609 BAHIA BEACH BOULEVARD, RUSKIN, FL, 33570
Active136 days on marketListed Mar 11, 2026MLS #TB8485349
About this home
609 BAHIA BEACH BOULEVARD
Welcome to 609 Bahia Beach Blvd in the scenic, resort-style community of Little Harbor. This 3-bedroom, 3-bathroom waterfront townhome offers approximately 1,417 square feet of living space and showcases expansive water views of the canal from multiple balconies. Built in 2006 and meticulously maintained as an owner-occupied residence, this property has never been rented and is move-in ready. The home features an open, flowing floor plan with abundant natural light and a comfortable layout ideal for everyday living or entertaining. Relax and enjoy the Florida lifestyle with direct access to waterfront views, beaches, and outdoor amenities. The community of Little Harbor is known for its beach, marina, community pool, fitness center, tennis and pickleball courts, clubhouse, playground, and boat launch facilities, all enhancing the coastal living experience. Residents also enjoy close proximity to waterfront dining, shopping, and recreation. A 2020 A/C replacement provides added peace of mind. Situated in Ruskin, Florida, this property offers a true Florida waterfront lifestyle with easy access to the Tampa Bay area, including St. Petersburg, and Sarasota. Don’t miss the opportunity to own a beautifully maintained townhome with stunning water views and exceptional community amenities. Immediate rental opportunities make this home ideal as a primary residence, vacation getaway, or investment property.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,417
Sqft
0.05 ac
Lot size
1
Garage
2006
Year built
Two
Levels
$275
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.
$4,146 /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
$4,146/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
−15.3%
$/sqft vs Ruskin actives
$275 vs $178
Days on market
136 vs 51 typical
Where $275/sqft sits among the 288 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 288
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 609 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 609 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 609 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
609 BAHIA BEACH BOULEVARD FAQs
What would the monthly payment be for 609 BAHIA BEACH BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,146/mo — principal and interest, the actual property-tax bill, the $800/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 609 BAHIA BEACH BOULEVARD?+
The association fee works out to $800 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 609 BAHIA BEACH BOULEVARD?+
The most recent tax bill on record (2025) was $8,687. 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 609 BAHIA BEACH BOULEVARD?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit. 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 $389,000, this home is listed about 11% 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
$389,000 runs 11% 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 $800/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
136 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 $449,000, now $389,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOUTH CEDAR REAL ESTATE, INC · Marissa Danzi. MLS #TB8485349.
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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