David Ramirez
$3,250,000$3,450,0007 bd8.5 ba8,769 sqft$371 /sqft$20,093 /mo all-in ↓

3215 GULF CITY ROAD, RUSKIN, FL, 33570

Active297 days on marketListed Oct 9, 2025MLS #TB8429656

Reduced $200KWaterfrontPrivate poolSingle Family ResidenceLOST RIVER PRESERVE PH I

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

Private poolWaterfrontPark/Greenbelt & Trees/Woods & Water viewNegotiablePets allowed

Inside

FlooringCeramic Tile · Engineered Hardwood · Porcelain Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Exhaust Fan · Gas Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Water Filtration System · Water Purifier · Water Softener
InteriorAccessibility Features · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · L Dining · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryCorridor Access · Inside · Laundry Room
CoolingCentral Air · Humidity Control · Zoned
HeatingCentral · Electric · Propane
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionConcrete · Stucco · Tilt up Walls
FoundationStem Wall
ViewPark/Greenbelt · Trees/Woods · Water
FacesEast
ParkingBath In Garage · Boat · Circular Driveway · Driveway · Garage Faces Side · Ground Level · Oversized · RV Garage · Split Garage
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Sliding Doors

Community & fees

HOA fee$75/mo
Taxes (2024)$13,234/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Private Boat Ramp · Water Access · Waterfront

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Fiber Optics · Phone Available · Propane · Underground Utilities · Water Connected
WaterWell · Well Required

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%

Principal & interest$17,537
PMI (est., until 20% equity)$1,219
Property tax — 2024 actual bill$1,103
HOA fee — from the listing$75
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $325,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $325,000
Interest rate6.00%
Loan term

Estimated payment

$20,093/mo

Principal & interest$17,537
PMI (est., until 20% equity)$1,219
Property taxes (actual bill)$1,103
HOA / condo fee$75
Est. insurance$160

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

128
78
23
15
11
21 · this home
$129–177$177–225$225–272$272–320$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 3215 GULF CITY ROAD

Drive times from this address

Downtown Tampa40 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)

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

CurrentPrice reduced to $3,250,000 $200K
Oct 9, 2025Listed at $3,450,000 · 297 days on market since
2011Built · LOST RIVER PRESERVE PH I

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.

3319 GULF CITY ROADSold · Dec ’25

$975,000

3319 GULF CITY ROAD · same community

5 bd · 4 ba · 3,422 sqft · $285/sqft · 238 DOM

3441 GULF CITY ROADSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3215 GULF CITY 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 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.

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.

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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