowed. Don't miss the opportunity to own this extraordinary property in an amazing Resort type setting close to Sarasota, St. Petersburg, Tampa with golf courses, hospitals, restaurants, and shopping nearby. Call TODAY to schedule your appointment and start living your dream! Taxes include the CDD.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,417
Sqft
0.04 ac
Lot size
1
Garage
2006
Year built
Two
Levels
$318
Per sqft
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 and the real association fee — not generic estimates.
$4,212 /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
$4,212/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.4%
$/sqft vs Ruskin actives
$318 vs $180
Days on market
226 vs 51 typical
Where $318/sqft sits among the 290 Ruskin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
161 of 290
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 423 BAHIA BEACH BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$285,000
603 BAHIA BEACH BOULEVARD · same community
2 bd · 1.5 ba · 1,110 sqft · $257/sqft · 0 DOM
Sold · Dec ’25$285,000
603 BAHIA BEACH BOULEVARD · same community
2 bd · 1.5 ba · 1,110 sqft · $257/sqft · 20 DOM
Sold · Sep ’25$306,000
459 BAHIA BEACH BOULEVARD · same community
2 bd · 1.5 ba · 1,110 sqft · $276/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 423 BAHIA BEACH BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 423 BAHIA BEACH BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
423 BAHIA BEACH BOULEVARD FAQs
What would the monthly payment be for 423 BAHIA BEACH BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,212/mo — principal and interest, the actual property-tax bill, the $800/mo association fee 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.
How much are the HOA fees at 423 BAHIA BEACH BOULEVARD?+
The association fee works out to $800 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 423 BAHIA BEACH BOULEVARD?+
The most recent tax bill on record (2025) was $4,855. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 423 BAHIA BEACH BOULEVARD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $449,900, this home is listed about 29% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Positioned at the premium end
$449,900 runs 29% 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.
03Know the monthly fee
The association fee is $800/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
226 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $459,900, now $449,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SHOWTIME REALTY · Jennifer Bennett. MLS #A4675079.
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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