465 BAHIA BEACH BOULEVARD, RUSKIN, FL, 33570
Active223 days on marketListed Dec 14, 2025MLS #TB8455576
About this home
465 BAHIA BEACH BOULEVARD
Experience resort-style waterfront living in the desirable Little Harbor community! This spacious 3-bedroom, 3-bathroom townhome offers a comfortable and versatile layout, ideal for full-time living, vacation use, or short-term rental income. Enjoy water views overlooking the marina from your private balconies, providing a peaceful setting to relax and take in the coastal lifestyle. Located within close proximity to community amenities, this property offers both convenience and an inviting atmosphere for guests and owners alike. Little Harbor is known for its unique blend of amenities, including a private beach with stunning sunset views over Tampa Bay, a community pool, and a full-service marina with options for boat and jet ski rentals. Waterfront dining is just steps away at Hooks Bar & Grill and Sunset Grill. Important Disclosure (Updated as of March 31, 2026): The seller has submitted an application for a potential private dock, which is currently under review with the appropriate authorities. The dock is not approved, not permitted, and not constructed. Approval is not guaranteed. Buyers are strongly encouraged to conduct their own independent due diligence with the county and all applicable regulatory agencies to verify the status, requirements, timelines, and feasibility prior to purchase. With its strong income potential, desirable location, and access to resort-style amenities, this property presents an outstanding opportunity in one of Tampa Bay’s most popular waterfront communities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,593
Sqft
0.06 ac
Lot size
2
Garage
2006
Year built
Three Or More
Levels
$286
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.
$4,335 /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
$4,335/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.
$/sqft vs Ruskin actives
$286 vs $178
Days on market
223 vs 51 typical
Where $286/sqft sits among the 287 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)
162 of 287
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 465 BAHIA BEACH BOULEVARD
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$285,000
603 BAHIA BEACH BOULEVARD · same community
2 bd · 1.5 ba · 1,110 sqft · $257/sqft · 0 DOM
Sold · Dec ’25$285,000
603 BAHIA BEACH BOULEVARD · same community
2 bd · 1.5 ba · 1,110 sqft · $257/sqft · 20 DOM
Sold · Sep ’25$306,000
459 BAHIA BEACH BOULEVARD · same community
2 bd · 1.5 ba · 1,110 sqft · $276/sqft · 7 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 465 BAHIA BEACH BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 465 BAHIA BEACH BOULEVARD — 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
465 BAHIA BEACH BOULEVARD FAQs
What would the monthly payment be for 465 BAHIA BEACH BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,335/mo — principal and interest, the actual property-tax bill, the $751/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 465 BAHIA BEACH BOULEVARD?+
The association fee works out to $751 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 465 BAHIA BEACH BOULEVARD?+
The most recent tax bill on record (2024) was $6,533. 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 465 BAHIA BEACH BOULEVARD?+
The listing reports pets: Cats OK, Dogs OK. 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 $455,000, this home is listed about 30% above 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
01Positioned at the premium end
$455,000 runs 30% above the Ruskin median.
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 $751/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
223 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 $525,000, now $455,000 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Michael Simpkins. MLS #TB8455576.
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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