
3215 GULF CITY ROAD, RUSKIN, FL, 33570
Active166 days on marketListed Feb 17, 2026MLS #TB8469293
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
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
166 vs 51 typical
Where $371/sqft sits among the 277 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)
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
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
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.
Keep looking
Similar homes nearby
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.
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