David Ramirez
$475,000$490,000$3,904 /mo all-in ↓

962 E SHELL POINTE ROAD, RUSKIN, FL, 33570

Active441 days on marketListed May 5, 2025MLS #O6305977

Reduced $15KRUSKIN COLONY FARMS

About this home

962 E SHELL POINTE ROAD

Prime Development Opportunity in the Heart of Ruskin, FL Unlock the full potential of this exceptional 3.18-acre development parcel located at 962-1022 E Shell Point Road in the rapidly growing community of Ruskin, FL. Perfectly positioned at the intersection of E Shell Point Road and Interchange Street, this property offers unparalleled visibility and access, making it an ideal site for a wide range of neighborhood commercial and residential developments. Strategic Location This property sits at the gateway to Ruskin, surrounded by established residential neighborhoods and just minutes from major transportation arteries, including I-75 and US-41. The site is adjacent to the Covina at Bay Park community and enjoys close proximity to shopping centers, schools, and key employment hubs, such as the Amazon Fulfillment Center, located just 1.5 miles away. This prime location ensures a steady flow of traffic and easy access for both residents and businesses. Zoning and Land Use Flexibility Zoned as Planned Development (PD) with a future land use designation of Residential 12 (R-12), this parcel offers a unique blend of opportunities for developers. The property’s zoning supports a variety of uses, including residential support services, retail, and personal services, making it a versatile investment for those looking to capitalize on Ruskin’s growth. The property is zoned Planned Development (PD) with a future land use designation of Residential-12 (R-12). The property is located within the Urban Service Area, and the Comprehensive Plan supports low-intensity, neighborhood-scale commercial development in this area. Hillsborough County planning staff have expressed support for projects that enhance residential quality of life—such as early education, personal services, and small-scale retail operations. Key Property Features: • Total Area: 3.18 acres (approximately 138,520.8 square feet) • Zoning: Planned Development (PD) • Future Land Use: Residential 12 (R-12) • Frontage: 356 feet along E Shell Point Road and 366 feet along Interchange Street • Access: Multiple access points from both Interchange Street and E Shell Point Road • Infrastructure: Public water and sewer services available, provided by Hillsborough County Comprehensive Development Feasibility The site has been thoroughly vetted for development, with a detailed feasibility report confirming the viability of the proposed uses. The property’s strategic location within the Urban Development Area ensures access to essential public services and infrastructure, aligning with Hillsborough County’s long-term growth and development plans. Previous investigation highlights the property’s compliance with all relevant zoning and land use regulations, making it ready for immediate development. Endless Development Possibilities Whether you envision a medium-density residential development, a neighborhood retail plaza, a daycare center, a self-storage facility, or a combination of any defined neighborhood use, this property offers endless possibilities. The surrounding area’s ongoing residential and commercial expansion only enhances the potential for a successful development that meets the needs of this dynamic community.

Facts & features

The home at a glance

3.18 ac

Lot size

Inside

Outside & construction

FacesSouth

Community & fees

Taxes (2024)$8,857/yr

Utilities & systems

UtilitiesSewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,904 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property tax — 2024 actual bill$738
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,625Loan30-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% · $16,625
Interest rate6.00%
Loan term

Estimated payment

$3,904/mo

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property taxes (actual bill)$738
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.

Where it sits

Inside Ruskin

Map of 962 E SHELL POINTE ROAD

Drive times from this address

Downtown Tampa34 min
Tampa Int’l Airport (TPA)50 min

Get to know Ruskin. See the full Ruskin guide →

RUSKIN 33570 — neighborhood snapshot

Population

33,676

Median age

36.7

Median income

$69,048

Median home value

$255,400

Avg household

2.86

Households w/ children

4,421

For the school run

Hillsborough County School District

ElementaryRuskin Elementary School★★★★★
HighLennard High School★★★★★
MiddleShields Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

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)

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

This home is listed 42% above the RUSKIN 33570 median. See the full Ruskin market guide →

Paper trail

This home's history

CurrentPrice reduced to $475,000 $15K
May 5, 2025Listed at $490,000 · 441 days on market since

Reality check

What actually sold near 962 E SHELL POINTE ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1501 12TH STREET NESold · Apr ’26

$175,000

1501 12TH STREET NE · same community

3 bd · 2 ba · 1,873 sqft · $93/sqft · 232 DOM

1601 1ST STREET SESold · Dec ’25

$305,000

1601 1ST STREET SE

3 bd · 1 ba · 975 sqft · $313/sqft · 19 DOM

2122 PLEASURE RUN DRIVESold · Dec ’25

$285,000

2122 PLEASURE RUN DRIVE

3 bd · 2 ba · 1,444 sqft · $197/sqft · 136 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 962 E SHELL POINTE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 962 E SHELL POINTE ROAD — 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

962 E SHELL POINTE ROAD FAQs

What would the monthly payment be for 962 E SHELL POINTE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,904/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 962 E SHELL POINTE ROAD?+

The most recent tax bill on record (2024) was $8,857. 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 $475,000, this home is listed about 36% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.

Which schools are assigned to 962 E SHELL POINTE ROAD?+

Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$475,000 runs 42% above the RUSKIN 33570 median.

02Time on market is leverage

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

03The price has already moved

Listed at $490,000, now $475,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Brad Kuskin. MLS #O6305977.

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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