3203 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active142 days on marketListed Feb 28, 2026MLS #TB8481512
About this home
3203 W SHELL POINT ROAD
A very unique property. Zoned CN with many possible uses. 100 feet of water access and a 5 to 10 minutes boat ride to Tampa Bay. Permitted for a boat dock. In a highly sought after area in Ruskin by Little Harbor.
Facts & features
The home at a glance
0.22 ac
Lot size
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.
$3,031 /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
$3,031/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.
Where it sits
Inside Ruskin
Drive times from this address
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33570 — neighborhood snapshot
Population
33,676
Median age
36.7
Median income
$69,048
Median home value
$255,400
Avg household
2.86
Households w/ children
4,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3203 W SHELL POINT ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$245,000
106 W NORTH BRANCH ROAD
2 bd · 1 ba · 780 sqft · $314/sqft · 24 DOM
Sold · May ’26$110,000
1021 CANAL STREET
3 bd · 1 ba · 816 sqft · $135/sqft · 121 DOM
Sold · May ’26$160,000
119 18TH STREET NW
2 bd · 1 ba · 1,028 sqft · $156/sqft · 309 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 3203 W SHELL POINT ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3203 W SHELL POINT 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
3203 W SHELL POINT ROAD FAQs
What would the monthly payment be for 3203 W SHELL POINT ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,031/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 3203 W SHELL POINT ROAD?+
The most recent tax bill on record (2024) was $5,971. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $375,000, this home is listed about 7% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 3203 W SHELL POINT ROAD?+
Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$375,000 runs 12% above the RUSKIN 33570 median.
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
142 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 THIS SOLD HOUSE REALTY INC. · Peter Schwarz. MLS #TB8481512.
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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