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

3215 GULF CITY ROAD, RUSKIN, FL, 33570

Active166 days on marketListed Feb 17, 2026MLS #TB8469293

Reduced $200KWaterfrontPrivate poolTriplexLOST RIVER PRESERVE PH I

About this home

3215 GULF CITY ROAD

Rare destination waterfront property offering a unique blend of luxury accommodations, event-ready gathering spaces, and hospitality potential across over 2.25 acres in the exclusive Lost River Preserve community. Spanning four addresses with over 300 feet of water frontage, including a separate parcel pre-plumbed for future development, this one-of-a-kind estate presents exceptional flexibility for expansion, guest accommodations, executive retreats, wellness experiences, seasonal rentals, corporate gatherings, multi-generational/family events, and evolving hospitality opportunities. Designed to accommodate larger groups while preserving privacy and comfort, the property encompasses nearly 6,700 square feet across two distinct yet connected residences joined by a central foyer. Multiple living areas, two full kitchens, private suites, dedicated offices, and expansive gathering spaces create a versatile setting capable of serving a variety of residential, hospitality, and retreat-oriented uses. The primary living areas and suites were positioned to embrace the waterfront setting, with soaring ceilings, walls of glass, and panoramic lake views creating a memorable guest experience. Constructed with poured concrete tilt walls, impact-rated windows and doors, a Galvalume aluminum tile-look roof, and situated high and dry in Flood Zone X, the property offers durability and peace of mind for owners and guests alike. Outdoor amenities rival those of a private resort, featuring a custom saltwater pool with sun shelf, 9-person spa, outdoor kitchen, expansive screened lanai, covered boat dock with ski boat hoist and filleting station, secondary dock for kayaks and paddleboards, and breathtaking sunset views across the water. Further enhancing the property's versatility, the detached villa provides approximately 1,200 square feet with a full kitchen and private accommodations, creating opportunities for guest lodging, caretaker housing, executive stays, or owner occupancy. A three-bay garage offers ample storage for boats and recreational equipment. Adjacent to the villa, an approximately 800-square-foot waterfront gathering space with full bath and private screened lanai is ideally suited for executive retreats, wellness experiences, family reunions, extended-stay guests, and other hospitality-oriented opportunities. The inclusion of four separate addresses, multiple residential structures, dedicated gathering spaces, and a future homesite creates a scale and versatility rarely available in a single waterfront offering. Set within the breathtaking 900-acre Lost River Preserve community, visitors 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. Located just 35 minutes from Downtown Tampa and within reach of Tampa International Airport, fine dining, luxury shopping, professional sports, and world-class entertainment, the property offers a rare balance of seclusion and accessibility. Whether envisioned as a hospitality destination, executive retreat, wellness venue, seasonal rental opportunity, family reunion compound, or private waterfront estate, this remarkable property offers a level of flexibility rarely found in the Tampa Bay market.

Facts & features

The home at a glance

7

Bedrooms

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
ParkingBath In Garage · Boat · Circular Driveway · Driveway · Garage Faces Side · Ground Level · Oversized · RV 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

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

166 vs 51 typical

Where $371/sqft sits among the 277 Ruskin actives

128
78
23
15
11
22 · 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)

153 of 277

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
Feb 17, 2026Listed at $3,450,000 · 166 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

166 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 #TB8469293.

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.

Never miss a listing

New Ruskin homes, in your inbox

Like 3215 GULF CITY ROAD but not quite? A daily digest of every new listing in Ruskin — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 3, 2026 at 3:21 AM UTC. The listing information on this page last changed on August 3, 2026 at 3:21 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 3, 2026 at 3:21 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 3, 2026 at 3:21 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.