Waterfront Homes for Sale in Ruskin, FL

****OWNER FINANCING AVAILABLE**** 33% DOWN, 7.5 % INTEREST RATE AMORTIZED OVER 30 YEARS AND BALLOON AT 4 YEARS. HURRICANE SALE! Located on Little Manatee River. ****SELLER HAD 3 PARK MODELS THAT HE AIRBNB AND MADE REALLY GOOD PROFIT FROM*** HURRICANE SALE! Located on Little Manatee River. House was flooded in hurricane Helene and seller is selling AS IS. Zoned Planned Development. You can redo the home or you can tear it down and rebuild. So many options. There is a 13.5k LB boat lift and dock located on Little Manatee River that leads out to Tampa Bay. The world is your oyster!

102 Trouve Lane, Ruskin

$380,000

Ruskin City Map Of SubDv.

Premium Waterfront 3/4-Acre Homesite on Ruskin Inlet — Direct Access to Tampa Bay & the Gulf A rare opportunity to own a beautiful 3/4-acre vacant waterfront property overlooking the Ruskin Inlet, offering direct access to Tampa Bay and the Gulf of Mexico. This oversized homesite sits in a quiet, established community that still carries the peaceful Old Florida feel — mature trees, gentle breezes, and wide-open water views. Property Highlights Expansive 3/4-acre waterfront lot with stunning views of the Ruskin Inlet Direct boating access to Tampa Bay and the Gulf Electric, water, and sewer available — ready for your dream home No CDDs or HOAs — enjoy freedom and flexibility One folio with potential to split into two buildable lots (county approval required) Property Highlights Expansive 3/4-acre waterfront lot with stunning views of the Ruskin Inlet, Direct boating access to Tampa Bay and the Gulf Electric, water, and sewer available — ready for your dream home No CDDs or HOAs — enjoy freedom and flexibility One folio with potential to split into two buildable lots (county approval required) Previous home removed — the property is cleared for new construction Quiet, charming community with an authentic Old Florida atmosphere Why This Property Stands Out This is one of the few remaining large waterfront parcels in the area with no deed restrictions and no CDD fees. Whether you envision a private estate, two custom homes, or a coastal retreat, this property offers unmatched versatility and value.

409 1st Avenue Nw, Ruskin

817 B Bahia Del Sol Drive Unit 40, Ruskin

$350,000

2 Beds ⋅ 2 Baths ⋅ Bahia Del Sol A Condo SubDv.

There is something special about a home that delivers just as much inside as it does outside, and this beautifully renovated END-UNIT condo in Bahia del Sol does exactly that. Located within Little Harbor, a one-of-a-kind waterfront community in Ruskin, the moment you arrive, it feels as though you've escaped to a tropical vacation—only this time, you get to call it home. The setting immediately captures your attention with panoramic views across the waterway and neighboring nature preserve, while abundant natural light showcases an interior that has been extensively and thoughtfully transformed. Add direct boating access to Tampa Bay and the Gulf, and the result is an exceptional combination of beautiful design, incredible surroundings, and the Florida lifestyle people come here to find. Inside, the extensive renovation has created a fresh, cohesive design with thoughtful upgrades throughout. Ceramic tile flooring flows from room to room, complemented by upgraded 5-inch baseboards, textured ceilings, updated window treatments, new closet doors, and space-saving pocket doors. At the heart of the home, the beautifully redesigned kitchen features new cabinetry, quartz countertops, all-new Frigidaire appliances, and a dedicated wine bar with wine refrigerator—creating a stylish space that is just as functional for everyday living as it is for entertaining. The bathroom has been completely refreshed with a spacious walk-in shower featuring a glass enclosure and beautifully tiled walls and flooring, along with new vanities and toilets. A newer A/C system with mold-prevention technology and newer water heater add peace of mind, while standing-height attic space with cabinetry provides an impressive amount of additional storage rarely found in condo living. Even the details behind the scenes have received attention, including refurbished sliding-door tracks and rollers, new screens, and regularly maintained ductwork. Step outside and the waterfront becomes an extension of the home. Newly installed spacious decks along the canal create an incredible place to fish, relax, watch dolphins and manatees pass by, or simply take in the peaceful surroundings. The community kayak and canoe launch makes exploring the canal and river effortless, while the heated pool just across the street overlooks the Bay and offers beautiful sunset views and a barbecue area for gathering with friends. BOATERS, this location is hard to beat! Bahia del Sol offers onsite boat slips based on availability with DIRECT ACCESS TO TAMPA BAY AND THE GULF—no lifts or bridges along the way. Just a short walk away, Little Harbor adds even more to the coastal lifestyle with a half-mile stretch of white-sand beach, waterfront restaurants, a tiki bar, live music, hotel, marinas, high-and-dry boat storage, fishing charters, eco tours, and sunset cruises. Whether you're searching for a waterfront primary residence, an unforgettable Florida getaway, or an investment property with vacation-rental potential, this condo offers remarkable flexibility in an extraordinary setting. NO CDD and convenient access to Tampa, St. Petersburg, Sarasota, shopping, dining, golf, and everyday conveniences. Beautifully renovated, meticulously cared for, and surrounded by everything that makes waterfront living so special—this is Florida living done right.

