David Ramirez
$339,0002 bd2.5 ba1,258 sqft$269 /sqft$3,602 /mo all-in ↓

454 BAHIA BEACH BOULEVARD, RUSKIN, FL, 33570

Active134 days on marketListed Mar 13, 2026MLS #A4684484

Priced 3% below the Ruskin medianFully furnishedTownhouseBAHIA BEACH TWNHMS PH 2

About this home

454 BAHIA BEACH BOULEVARD

Turnkey Waterfront Townhome in Little Harbor Resort. Experience effortless waterfront living in this fully furnished, maintenance-free townhome located within the sought-after waterfront resort community of Little Harbor Resort on the shores of Tampa Bay. Whether you are searching for a full-time residence, winter retreat, or a high-performing income property, this exceptional townhome offers the ideal combination of lifestyle and investment potential. Perfectly positioned with direct access to Tampa Bay and the Gulf of Mexico — with no locks or bridges, the location is especially attractive to boaters and vacation guests alike. From the multiple private balconies, enjoy spectacular sunsets and sweeping views that stretch across Tampa Bay, a tranquil coastal preserve, and the iconic. Imagine dolphins and manatees enjoying the canal while you relax on the balcony. This property features include: 2 bedrooms withe private balconies and ensuite bathrooms, fully equipped kitchen with stainless appliance and granite countertops overlooking the living area that includes a beautiful water view. There is a laundry area with a stackable unit next to the half bath and another balcony you can enjoy a sunrise from. Quality furnishings throughout for immediate enjoyment or rental use Roll-down screens for added comfort and privacy on living room balcony, large garage with generous indoor and outdoor storage — perfect for beach gear, bikes, fishing equipment, or a golf cart. (two golf stay with the home) Resort-Style Amenities give owners and guest access to a full array of amenities which include: 2 restaurants, multiple pools, private beach, private pier, tennis/pickleball courts, dog park, playground, arcade, game room, access to two boat clubs a full access marina and a high and dry marina. The location also provides easy access to shopping, dining, and outdoor recreation, while being just a short drive from some of Florida’s most celebrated beaches including Siesta Key Beach, Anna Maria Island, and Fort De Soto Park. There a nature parks along Tampa Bay for daytime enjoyment. In addition, the cultural, dining, and entertainment offerings of Tampa are within easy reach, including professional sports, concerts, festivals, and year-round events. This property is fully furnished and ready to generate income immediately. With strong short-term rental demand, minimal maintenance requirements, and high guest appeal, it presents an excellent opportunity for investors or buyers seeking a personal coastal retreat with income potential. With its unmatched waterfront location, resort-style amenities, and proven vacation destination appeal, this exceptional property offers the best of Florida’s coastal lifestyle and investment opportunity.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,258

Sqft

0.03 ac

Lot size

2

Garage

2007

Year built

Two

Levels

$269

Per sqft

Water viewFurnishedPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Stone Counters · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionStucco
FoundationSlab
ViewWater
FacesEast
ParkingGarage Door Opener · Guest
ExteriorBalcony · Playground · Sidewalk · Sliding Doors · Tennis Court(s)

Community & fees

HOA fee$625/mo
Taxes (2024)$8,061/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Golf Carts OK · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Phone Available · Public · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$3,602 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,996
FHA mortgage insurance (est.)$150
Property tax — 2024 actual bill$672
HOA fee — from the listing$625
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,865Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,865
Interest rate6.00%
Loan term

Estimated payment

$3,602/mo

Principal & interest$1,996
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$672
HOA / condo fee$625
Est. insurance$160

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.

List $339K
$192KedgeAI estimate $235,243 · range $200K$323K$353K

vs edgeAI estimate

+44.1%

$/sqft vs Ruskin actives

$269 vs $179

Days on market

134 vs 51 typical

Where $269/sqft sits among the 286 Ruskin actives

134
84
21 · this home
13
11
23
$129–177$177–225$225–273$273–320$320–368$368+

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

Map of 454 BAHIA BEACH BOULEVARD

Drive times from this address

Downtown Tampa39 min
Tampa Int’l Airport (TPA)52 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Ruskin. See the full Ruskin guide →

The numbers that matter

The Ruskin market

Seller’s marketBalanced6.3 months of inventoryBuyer’s market

$330K$320K

Ruskin median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

162 of 286

Ruskin actives have cut their price

Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 3% below the Ruskin median. See the full Ruskin market guide →

Paper trail

This home's history

Mar 13, 2026Listed at $339,000 · 134 days on market since
2007Built · BAHIA BEACH TWNHMS PH 2

Reality check

What actually sold near 454 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.

3244 MANGROVE POINT DRIVESold · Mar ’26

$225,000

3244 MANGROVE POINT DRIVE · same community

2 bd · 2.5 ba · 1,258 sqft · $179/sqft · 39 DOM

3210 MANGROVE POINT DRIVESold · Jun ’26

$215,000

3210 MANGROVE POINT DRIVE · same community

2 bd · 1.5 ba · 1,184 sqft · $182/sqft · 378 DOM

3257 MANGROVE POINT DRIVESold · Dec ’25

$385,000

3257 MANGROVE POINT DRIVE · same community

3 bd · 3 ba · 1,571 sqft · $245/sqft · 14 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 454 BAHIA BEACH BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 454 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.

Goes straight to David’s phone and CRM.

Straight answers

454 BAHIA BEACH BOULEVARD FAQs

What would the monthly payment be for 454 BAHIA BEACH BOULEVARD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,602/mo — principal and interest, the actual property-tax bill, the $625/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 454 BAHIA BEACH BOULEVARD?+

The association fee works out to $625 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 454 BAHIA BEACH BOULEVARD?+

The most recent tax bill on record (2024) was $8,061. 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 454 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 $339,000, this home is listed about 3% below 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

01Under the Ruskin market on paper

$339,000 is 3% below the Ruskin median of $349,850.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Know the monthly fee

The association fee is $625/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

134 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.

Listing courtesy of EXP REALTY LLC · Billie Jo Hurd. MLS #A4684484.

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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