3226 MANGROVE POINT DRIVE, RUSKIN, FL, 33570
Active722 days on marketListed Aug 2, 2024MLS #T3546286
About this home
3226 MANGROVE POINT DRIVE
Gorgeous move-in ready waterfront townhome, fully furnished, perfect second home or primary residence! This amazing place offers beautiful canal views and the best amenities in the entire area. With lots of natural lighting and 4 private balconies to enjoy your days relaxing by the bay. The kitchen features granite countertops and stainless steel appliances, and it's fully equipped with everything you need! Offering title floors throughout the living spaces and wet areas, newer carpet in the bedrooms, ceiling fans window treatments, and more! This destination resort type of lifestyle offers white sand secluded BEACH, a waterfront restaurant/sports/tiki bar, tennis courts, fitness centers, heated swimming pools, deep water marinas, and dry storage with slip availability. BOATER'S paradise with direct access to the Bay/Gulf - no lifts or bridges. Enjoy this maintenance-free living in paradise and nature until your heart's content! kayak in the River and canals while enjoying dolphin and manatee sightings. This location is approximately 30-45 min from Tampa, St Pete, and Sarasota. Easy drive to all major cities! Call for more information or to schedule your preview appt!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,184
Sqft
0.04 ac
Lot size
1
Garage
2007
Year built
Two
Levels
$249
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.
$3,282 /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
$3,282/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
+10.1%
$/sqft vs Ruskin actives
$249 vs $179
Days on market
722 vs 51 typical
Where $249/sqft sits among the 288 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)
163 of 288
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3226 MANGROVE POINT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$215,000
3210 MANGROVE POINT DRIVE · same community
2 bd · 1.5 ba · 1,184 sqft · $182/sqft · 378 DOM
Sold · Mar ’26$225,000
3244 MANGROVE POINT DRIVE · same community
2 bd · 2.5 ba · 1,258 sqft · $179/sqft · 39 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3226 MANGROVE POINT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3226 MANGROVE POINT DRIVE — 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
3226 MANGROVE POINT DRIVE FAQs
What would the monthly payment be for 3226 MANGROVE POINT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,282/mo — principal and interest, the actual property-tax bill, the $585/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 3226 MANGROVE POINT DRIVE?+
The association fee works out to $585 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3226 MANGROVE POINT DRIVE?+
The most recent tax bill on record (2023) was $8,033. 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 3226 MANGROVE POINT DRIVE?+
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 $295,000, this home is listed about 16% below 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
01Under the Ruskin market on paper
$295,000 is 16% below the Ruskin median of $349,850.
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 $585/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
722 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 $399,000, now $295,000 — a $104K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Andi Simmons. MLS #T3546286.
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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