817 B Bahia Del Sol Drive Unit 40, Ruskin

$285,000

2 Beds ⋅ 2 Baths ⋅ Bahia Del Sol Ii A Condo SubDv.

LIVE LIKE YOU’RE ON VACATION EVERY DAY in this beautifully positioned raised first floor, end-unit condo in Little Harbor. The breathtaking panoramic views of Tampa Bay, the iconic Sunshine Skyway Bridge, the St. Petersburg skyline and beyond are priceless. Enjoy spectacular Gulf Coast sunsets from your private waterfront balcony and a relaxed resort lifestyle just steps from the sand and bay. This inviting two-bedroom, two-bath residence features a new HVAC system installed in 2024, wood-look porcelain tile throughout and a view that you'll never grow tired of. A covered entry opens to a welcoming foyer and an open-concept living and dining area thoughtfully designed to showcase the extraordinary waterfront setting. The spacious kitchen offers a breakfast bar, pantry and convenient interior laundry area. Sliding glass doors connect both the living area and primary bedroom to the private end-unit balcony—the perfect place to relax, entertain or watch the sun disappear over the bay. Sliding glass panels and screens allow you to enjoy the balcony enclosed, screened or completely open to the fresh coastal air. The primary bedroom features two closets, direct balcony access and beautiful water views. The generously sized guest bedroom includes an oversized closet and convenient access to the second full bathroom. Residents enjoy maintenance-free living, a resort-style heated pool, outdoor grilling area and shoreline access to Tampa Bay just steps from the building—perfect for launching a kayak, fishing or simply enjoying the water. Little Harbor also offers a white-sand beach, marina access, beachfront dining and an unmistakably relaxed coastal atmosphere. Condo fees currently include cable TV, common-area taxes, community pool access, escrow reserves, insurance, exterior and grounds maintenance, pool maintenance, sewer, water and trash service. With its exceptional end-unit location and being raised significantly to prevent any flooding, added privacy and some of the most impressive waterfront views on Florida’s Gulf Coast, this is more than a condo—it’s an opportunity to embrace the Florida waterfront lifestyle every day. E.G. Simmons Regional Park and its convenient boat access to Tampa Bay are just down the road. Head north to Apollo Beach, and you’re approximately 10 minutes from Circles Waterfront Restaurant, Finn’s Dockside Bar & Grill, Apollo Beach Preserve and the Manatee Viewing Center. Downtown Tampa, the cruise terminals and Tampa International Airport are also within easy driving distance. Looking to rent the condo until winter, or keep a long-term renter in place? The current tenant has been given notice to vacate by 9/30/2026 but will gladly stay for as long as the new owner wants. This is an exceptional opportunity to own an affordable waterfront retreat in one of Tampa Bay’s most distinctive coastal communities. Schedule your private tour today!

828 Bahia Del Sol Drive Unit 59, Ruskin

$399,900

2 Beds ⋅ 1 Baths ⋅ Unplatted SubDv.

Discover the charm of true Florida waterfront living at this adorable riverfront cottage, where character, nature, and an incredible waterfront setting come together. This special property sits directly on the river with two private docks, natural mangroves, and a natural riprap seawall, creating a peaceful and picturesque shoreline that flows seamlessly into the river. The charming cottage has lovingly maintained its original character and offers a rare opportunity to enjoy the laid-back lifestyle of Old Florida. Mature oak trees provide shade and beauty, while the expansive grounds offer plenty of room to spread out, entertain, park an RV, or accommodate a large boat. Step outside and let the river become your backyard. Spend your days boating, fishing, relaxing on the docks, or simply taking in the ever-changing waterfront views. As evening arrives, watch manatees and playful porpoises make their way through the river while the sun sets over the beautiful mangrove vista, painting the sky in unforgettable colors. A truly special waterfront retreat—where the charm of a classic Florida cottage meets the beauty and adventure of direct riverfront living.

1609 Saffold Park Drive, Ruskin

$750,000

3 Beds ⋅ 3 Baths ⋅ Point Heron SubDv.

This solidly built 3 bedrooms plus office two-story home is a fantastic opportunity for salt life living. Situated directly on a saltwater canal with a private dock and boat lift. Filled foam and concrete blocks with reinforcement and metal roof. Great installation house was not affected by the last two storms. This home exceeds code requirements. The property offers great potential for someone looking to renovate and create their own waterfront retreat while taking advantage of the existing structure and desirable location. With plenty of room for customization, this home presents an excellent opportunity to bring your vision to life and enjoy boating, fishing, and the relaxed waterfront lifestyle. The property features a large, spacious garage area that offers excellent versatility and plenty of room for vehicles, a boat, workshop space, storage, or recreational equipment. With its generous size and convenient layout, the garage provides valuable additional space and is a great feature for anyone looking for room to work, store belongings, or accommodate multiple vehicles. The home also features an owned solar panel system, offering the potential for increased energy efficiency and reduced reliance on traditional power sources. Having the solar panels owned outright adds value and provides an attractive benefit for the next owner looking to take advantage of renewable energy and potential long-term savings. Lift needs servicing and dock maybe unstable. Proceed at your own risk. Seller assumes no liability.

819 Blue Heron Boulevard, Ruskin

$339,000

1 Beds ⋅ 2 Baths ⋅ Bahia Del Sol A Condo SubDv.

"Live Where Every Day Feels Like a Vacation" Wake up to panoramic Tampa Bay views, spend your afternoons by the waterfront pool just steps from your back door, and end each evening with breathtaking Florida sunsets from your own enclosed lanai. Welcome to one of the most thoughtfully renovated residences in Little Harbor. Completely reimagined with a wide-open floor plan, this exceptional waterfront condo blends modern coastal design with the relaxed lifestyle that makes Little Harbor one of Tampa Bay's hidden gems. Rich engineered hardwood floors flow throughout the living spaces, while the beautifully redesigned kitchen opens seamlessly into the dining and living areas, creating the perfect setting for entertaining or simply enjoying the ever-changing views of the bay. Every detail was carefully considered during the renovation. The spa-inspired primary bathroom showcases stunning white onyx finishes, while custom barn doors add warmth and character to both the guest bath and the oversized laundry room—a rare feature in waterfront condos. Impact-rated windows and sliders throughout provide peace of mind while framing spectacular water views and filling the home with natural light. One of the home's most unique features is the enclosed waterfront lanai. With impact sliding windows, this versatile space functions as an extension of the living area year-round, creating the perfect spot for morning coffee, sunset cocktails, a home office, or even an additional sleeping area for guests. Step outside and you're just moments from the beautiful waterfront pool, making it feel as though your backyard is an upscale private resort. Beyond the condo itself, Little Harbor offers a lifestyle that few communities can match. Enjoy a private beach, waterfront restaurants, a tiki bar, full-service marina, high-and-dry boat storage, fishing, kayaking, walking paths, and endless opportunities to enjoy life on Tampa Bay - all just a short stroll from your front door. Whether you're searching for a primary residence, a seasonal retreat, or the ultimate waterfront getaway, this is Florida coastal living at its finest. The Resort & Club at Little Harbor is centered around a marina and private beach, with waterfront dining and resort-style amenities that make it feel like a year-round vacation. Beautifully updated. Move-in ready. Unforgettable sunsets. This isn't just another waterfront condo - it's a lifestyle you'll never want to leave.

800 Bahia Del Sol Drive Unit A, Ruskin

$284,900

4 Beds ⋅ 3 Baths ⋅ River Bend Phase 3b SubDv.

Don't miss this 4 bedroom, 3 bathroom one story home with a new roof in River Bend! Being sold AS IS, WHERE IS, Buyer is responsible for all inspections and certifications needed to close. All information & property details set forth in this listing, including all utilities & all room dimensions, are approximate, are deemed reliable but not guaranteed, & should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent and/or guarantee that all property information & details have been provided in this MLS listing.

