Homes for Sale Between $400,000 to $450,000 in Ruskin, FL

4 Beds ⋅ 3 Baths ⋅ Mira Lago West Ph 2b SubDv.

Welcome to this four-bedroom, three-bathroom gorgeous home, located in the wonderful gated community of Mira Lago. With more than 3,000 square feet of living space plus a three-car garage, can you say upgrades upgrades upgrades… New roof in 2024, and Hurricane resistant windows in Master suite and Loft area. This beauty comes with a tankless water heater and HVAC system that was replaced in 2022. This is the house you’ve been looking for., this is the cozy lakefront property you’ve been looking for. The majority of your living area is on the ground floor, so you won’t need the stairs unless you’re taking advantage of the big loft upstairs, which is currently being utilized as a full functional gym. Upon entering the home you have a large, living room and dining room combination. Laminate flooring through-out the lower-level living space. The heart of the home is the open concept kitchen and family room. The kitchen and bathrooms have granite countertops, LG stainless steel appliances, an eat-in area and a big breakfast bar centered in the middle of the kitchen. Just off the kitchen is the laundry room with above head wood storage cabinets along with wired storage racks. Laundry room includes beautiful Maytag top loading washing machine, and Maytag front loading dryer both XL capacity. The kitchen also has access to the three-car garage, so you can walk right in with your groceries. The family room has sliding glass doors leading to the covered patio overlooking the beautiful lake–great for outdoor living. You have the privacy of no rear neighbors and completely fenced-in backyard. The bedrooms are laid out in a three-way split plan. Two guest bedrooms large enough to fit Queen sized beds; and a full guest bathroom with bathtub are located off the family room. In one corner of the house you have a junior master suite that faces the rear of the home, complete with its own private, full bathroom and private entrance perfect for “mother in law suite” The master bedroom is on the other corner. It has two walk-in closets, and the large master bathroom features a garden tub, separate shower stall and dual sinks. Living in Mira Lago offers many great amenities including a community pool, basketball court, and clubhouse for your use. Come make this home yours today!

433 York Dale Drive, Ruskin

$450,000

4 Beds ⋅ 3 Baths ⋅ Mira Lago West Ph 2a SubDv.

BRAND NEW PRICE!! New roof being installed in the next week or so. Are you looking for a home where you can enjoy the Florida weather year round? House faces West and this allows you the morning sunrises on the patio and plenty of afternoon shade. This is a gorgeous 4 bedroom, 3 bathroom, 3 car garage, WATERFRONT home in the GATED community of Mira Lago waiting for its new owners. This home is move in ready home with a LARGE, BEAUTIFUL LANAI area that has 60 feet of lakefront on a 65 acre lake. As you enter the home, there is a large front room and a grand entryway. The living space of the home is open and inviting. This tasteful kitchen features travertine floors, corian counter tops, stainless steel appliances, a closet pantry, breakfast bar, and island with gorgeous granite countertop. There is a dining nook in the kitchen with wainscot walls and updated lighting. The laundry room is conveniently off the kitchen and has extra storage. The master bedroom and 4th bedroom both sit at the back of the house with their own private bathrooms. The master bedroom has his and her closets, double sinks, a garden tub, brand newer lights, and a separate toilet room. Bedrooms 2 and 3 share a full bathroom. The large, upstairs bonus room can be used as an office, bedroom, man cave, play room, or media room and also has great LAKE VIEWS.The lanai area is HUGE and features an outdoor CUSTOM WOOD BURNING FIREPLACE and gorgeous views of the lake. Enjoy your evening meal here each day. Mira Lago is a well kept, safe, friendly community minutes to Tampa, St. Pete, Manatee County, area beaches, and many other amenities. The community has a heated pool, plenty of lakes/ ponds with fountains, basketball court and playground.

1742 Mira Lago Circle, Ruskin

$404,900

4 Beds ⋅ 3 Baths ⋅ Mira Lago West Ph 2b SubDv.

Located in the gated Mira Lago West section of Ruskin, this 4 bedroom, 3 full bath home offers 3,038 sqft, a 3 car garage, and a seller credit of up to $17,208 toward buyer closing costs, prepaid expenses, and/or an interest rate buydown when using Seller’s preferred lender. The flexible floor plan includes an upstairs loft and a split-bedroom layout, with the primary suite privately positioned at the rear of the home and three secondary bedrooms on the opposite side.The kitchen has granite counters, wood cabinets, an island, breakfast bar, and pantry, opening to the family room and covered patio. A separate living and dining area, breakfast nook, and inside laundry room add more usable space on the first floor. The primary suite includes two walk-in closets, dual sinks, a garden tub, and a separate tiled shower. Tile and LVP flooring run throughout with no carpet. 2026 updates include two new A/C systems, fresh interior paint, new LED lighting, new bathroom fixtures and faucets, new smoke detectors, refreshed landscaping with irrigation, with roof replacement and exterior paint planned pending HOA approval. Out back, the covered patio and vinyl fenced yard offer private outdoor space, with I-75, E.G. Simmons Park, Little Harbor, shopping, dining, and Gulf Coast recreation nearby. Incentive is subject to lender approval, loan program restrictions, and terms outlined in the executed contract.

