
454 BAHIA BEACH BOULEVARD, RUSKIN, FL, 33570
Active134 days on marketListed Mar 13, 2026MLS #A4684484
About this home
454 BAHIA BEACH BOULEVARD
Turnkey Waterfront Townhome in Little Harbor Resort. Experience effortless waterfront living in this fully furnished, maintenance-free townhome located within the sought-after waterfront resort community of Little Harbor Resort on the shores of Tampa Bay. Whether you are searching for a full-time residence, winter retreat, or a high-performing income property, this exceptional townhome offers the ideal combination of lifestyle and investment potential. Perfectly positioned with direct access to Tampa Bay and the Gulf of Mexico — with no locks or bridges, the location is especially attractive to boaters and vacation guests alike. From the multiple private balconies, enjoy spectacular sunsets and sweeping views that stretch across Tampa Bay, a tranquil coastal preserve, and the iconic. Imagine dolphins and manatees enjoying the canal while you relax on the balcony. This property features include: 2 bedrooms withe private balconies and ensuite bathrooms, fully equipped kitchen with stainless appliance and granite countertops overlooking the living area that includes a beautiful water view. There is a laundry area with a stackable unit next to the half bath and another balcony you can enjoy a sunrise from. Quality furnishings throughout for immediate enjoyment or rental use Roll-down screens for added comfort and privacy on living room balcony, large garage with generous indoor and outdoor storage — perfect for beach gear, bikes, fishing equipment, or a golf cart. (two golf stay with the home) Resort-Style Amenities give owners and guest access to a full array of amenities which include: 2 restaurants, multiple pools, private beach, private pier, tennis/pickleball courts, dog park, playground, arcade, game room, access to two boat clubs a full access marina and a high and dry marina. The location also provides easy access to shopping, dining, and outdoor recreation, while being just a short drive from some of Florida’s most celebrated beaches including Siesta Key Beach, Anna Maria Island, and Fort De Soto Park. There a nature parks along Tampa Bay for daytime enjoyment. In addition, the cultural, dining, and entertainment offerings of Tampa are within easy reach, including professional sports, concerts, festivals, and year-round events. This property is fully furnished and ready to generate income immediately. With strong short-term rental demand, minimal maintenance requirements, and high guest appeal, it presents an excellent opportunity for investors or buyers seeking a personal coastal retreat with income potential. With its unmatched waterfront location, resort-style amenities, and proven vacation destination appeal, this exceptional property offers the best of Florida’s coastal lifestyle and investment opportunity.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,258
Sqft
0.03 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$269
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.
$3,602 /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
$3,602/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.
vs edgeAI estimate
+44.1%
$/sqft vs Ruskin actives
$269 vs $179
Days on market
134 vs 51 typical
Where $269/sqft sits among the 286 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)
162 of 286
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 454 BAHIA BEACH BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$225,000
3244 MANGROVE POINT DRIVE · same community
2 bd · 2.5 ba · 1,258 sqft · $179/sqft · 39 DOM
Sold · Jun ’26$215,000
3210 MANGROVE POINT DRIVE · same community
2 bd · 1.5 ba · 1,184 sqft · $182/sqft · 378 DOM
Sold · Dec ’25$385,000
3257 MANGROVE POINT DRIVE · same community
3 bd · 3 ba · 1,571 sqft · $245/sqft · 14 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 454 BAHIA BEACH BOULEVARD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 454 BAHIA BEACH BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
454 BAHIA BEACH BOULEVARD FAQs
What would the monthly payment be for 454 BAHIA BEACH BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,602/mo — principal and interest, the actual property-tax bill, the $625/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 454 BAHIA BEACH BOULEVARD?+
The association fee works out to $625 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 454 BAHIA BEACH BOULEVARD?+
The most recent tax bill on record (2024) was $8,061. 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 454 BAHIA BEACH BOULEVARD?+
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 $339,000, this home is listed about 3% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Ruskin market on paper
$339,000 is 3% below the Ruskin median of $349,850.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $625/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
134 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Billie Jo Hurd. MLS #A4684484.
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.
Never miss a listing
New Ruskin homes, in your inbox
Like 454 BAHIA BEACH BOULEVARD but not quite? A daily digest of every new listing in Ruskin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →


