
3215 GULF CITY ROAD, RUSKIN, FL, 33570
Active297 days on marketListed Oct 9, 2025MLS #TB8429656
About this home
3215 GULF CITY ROAD
Tucked away within the exclusive enclave of Lost River Preserve, this custom-built Mediterranean-inspired waterfront estate offers a rare opportunity for multigenerational living without compromise. Newly repositioned to reflect exceptional value within Tampa Bay’s luxury market, this legacy property spans more than 2.25 acres across four addresses with over 300 feet of water frontage—thoughtfully designed to bring generations together while preserving connection and independence. From the moment you enter through the landscaped paver courtyard, the estate feels like a secluded waterfront sanctuary. Constructed with poured concrete tilt walls, impact-rated windows and doors, and a Galvalume aluminum tile-look roof, the home offers exceptional durability while positioned high and dry in Flood Zone X. Inside, nearly 6,700 square feet of refined living space unfolds across two distinct yet connected residences joined by a sunlit foyer—an ideal layout for extended family, aging parents, adult children, caregivers, or long-term guests. Soaring tray ceilings, arched architectural details, and walls of glass frame sweeping lake views throughout the home. The primary living areas and both primary suites were positioned to embrace the waterfront setting. Designed as a family compound, both primary suites feature spa-inspired baths, dual closets, and bay window seating overlooking the lake. Each residence offers its own office, ensuite bedrooms, generous storage, and dedicated laundry room. A flexible bonus suite with kitchenette and full bath opens directly to the pool terrace, ideal as a private suite, fitness studio, creative workspace, or independent living space. Outdoor living is equally impressive with a custom saltwater pool, 9-person spa, outdoor kitchen, and expansive screened lanai overlooking the water. The covered boat dock features a ski boat hoist and filleting station, while a second dock accommodates kayaks and paddleboards and is topped with a sunset bell. The detached villa offers approximately 1,200 square feet with a full kitchen and private accommodations, while the three-bay garage provides ample storage for boats and recreational equipment. An approximately 800-square-foot lakefront entertainment space with full bath and double French doors leading to a private screened lanai creates endless possibilities for gatherings, wellness experiences, family reunions, executive retreats, and extended-stay guests. Completing the estate is a fourth parcel pre-plumbed for a future residence, creating opportunities for expansion, guest accommodations, or a custom lakefront home. Set within the breathtaking 900-acre Lost River Preserve community, residents enjoy boating, trophy bass fishing, and an unmatched connection to nature surrounded by protected shoreline, scenic waterways, and native wildlife including roseate spoonbills, ospreys, and herons. Rich in history, the community is also home to the renowned Leisey Shell Pit fossil discovery, with artifacts showcased at the nearby Paleo Preserve Fossil Museum. Offering privacy without sacrificing convenience, this waterfront estate is located just 35 minutes from Downtown Tampa and within reach of fine dining, luxury shopping, championship sports, and world-class entertainment. Whether envisioned as a family compound, multigenerational estate, executive escape, or legacy property, this extraordinary waterfront residence delivers a lifestyle few properties can match!!
Facts & features
The home at a glance
7
Bedrooms
8.5
Bathrooms
8,769
Sqft
2.27 ac
Lot size
8
Garage
2011
Year built
One
Levels
$371
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.
$20,093 /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
$20,093/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 Ruskin actives
$371 vs $181
Days on market
297 vs 51 typical
Where $371/sqft sits among the 276 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)
152 of 276
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 829% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3215 GULF CITY 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$975,000
3319 GULF CITY ROAD · same community
5 bd · 4 ba · 3,422 sqft · $285/sqft · 238 DOM
Sold · Dec ’25$1,020,000
3441 GULF CITY ROAD · same community
3 bd · 3 ba · 2,658 sqft · $384/sqft · 91 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 3215 GULF CITY ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3215 GULF CITY 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
3215 GULF CITY ROAD FAQs
What would the monthly payment be for 3215 GULF CITY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,093/mo — principal and interest, the actual property-tax bill, the $75/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 3215 GULF CITY ROAD?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3215 GULF CITY ROAD?+
The most recent tax bill on record (2024) was $13,234. 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 3215 GULF CITY ROAD?+
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 $3,250,000, this home is listed about 829% above 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
01Positioned at the premium end
$3,250,000 runs 829% above the Ruskin median — but at 8,769 sqft it's also nearly 5 times 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
297 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $3,450,000, now $3,250,000 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GULF SHORES REALTY ERA POWERED LLC · Carina Galati. MLS #TB8429656.
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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