432 York Dale Drive, Ruskin

$449,000

3 Beds ⋅ 3 Baths ⋅ Bahia Beach Townhomes Phase 1a SubDv.

Experience waterfront resort-style living year-round in the highly sought-after Little Harbor community! This beautifully furnished 3-bedroom, 3-bath townhome with a 1-car garage offers breathtaking views of both the marina and canal, creating the perfect coastal retreat. Designed for comfort and relaxation, the home features an open floor plan with ceramic tile and carpet throughout, granite countertops in the kitchen and bathrooms, and a fully stocked kitchen with elegant white glass-paneled cabinetry. The spacious living room and primary suite both showcase wall-to-wall sliding glass doors that open to private balconies overlooking the water, allowing you to enjoy stunning sunsets and refreshing bay breezes. Each bedroom features its own private balcony, while the primary suite offers soaring cathedral ceilings and a private en-suite bath. A washer and dryer are included for your convenience, along with a garage, covered ground-level patio, and a separate locked storage room. HOA fee includes water, basic cable, internet, trash removal, and grounds maintenance, making for truly carefree living. Residents enjoy access to Little Harbor's exceptional resort amenities, including two heated swimming pools, a hot tub, fitness center, tennis courts, basketball court, shuffleboard, horseshoe pits, playground, kayak and paddleboard launch area, and both private and public beaches along Tampa Bay. The community also features two full-service marinas, waterfront restaurants, a tiki bar, fishing charters, boat and jet ski rentals, and a hotel for visiting guests. A boater's paradise, Little Harbor provides direct access to Tampa Bay and the Gulf of Mexico with no bridges or lifts. Conveniently located near EG Simmons Park, Apollo Beach Nature Preserve, the Manatee Viewing Center, Little Manatee River State Park, Camp Bayou Nature Preserve, shopping, dining, hospitals, and golf courses, with easy access to Tampa, St. Petersburg, and Sarasota.

447 Bahia Beach Boulevard, Ruskin

$425,000

5 Beds ⋅ 3 Baths ⋅ Shell Cove Ph 1 SubDv.

Welcome to this beautifully upgraded 5-bedroom, 3-bathroom home located in the desirable Shell Cove community of Ruskin. Built in 2020, this spacious two-story residence offers over 2,400 square feet of thoughtfully designed living space featuring an open-concept floor plan, a versatile loft, and a large upstairs owner’s suite with walk-in closet and dual-sink vanity. The modern kitchen overlooks the living and dining areas and includes solid surface countertops, upgraded appliances, ample cabinetry, and under-cabinet LED lighting. Recent enhancements include laminate flooring upstairs, custom built-ins, remodeled pantry storage, upgraded fixtures, fresh interior paint, solar-tinted windows, and a whole-home water filtration and softener system. Step outside to enjoy a fully fenced backyard with pond views, mature landscaping, screened patio enclosure, garden area, and paver patio—perfect for entertaining or relaxing outdoors. Additional features include a solar power system ( WITH A AVERAGE TECO BILL OF 14$ !!! with battery backup, irrigation system, attached 2-car garage, and smart home upgrades. Shell Cove amenities include a community pool, playground, basketball court, walking trails, and dog park, all conveniently located near shopping, dining, schools, hospitals, and easy access to Tampa Bay. (SOLAR POWER SYSTEM WILL BE ASSUMED BY BUYER AS A SEPARATE LOAN (39K BALANCE ) APPROXIMATELY 240 $ A MONTH)

440 Olive Conch Street, Ruskin

$425,000

3 Beds ⋅ 2 Baths ⋅ Shell Point 1st Add To SubDv.

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.

