3028 CHRISTOPHERS WATCH LANE, RUSKIN, FL, 33570
Active76 days on marketListed May 21, 2026MLS #TB8510723
About this home
3028 CHRISTOPHERS WATCH LANE
Welcome to 3028 Christophers Watch Lane, a 2021-built waterfront residence in SouthShore Yacht Club, where refined coastal design meets the ease of a private boating lifestyle. With approximately 3,039 square feet, 3 bedrooms, 3 full baths, 1 half bath, and a 3-car garage, this tri-level home offers a sophisticated blend of luxury finishes, open living space, and seamless indoor-outdoor living in one of Ruskin’s signature waterfront communities. Set within SouthShore Yacht Club, the home is positioned to appeal to buyers seeking elevated waterfront living with a strong sense of place. The community is known for its coastal architecture, gated setting, marina access, clubhouse, pool, fitness center, and water-oriented lifestyle that supports both full-time living and a second-home retreat experience. For boating enthusiasts, SouthShore Yacht Club is designed around life on the water, with an onsite marina and access to Tampa Bay. Community materials and prior listing data highlight waterfront amenities that include marina services, a clubhouse, a swimming pool, a fitness center, and outdoor gathering spaces—creating the kind of resort-style environment that makes everyday living feel like a private coastal getaway. Beyond the home itself, the lifestyle is a major part of the offering: mornings on the water, afternoons at the marina or clubhouse, and evenings spent entertaining against a waterfront backdrop. The result is a property that speaks to buyers who value luxury, leisure, and the everyday convenience of living in a boating community with resort-style amenities. Inside, the home is tailored for both comfort and presentation, with an open layout, elevated ceiling detail, large sliding doors, and a design aesthetic that captures a relaxed yet upscale coastal feel. The overall effect is warm, polished, and highly functional for daily living or entertaining. Approx. 3,039 square feet with 3 bedrooms, 3 full baths, and 1 half bath, Tri-level layout with a 3-car garage, Waterfront orientation with marina and partial bay/harbor view, Outdoor kitchen, balcony, and expansive outdoor living areas, GE Profile kitchen appliances, tankless water heater, and water filtration system, Tile roof, block/stucco construction, and impact-rated windows/doors, Elevator access, custom storage, and motorized screens/blinds. The home’s exterior presents a coastal-inspired façade complemented by a paver driveway, tile roof, and a split 3-car garage configuration. Prior property details also reference block/stucco construction, impact-rated windows and doors, radiant barrier insulation, a tankless water heater, and epoxy-finished garage flooring. Custom storage elements in the garage add everyday practicality to the home’s luxury presentation. Schedule your exclusive showing today.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,182
Sqft
0.2 ac
Lot size
3
Garage
2021
Year built
Two
Levels
$526
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.
$11,389 /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
$11,389/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.
vs edgeAI estimate
+24.7%
$/sqft vs Ruskin actives
$526 vs $178
Days on market
76 vs 53 typical
Where $526/sqft sits among the 275 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
$315K → $330K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
151 of 275
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 379% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3028 CHRISTOPHERS WATCH LANE
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$1,289,000
3034 CHRISTOPHERS WATCH LANE · same community
4 bd · 3.5 ba · 2,962 sqft · $435/sqft · 16 DOM
Sold · Feb ’26$945,000
3122 CHRISTOPHERS WATCH LANE · same community
4 bd · 3.5 ba · 2,913 sqft · $324/sqft · 236 DOM
Sold · Dec ’25$1,007,000
1032 SEAGRAPE DRIVE · same community
4 bd · 3 ba · 2,868 sqft · $351/sqft · 64 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 3028 CHRISTOPHERS WATCH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3028 CHRISTOPHERS WATCH LANE — 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
3028 CHRISTOPHERS WATCH LANE FAQs
What would the monthly payment be for 3028 CHRISTOPHERS WATCH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,389/mo — principal and interest, the actual property-tax bill, the $145/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 3028 CHRISTOPHERS WATCH LANE?+
The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3028 CHRISTOPHERS WATCH LANE?+
The most recent tax bill on record (2025) was $17,011. 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 3028 CHRISTOPHERS WATCH LANE?+
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 $1,675,000, this home is listed about 379% above the Ruskin median of $349,800. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,675,000 runs 379% above the Ruskin median — but at 3,182 sqft it's also 65% larger than 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.
03The price has already moved
Listed at $1,699,900, now $1,675,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Yulia Olivo Duran. MLS #TB8510723.
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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