2242 Colville Chase Drive, Ruskin

$415,000

3 Beds ⋅ 3 Baths ⋅ Bahia Beach Twnhms Ph 2 SubDv.

Welcome to your own slice of paradise in the sought-after Little Harbor waterfront community! This beautifully updated 3-bedroom, 3-bath corner-unit townhome offers the perfect combination of coastal charm, privacy, and an effortless Florida lifestyle. Designed to embrace true Florida living, this home features three private outdoor spaces, including a serene balcony off the primary suite overlooking the canal, a second private balcony off the upstairs secondary bedrooms that provides additional space to enjoy the spectacular natural surroundings, and a spacious balcony off the dining and living area that creates a seamless indoor-outdoor flow. The rear of the home overlooks the canal and a protected preserve, offering a peaceful tropical backdrop where you can regularly enjoy sightings of manatees, dolphins, native birds, and other Florida wildlife. Filled with abundant natural light, this tastefully updated home showcases a timeless neutral color palette, granite countertops throughout, and a spacious open-concept living area designed for both comfort and entertaining. The stunning primary suite features a luxurious pebble stone, rain-head super shower, creating a spa-like retreat. A newer washer and dryer add everyday convenience, and all appliances throughout the home have been updated, including a recently installed 3-ton HVAC system for enhanced comfort and efficiency. The oversized garage—large enough to function as a one-and-a-half-car garage—provides exceptional storage for beach gear, bicycles, and boating essentials. Beyond your doorstep, Little Harbor offers a true resort-style waterfront lifestyle. Residents enjoy access to a marina, waterfront restaurants, multiple pools, a fitness center, tennis and pickleball courts, and private beach access, all set against some of the most spectacular sunsets over Tampa Bay. Whether you enjoy boating, fishing, kayaking, paddleboarding, or simply relaxing by the water, every day here feels like a vacation. Ideally located in Ruskin, Florida, this home offers exceptional regional connectivity. You are just a short drive to MacDill Air Force Base, as well as other key military and defense installations throughout the Tampa Bay area, including Coast Guard facilities. Travel is convenient with both Tampa International Airport and St. Pete–Clearwater International Airport within easy reach. You are also close to the vibrant downtown districts of Tampa, St. Petersburg, and Sarasota. For beach lovers, the location is unmatched. Enjoy quick access to the world-renowned Gulf Coast beaches, including Anna Maria Island, Siesta Key, and Clearwater Beach, consistently ranked among the best beaches in the world. From white sand shores to crystal-clear waters, the best of Florida’s coastline is right at your fingertips. While Little Harbor does not feature a dedicated dog park within the community, it remains a pet-friendly waterfront neighborhood, with walking areas throughout and nearby public parks in Ruskin offering designated dog parks and additional pet-friendly outdoor spaces. Whether you are searching for a primary residence, vacation getaway, or income-producing investment, this exceptional property offers strong rental potential, an unbeatable location, and the coastal lifestyle you’ve been dreaming of. Don’t miss your opportunity to own one of Little Harbor’s desirable corner-unit townhomes, where comfort, nature, and resort-style living come together beautifully.

3228 Mangrove Point Drive, Ruskin

$534,900

4 Beds ⋅ 3 Baths ⋅ Bahia Lakes Phase 2 SubDv.

UPGRADES GALORE! Welcome to 809 Seminole Sky in Ruskin, where major improvements and thoughtful upgrades provide peace of mind and effortless Florida living. This beautifully maintained home features a new roof (2024), hurricane-impact windows (2025), hurricane-rated front door, and remote-controlled hurricane protection for the sliding glass doors. Enjoy the Florida lifestyle with a private pool, upgraded pool cage with premium 20x20 screening and stainless-steel reinforcement (2025), reinforced pergola, and fully screened outdoor living area. Additional upgrades include exterior paint (2025), whole-home water softener, reverse osmosis drinking water system, two solar-powered attic fans, enhanced insulation, leaf-filter gutter system, and updated lighting and ceiling fans throughout. The kitchen also features stylish peninsula accent lighting. One side yard is fully fenced, with a paved walkway on the opposite side. A Guardian security system is available for reactivation, and select furnishings are negotiable. So many of the major updates have already been completed, allowing you to move in and enjoy with confidence!