3325 W Shell Point Road, Ruskin

$446,000

4 Beds ⋅ 4 Baths ⋅ Bahia Beach Twnhms Ph 2 SubDv.

Welcome to 3202 Mangrove Point Drive, where investment opportunity meets effortless coastal living in the waterfront community of Little Harbor. This RARE 4-bedroom END-unit townhome stands out from the rest, offering extra privacy, abundant natural light, and a flexible layout designed for both personal enjoyment and income potential. A main-level bedroom and full bath create the perfect setup for guests, while the upper level features three additional bedrooms, each with its own private balcony terrace, inviting in the coastal breeze and water views. Offered fully furnished and completely turnkey, this property is already operating as a successful short-term rental - ready to generate income from day one. Thoughtfully equipped with everything guests love, including furniture, TVs, 8 bicycles, and two golf carts, it delivers a seamless experience for both owners and visitors. Whether you're targeting Airbnb revenue or looking for a personal escape, this home checks every box with low-maintenance ownership and high guest appeal. Beyond your front door, the lifestyle truly comes to life. Residents and guests enjoy access to a private fishing pier, a white sandy beach, multiple waterfront dining options, resort-style pools, a marina with direct access to the Bay and Gulf (no bridges), and endless ways to stay active - from tennis and pickleball to kayaking along scenic waterways often visited by dolphins and manatees. Sunset views from the private pier, days spent on the water, and evenings at the tiki bar create a vacation-like atmosphere year-round. Perfectly positioned for convenience, you're within easy reach of Tampa's vibrant dining, sports, and entertainment scene, while also being a short drive to world-renowned beaches like Siesta Key Beach, Anna Maria Island, and Fort De Soto Park. Whether you're seeking a low-maintenance coastal retreat, a high-performing investment, or the best of both worlds, this waterfront townhome delivers a lifestyle, and return - that's hard to match.

3202 Mangrove Point Drive, Ruskin

$429,000

3 Beds ⋅ 3 Baths ⋅ Bahia Beach Twnhms Ph 1a SubDv.

Welcome to 601 Bahia Beach Blvd in the scenic, resort-style community of Little Harbor. This 3-bedroom, 3-bathroom waterfront end-unit townhome offers approximately 1,593 square feet of living space, filled with natural light and enhanced by expansive canal views from multiple balconies. Its end-unit positioning provides added privacy, better light, and some of the best views in the community. Currently operating as a fully furnished and actively booked Airbnb, this property is truly turnkey for investors or buyers seeking immediate income potential. The home features an open, functional layout ideal for both short-term guests and personal use, blending comfort with a seamless indoor-outdoor coastal lifestyle. Enjoy direct access to Little Harbor’s resort-style amenities, including a private beach, marina, community pool, fitness center, tennis and pickleball courts, clubhouse, playground, and boat launch. Residents and guests alike appreciate the convenience of on-site waterfront dining, along with close proximity to shopping, recreation, and the greater Tampa Bay area, including St. Petersburg and Sarasota. Whether you’re looking for a high-performing investment, a vacation retreat, or a flexible primary residence, this income-producing waterfront property offers the best of Florida living with built-in revenue from day one.

601 Bahia Beach Boulevard, Ruskin

$420,000

4 Beds ⋅ 2 Baths ⋅ Wynnmere East Ph 2 SubDv.

Looking to minimize your cost of ownership? This 2019 pool home, with PAID OFF solar panels, perfectly positioned on a spacious corner lot is for you. This home offers 4 bedrooms and 2 full bathrooms, this property combines modern design with everyday functionality in a layout buyers love. Step inside to an open-concept floor plan with a desirable split-bedroom design that provides both privacy and seamless flow. The common areas feature durable ceramic tile, while all bedrooms have been recently upgraded with stylish luxury vinyl flooring for a fresh, cohesive feel throughout. The kitchen is designed to impress with 36-inch raised-panel cabinets, under-cabinet lighting, and plenty of workspace that opens seamlessly into the main living and dining areas. It also features all-new appliances, making it truly move-in ready and ideal for both entertaining and everyday living. Outdoors is where this home truly shines. Enjoy your own private retreat with a beautiful inground swimming pool, an above-ground hot tub, and a fully screened lanai complete with brick pavers. The fully fenced backyard also offers a partial water view, adding a peaceful backdrop to your outdoor space. Additional notable features include a whole-home water purification system, as well as an irrigation system to help keep the lawn looking its best year-round. The home features a 240V electric vehicle charger and a low HOA, offering both savings and convenience. This home checks all the boxes with modern upgrades, thoughtful features, and a prime corner lot location. The average electric bill is $15 per mo thanks to the owned solar panels! Minutes from Tampa Bay and some of the best fishing and beaches on the West coast the location is phenomenal! Schedule your private showing today!

