Active
$1,275,000
Est. $7,633/mo

3422 W Shell Point Rd, Ruskin, FL, 33570

$411/sqft·Shell Point

3 bd3 ba3,100 sqftSingle Family
Listed by 27NORTH REALTY· Last updated · MLS# TB8533780

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Est. monthly payment
$7,633/mo
Down payment (20%)
$255,000
Property taxes
$346/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1979
Waterfront
Brackish Water
7,650 sqft lot
Lot size
3,100 sqft
Living area

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main Floor

3422 W Shell Point Rd is a 1979-built home in Shell Point Sub, Ruskin. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,100 square feet of living space. Listed at $1,275,000 (about $411/sqft), 18 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

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."

The essentials

Built
1979
Price / sqft
$411
On market
39 days
Annual tax
$4,146
Flood zone
AE
Lot
7,650 sqft
Type
Single Family Residence

Location

3422 W Shell Point Rd
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
1979
Lot
7,650 sqft
Cooling
Central Air
Heating
Central
Parking
Boat, Driveway, Off Street, Open
Waterfront
Brackish Water, River Front
Days on Market
39
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
French Doors
Hurricane Shutters
Lighting
Private Yard
Rain Gutters
Sliding Doors
Dishwasher
Disposal
Microwave
Range
Refrigerator

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE

Annual Tax (2025)

$4,146

Parcel #

U-11-32-18-18S-000000-00004.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Shell Point Sub

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

7,650 sqft

ClearedIn CountyLandscapedLevelPaved
Date
Event
Price
8/3/2026
Listed for sale
Source: Stellar MLS #TB8533780
$1,275,000
$411/sqft
Est. monthly payment$7,633/mo
Principal & interest$6,650
Property taxes$346
Insurance$638
Down payment20% · $255,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $1,275,000
$1.27M – $1.27M
99.5% – 100% of listTops out right at the list price
80% of listList price
94 of the last 167 home closings in 33570 landed at this number or higher (56%). The median one sat 40 days before it went under contract, and this one is on day 39.

Sample: 167 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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