809 Seminole Sky Drive, Ruskin

$399,999

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

Virtually Staged. Spacious, beautifully maintained, and designed with both comfort and functionality in mind, this impressive 4-bedroom, 3-bath home offers 2,738 square feet of versatile living space in the desirable Shell Cove community. Overlooking a peaceful pond, the property combines generous indoor living areas with scenic outdoor views, making it an ideal place to entertain, relax, or accommodate a growing family. A welcoming foyer opens to a private den or home office before leading into the heart of the home. The well-appointed kitchen features granite countertops, a large center island, abundant cabinetry, and a walk-in pantry, all overlooking the bright and spacious great room filled with natural light. Sliding glass doors off the dining area lead to the covered, screened lanai where you can enjoy morning coffee, evening sunsets, or weekend cookouts while taking in tranquil pond views. The oversized backyard also provides ample space to add a future pool. The thoughtfully designed floor plan includes a first-floor bedroom and full bath, perfect for guests or multigenerational living. Upstairs, a spacious bonus room offers flexible living space, while an additional bedroom and full bath create a comfortable private retreat for family or visitors. A custom barn door provides added privacy between the primary suite and bonus room. The expansive primary suite offers a bright, relaxing retreat with an ensuite bath featuring dual granite vanities, a soaking garden tub, a custom glass walk-in shower, and two generous walk-in closets. Storage is exceptional throughout the second floor, including a walk-in closet in one of the secondary bedrooms and three additional hallway closets, providing plenty of room to stay organized. This meticulously maintained home also includes a whole-house water softener installed approximately three years ago, a security system, and major components that offer added peace of mind, including a roof and water heater that are both approximately four years old. Residents of Shell Cove enjoy outstanding community amenities including a resort-style pool, clubhouse, playground, and dog park. Conveniently located near US-41 and I-75, you'll have easy access to Tampa, St. Petersburg, Bradenton, shopping, restaurants, marinas, parks, nature preserves, and the beautiful Gulf Coast beaches. Move-in ready and loaded with space, storage, and modern conveniences, this exceptional home is ready for its next owners. Schedule your private showing today!

1167 Ocean Spray Drive, Ruskin

$1,275,000

3 Beds ⋅ 3 Baths ⋅ Shell Point Sub SubDv.

3422 W Shell Point Rd, Ruskin, FL 33570 Imagine ending each day with spectacular sunsets over Tampa Bay, watching dolphins and manatees swim past your dock, and deciding on a whim to take the boat out for dinner or a sunset cruise. This beautifully updated waterfront home in Shell Point offers 91 feet of deep-water frontage, no fixed bridges, and direct sailboat access to Tampa Bay and the Gulf of Mexico. Here, the water is more than a view. It's your everyday lifestyle. Completely updated in 2026, this 3-bedroom, 3-bath residence offers approximately 3,100 square feet with soaring cathedral ceilings, ceramic tile flooring throughout, and a fresh Sherwin Williams Agreeable Gray interior accented by Extra White trim. The open floor plan features an impressive 28x26 living room with a circulating wood-burning fireplace and a spacious 26x18 family room. Large windows fill the home with natural light while showcasing beautiful water views. The oversized gourmet kitchen is designed for entertaining with a large center island, solid wood cabinetry, stone countertops, and a full suite of 2024 appliances. The first-floor primary suite offers a walk-in closet and private bath with a stone vanity and skylight. Two additional bedrooms include custom closet systems and are served by two more full baths, including one with multiple shower heads. A generous laundry room and expansive paved driveway provide exceptional convenience with room for boats, RVs, trailers, and guest parking. Outdoor living is where this home truly shines. The covered 14x26 screened lanai creates the perfect place to enjoy morning coffee, afternoon shade, or evening gatherings while taking in colorful sunsets over the water. Beyond the lanai, a concrete seawall leads to the custom 2025 dock measuring approximately 25x20 with electric, water, and a 16,000-pound boat lift. Whether you're fishing, cruising Tampa Bay, visiting waterfront restaurants, or simply relaxing while dolphins, manatees, and coastal birds pass by, every day feels like a vacation. With no fixed bridges, open water is only minutes away. Additional improvements include a 2017 roof, 2024 HVAC system serviced in January 2026, 2024 water heater, Hurricane Proof Windows, hurricane shutters, vinyl fencing, and public water and sewer. Located in the waterfront community of Shell Point, this property offers the freedom that's becoming increasingly difficult to find: no HOA, no CDD fees, no rental minimums, and the ability to keep your boat, RV, trailers, and recreational vehicles on your own property. If you've been searching for the ultimate Florida boating lifestyle with incredible bay access, waterfront views, and unforgettable sunsets, this home is ready to deliver. ***** WHAT THE SELLERS LOVE ***** "We love stepping out onto the screened porch and watching the sunset over the water while dolphins and manatees regularly make an appearance. Having our boat waiting on the private 16,000-pound lift means we can be out on Tampa Bay within minutes with absolutely no fixed bridges. The 2026 updates and soaring ceilings give the home a bright, fresh feel, and having 91 feet of waterfront with no HOA or CDD restrictions gives us the freedom to truly enjoy the Florida lifestyle we always wanted."

3422 W Shell Point Road, Ruskin

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