3036 CHRISTOPHERS WATCH LANE, RUSKIN, FL, 33570
Active10 days on marketListed Jul 24, 2026MLS #TB8530814
About this home
3036 CHRISTOPHERS WATCH LANE
2020 Custom Built Home on Prime 133’ Waterfront Lot with 17,000lb Boat Lift and 65’ Floating Dock on Deep Saltwater Canal with Gulf Access in the private enclave of South Shore Yacht Club! 3 Bedroom Plus Den, 3 Car-Garage, 2.5 Bathroom, Loft with 2nd Floor Balcony, Elevator, Designer Upgrades and More! Features and Upgrades Include: 17,000lb Dock with 30amp Power and Water, 65' Floating Dock, Elevator, Split Garage, GE Profile Appliance Suite with wall-mounted convection oven, cooktop, microwave/oven combo, and range hood, Custom 9'x7.5' Kitchen Island, Wood Laminate Flooring, Natural Lighting Throughout, 12' Ceilings, 8' Doors, covered lanai with a fully equipped outdoor kitchen, 2nd floor loft and balcony overlooking beautiful marina, community with Cable, Internet and Phone all included! Southshore Yacht Club is an exclusive, luxury residence, gated community just a few miles by boat on beautiful Tampa Bay to the Gulf of Mexico. Amenities include Resort Style Pool, Fitness Center, Clubhouse, Golf Cart Paths, Pickleball Court, 2 Restaurants, 2 Marinas, Beach Area and more! Enjoy the lifestyle of your dreams...beach, boating, fishing all nearby including Shell Key, Bunce's Pass, Egmont Key, Passage Key, John's Pass, Beer Can Island, Apollo Beach and more! Call Today for more details and your Private Tour!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,807
Sqft
0.24 ac
Lot size
3
Garage
2020
Year built
Two
Levels
$338
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.
$7,270 /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
$7,270/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
+37.6%
$/sqft vs Ruskin actives
$338 vs $181
Days on market
10 vs 51 typical
Where $338/sqft sits among the 276 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)
153 of 276
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 172% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3036 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 · Jul ’26$1,475,000
3005 CHRISTOPHERS WATCH LANE · same community
3 bd · 2.5 ba · 2,807 sqft · $525/sqft · 63 DOM
Sold · Dec ’25$1,007,000
1032 SEAGRAPE DRIVE · same community
4 bd · 3 ba · 2,868 sqft · $351/sqft · 64 DOM
Sold · Feb ’26$945,000
3122 CHRISTOPHERS WATCH LANE · same community
4 bd · 3.5 ba · 2,913 sqft · $324/sqft · 236 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 3036 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 3036 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
3036 CHRISTOPHERS WATCH LANE FAQs
What would the monthly payment be for 3036 CHRISTOPHERS WATCH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,270/mo — principal and interest, the actual property-tax bill, the $140/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 3036 CHRISTOPHERS WATCH LANE?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3036 CHRISTOPHERS WATCH LANE?+
The most recent tax bill on record (2025) was $17,857. 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 3036 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 $949,999, this home is listed about 172% 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
$949,999 runs 172% above the Ruskin median — but at 2,807 sqft it's also 50% 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 $999,999, now $949,999 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE REALTY GROUP LLC · Carlos Pinedo. MLS #TB8530814.
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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