611 DESTINY DRIVE UNIT 501, RUSKIN, FL, 33570
Active274 days on marketListed Oct 24, 2025MLS #TB8438567
About this home
611 DESTINY DRIVE UNIT 501
Step into paradise with this first-floor, fully furnished waterfront studio perfectly positioned in the sought-after Little Harbor Resort. Enjoy the perks of a true Florida resort lifestyle with access to a deep-water marina, sparkling pool, tennis and pickleball courts, fitness center, private beach and on-site restaurants. Little Harbor is a serene, gated community known for its blend of relaxation and recreation — a coastal gem designed for comfort and connection. Whether you’re searching for a vacation getaway, winter escape, or income-generating investment, this condo offers flexible ownership — live here for 6 months and rent it out for the other 6! It’s the perfect balance of personal enjoyment and financial opportunity. This condo unit is tastefully furnished and wheelchair accessible, combining coastal charm with practical comfort, making it ideal for all lifestyles. Worry-Free Ownership: Enjoy new HVAC (2022), roof insurance, and an HOA that covers utilities, cable, internet, and garbage — giving you the peace of mind to simply relax and enjoy the view. From Tampa’s vibrant city life to local golf courses, shopping, nature parks, and waterfront dining, every day brings new adventures. This is your opportunity to own a slice of paradise at an unbeatable value. Come explore today and turn your waterfront dream into a reality!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
464
Sqft
1970
Year built
One
Levels
$409
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.
$1,625 /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
$1,625/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
+26.4%
$/sqft vs ISLAND RESORT AT MARINERS CLUB
$409 vs $419
Days on market
274 vs 51 typical
Where $409/sqft sits among the 7 homes for sale in ISLAND RESORT AT MARINERS CLUB
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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,195/mo median
Live Ruskin rental listing data — this home’s rate depends on size, condition and furnishing.
The Englewood short-term market
▼ Softening44%
Occupancy
▼ 20% yr/yr
$262
Avg nightly rate
▲ 23% yr/yr
$25K/yr
Revenue per listing
$128
RevPAR
62 days
Booking lead time
7.5 nights
Avg stay
6
Typical min nights
525
Active rentals
▲ 30% supply
Seasonality — monthly occupancy
Peaks at 66% in Feb · bottoms at 28% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Englewood — the projection above is specific to this home’s size.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full guide →
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
2 of 7
ISLAND RESORT AT MARINERS CLUB have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 611 DESTINY DRIVE UNIT 501
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$155,000
611 DESTINY DRIVE UNIT 519 · same community
1 bd · 1 ba · 464 sqft · $334/sqft · 48 DOM
Sold · Mar ’26$102,000
611 DESTINY DRIVE UNIT 520 · same community
1 bd · 1 ba · 464 sqft · $220/sqft · 101 DOM
Sold · Nov ’25$95,000
611 DESTINY DRIVE · same community
1 bd · 1 ba · 464 sqft · $205/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 611 DESTINY DRIVE UNIT 501 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 611 DESTINY DRIVE UNIT 501 — 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
611 DESTINY DRIVE UNIT 501 FAQs
What would the monthly payment be for 611 DESTINY DRIVE UNIT 501?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,625/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 611 DESTINY DRIVE UNIT 501?+
The most recent tax bill on record (2024) was $3,144. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 611 DESTINY DRIVE UNIT 501 be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 611 DESTINY DRIVE UNIT 501?+
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 $190,000, this home is listed about 46% below 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
01Under the Ruskin market on paper
$190,000 is 46% below the Ruskin median of $349,850.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Time on market is leverage
274 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 CHARLES RUTENBERG REALTY INC · Barbara Barco. MLS #TB8438567.
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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