611 DESTINY DRIVE UNIT 204, RUSKIN, FL, 33570
Active46 days on marketListed Jun 11, 2026MLS #TB8516719
About this home
611 DESTINY DRIVE UNIT 204
Visit the beach from out your front door every day of the week or enjoy a great investment property. This is your excellent opportunity to own a spectacular waterfront condominium located in Little Harbor. It is known for its tranquil, natural beauty along with plenty of recreational amenities. Occupants can experience resort-style living with two heated swimming pools, a playground, a fitness center, and tennis/pickleball courts. You will find so much to do while staying here! There is a beach front tiki bar, restaurants, beach front seating with fantastic sunsets and live music weekly to meet your social lifestyle. In addition, canoeing and kayaking are available for nature enthusiasts! Larger boating fanatics will appreciate the nearby deep-water marina with the ability to rent high & dry boat storage or optionally join the Freedom Boat Club. This cozy furnished unit is on the second floor and just a few steps to the pool which faces Tampa Bay. This offers an open floor plan living area. New air conditioner. Perfect for relaxing with a private balcony where you can view Tampa Bay with its amazing sunsets. Excellent location within easy driving distance for all of Tampa Bay and Sarasota with restaurants, shopping centers, golf courses, hospitals and much more!
Facts & features
The home at a glance
0
Bedrooms
1
Bathrooms
308
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$419
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.
$1,305 /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
$1,305/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.
$/sqft vs ISLAND RESORT AT MARINERS CLUB
$419 vs $416
Days on market
46 vs 51 typical
Where $419/sqft sits among the 7 homes for sale in ISLAND RESORT AT MARINERS CLUB
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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,195/mo median
Live Ruskin rental listing data — this home’s rate depends on size, condition and furnishing.
The Englewood short-term market
▼ Softening44%
Occupancy
▼ 20% yr/yr
$262
Avg nightly rate
▲ 23% yr/yr
$25K/yr
Revenue per listing
$128
RevPAR
62 days
Booking lead time
7.5 nights
Avg stay
6
Typical min nights
525
Active rentals
▲ 30% supply
Seasonality — monthly occupancy
Peaks at 66% in Feb · bottoms at 28% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Englewood — the projection above is specific to this home’s size.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full guide →
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
2 of 7
ISLAND RESORT AT MARINERS CLUB have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 611 DESTINY DRIVE UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$122,000
611 DESTINY DRIVE UNIT 210 · same community
1 bd · 1 ba · 308 sqft · $396/sqft · 341 DOM
Sold · Jul ’26$130,000
611 DESTINY DRIVE UNIT 308 · same community
1 bd · 1 ba · 355 sqft · $366/sqft · 98 DOM
Sold · Mar ’26$135,000
611 DESTINY DRIVE UNIT 304 · same community
1 bd · 1 ba · 445 sqft · $303/sqft · 42 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 611 DESTINY DRIVE UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 611 DESTINY DRIVE UNIT 204 — 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
611 DESTINY DRIVE UNIT 204 FAQs
What would the monthly payment be for 611 DESTINY DRIVE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,305/mo — principal and interest, the actual property-tax bill, the $115/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 611 DESTINY DRIVE UNIT 204?+
The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 611 DESTINY DRIVE UNIT 204?+
The most recent tax bill on record (2025) was $2,558. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 611 DESTINY DRIVE UNIT 204 be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 611 DESTINY DRIVE UNIT 204?+
The listing reports pets: Number 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 $129,000, this home is listed about 63% below 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
01Under the Ruskin market on paper
$129,000 is 63% below the Ruskin median of $349,850.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Water views
The water view is part of what you're buying — views hold value independently of the structure.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Jeffrey Crow. MLS #TB8516719.
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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