1603 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active351 days on marketListed Aug 6, 2025MLS #TB8413715
About this home
1603 W SHELL POINT ROAD
ALMOST 3 ACRES! VALUE IN THE LAND! 4 BUILDINGS OF NO VALUE! POOL IS NESTLED IN REAR OF 1ST BUILDING. 3 MOBILES THAT FLOODED EACH WITH OWN ELECTRIC POWER AND SEPTIC TANKS. WATER IS FURNISHED ON ONE METER COUNTY WATER PLUS A WELL. COMMERCIAL MIXED USE ON FRONT PARCEL, REAR IS AR. PICTURE YOUR BUSINESS HERE, LENDS ITSELF TO MOBILE HOMES, ALL FACTS TO BE VERIFIED BY BUYER. SURVEY IS FROM YEARS AGO. A STRIP OF LAND ALONG NORTH BOUNDARY WAS SOLD TO THE SUBDIVISION BEHIND PARCEL, SO SURVEY NEEDS TO BE REDONE. PEACE AND QUIET, NO INTERSTATE NOISE JUST MADE FOR YOUR BUSINESS AND HOMES. PLEASE CALL AND I WILL BE HAPPY TO SHOW. APPOINTMENT NEEDED AS FAMILY STILL LIVES HERE! NEW SURVEY NEEDED TO VERIFY EXACT MEASUREMENTS. OPEN STORAGE WOULD WORK HERE!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
3,837
Sqft
2.75 ac
Lot size
1969
Year built
One
Levels
$208
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 — not generic estimates.
$5,155 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,155/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs UNPLATTED
$208 vs $312
Days on market
351 vs 51 typical
Where $208/sqft sits among the 161 homes for sale in UNPLATTED
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)
75 of 161
UNPLATTED have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 128% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1603 W SHELL POINT ROAD
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$640,000
6201 BOB HEAD ROAD · same community
4 bd · 2.5 ba · 3,741 sqft · $171/sqft · 102 DOM
Sold · Dec ’25$1,450,000
908 PELOTE CEMETERY ROAD · same community
6 bd · 4.5 ba · 3,982 sqft · $364/sqft · 10 DOM
Sold · Dec ’25$1,185,000
8903 DONNA LU DRIVE · same community
3 bd · 2 ba · 2,106 sqft · $563/sqft · 98 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 1603 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 1603 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 David's phone and CRM.
Straight answers
1603 W SHELL POINT ROAD FAQs
What would the monthly payment be for 1603 W SHELL POINT ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,155/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 1603 W SHELL POINT ROAD?+
The most recent tax bill on record (2025) was $4,606. 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 $799,000, this home is listed about 128% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$799,000 runs 128% above the Ruskin median — but at 3,837 sqft it's also nearly twice the size of the typical Ruskin listing.
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
351 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of EZ CHOICE REALTY · Kay Pye. MLS #TB8413715.
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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