3325 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active76 days on marketListed May 8, 2026MLS #TB8506705
About this home
3325 W SHELL POINT ROAD
Virtually Staged. Nestled along a serene canal with direct access to the beauty of Tampa Bay, this exceptional waterfront retreat at 3325 W Shell Point Road offers the ultimate Florida lifestyle with unparalleled peace of mind. The property has been meticulously updated for modern comfort, featuring a brand-new HVAC and AC system installed in 2025, a durable new roof from 2021, and a dedicated mini-split in the primary bedroom for personalized climate control. Outdoor living is the centerpiece of this home, highlighted by a stunning, brand-new dock completed in 2025 that includes an integrated bait well for effortless fishing right from your backyard. The expansive lot is anchored by a magnificent, mature mango tree that provides both a lush canopy of shade and a bountiful harvest of fresh fruit each season. With no HOA or CDD restrictions, this turnkey oasis combines structural integrity with premier coastal amenities, making it a rare find for boaters, anglers, and those seeking a private tropical sanctuary in the heart of Ruskin.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,580
Sqft
0.26 ac
Lot size
1958
Year built
One
Levels
$284
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 — not generic estimates.
$3,652 /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
$3,652/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
+26%
Days on market
76 vs 51 typical
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)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
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 3325 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 3325 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
3325 W SHELL POINT ROAD FAQs
What would the monthly payment be for 3325 W SHELL POINT ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,652/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 3325 W SHELL POINT ROAD?+
The most recent tax bill on record (2025) was $7,807. 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 $449,000, this home is listed about 28% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$449,000 runs 28% above the Ruskin median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $499,000, now $449,000 — a $50K cut. The full history is in the market section below.
Listing courtesy of SOUTH CEDAR REAL ESTATE, INC · Marissa Danzi. MLS #TB8506705.
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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