936 Zone Tailed Hawk Place, Ruskin

$424,900

5 Beds ⋅ 4 Baths ⋅ Bahia Lakes Ph 2 SubDv.

One or more photo(s) has been virtually staged. Short Sale. BANK APPRAISAL IS ALREADY IN FOR THE SHORT SALE ~ FIVE BEDROOMS PLUS A DEN with FOUR FULL BATHROOMS! ~ Opportunity knocks with this spacious SHORT SALE in the heart of Ruskin! With room for everyone and then some, this expansive 5-bedroom, 4-bath home offers incredible potential for the right buyer looking to add their personal touch ~ HOUSE IN GREAT SHAPE! ~ Step inside to find a thoughtfully designed layout featuring a very large kitchen with its own separate eating area—perfect for casual meals or morning coffee—alongside a generous great room ideal for gathering and entertaining ~ A separate formal dining room provides the perfect setting for holidays and special occasions ~ Upstairs, you’ll discover a versatile bonus room plus an additional bedroom and full bathroom, creating the perfect private space for guests, extended family, or even a comfortable in-law suite ~ Located in a desirable planned community with access to a community pool, this home is tucked away in a quiet area while still being convenient to everything the TAMPA AREA has to offer ~ With its size, flexible floor plan, and prime location, this property is a rare chance to create something truly special—don’t miss out on the possibilities!

612 Marion Hill Lane, Ruskin

$410,000

4 Beds ⋅ 3 Baths ⋅ Osprey Reserve SubDv.

Flood Insurance on this property is $815.00 and has the potential to be assumed. Welcome to your slice of Florida paradise in the highly sought-after Osprey Reserves community of Ruskin! This stunning 4-bedroom, 3-bathroom home beautifully blends modern comfort, thoughtful design, and peaceful Florida living. From the moment you step inside, you'll appreciate the bright, open-concept layout designed for effortless everyday living and entertaining. The spacious living and dining areas flow seamlessly together, creating the perfect setting for gatherings, celebrations, or relaxing evenings at home. The kitchen is a true standout, featuring sleek stainless-steel appliances, abundant cabinetry, and a generous breakfast bar—perfect for everything from morning coffee to hosting memorable dinner parties. The private owner's suite offers a peaceful retreat, complete with a spa-like en-suite bathroom featuring a separate shower and double vanity. The additional bedrooms are generously sized and provide plenty of flexibility for guests, a home office, gym, playroom, or whatever best fits your lifestyle. And the benefits continue! This home features solar power for impressively low electric bills, NO CDD fees, and a low monthly HOA, providing added savings and peace of mind. Step outside to your fully fenced backyard oasis, offering the perfect space for relaxing evenings, weekend BBQs, pets, entertaining, or simply enjoying the Florida sunshine in privacy. Situated above ground level, the Osprey Reserves community offers added peace of mind, and the property is not expected to flood during heavy rain. You'll also enjoy the community's quiet streets and peaceful atmosphere while remaining conveniently close to shopping, dining, entertainment, and major highways, making travel to Tampa and surrounding areas easy and convenient. This isn't just a house; it's an opportunity to enjoy the Florida lifestyle you've been waiting for!

197 Rain Berry Avenue, Ruskin

$410,000

5 Beds ⋅ 3 Baths ⋅ C5h | Leisey Subdivision Phase 3b SubDv.

This stunning two story single family residence offers the perfect combination of space, style, and functionality. Boasting 5 bedrooms, 3 bathrooms, and a 2 car garage, this thoughtfully designed home is ideal for comfortable everyday living and effortless entertaining. Step inside to a bright, open concept floor plan where the kitchen, dining nook, and spacious living area flow seamlessly together. The modern kitchen features stainless steel appliances, a beautiful center island with additional seating, and ample counter space perfect for gathering with family and friends. Elegant light fixtures and abundant natural light enhance the home’s warm and inviting ambiance, while tile flooring throughout adds both sophistication and easy maintenance. Located just off the foyer, a flexible bonus space provides countless possibilities, perfect for a home office, playroom, media lounge, or an elegant sitting area tailored to your needs. The private owner’s suite is conveniently located on the main floor, providing a peaceful retreat with added privacy. Upstairs, four generously sized bedrooms and an expansive loft create plenty of room for family, guests, or a secondary living space. Ideally located near major roadways, shopping, dining, and everyday conveniences, this home offers both accessibility and comfort. Experience the best of modern living in a spacious, beautifully appointed home designed to fit today’s lifestyle.

5431 Amaryllis Garden Street, Ruskin

Homes for Sale in Ruskin, FL Between $400,000 to $450,000

All Ruskin, FL Homes for Sale Between $400,000 to $450,000

Joseph Sullivan Real Estate

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