3259 MANGROVE POINT DRIVE, RUSKIN, FL, 33570
Active2 days on marketListed Jul 25, 2026MLS #A4700954
About this home
3259 MANGROVE POINT DRIVE
Start living the resort lifestyle today with a move-in ready waterfront townhome in the bay front community of Little Harbor. This 3-bedroom, 3-bathroom unit is in excellent condition and being sold turnkey furnished, making it a perfect choice - whether for your primary residence, vacation home, or rental investment. BONUS - This unit already has guaranteed short-term income for the 2027 season if the new owner chooses to accept the reservation! The Point Townhomes at Little Harbor provide residents the peace of mind of 3 floors of concrete block construction, a private garage with storage and access to the backyard and canal, plus tandem driveway parking, and metal roofs. This unit is located on the more private cul-de-sac street and offers both Bay views from the front balconies and views of the small canal where the manatees are often visible from the back balconies. The Little Harbor community offers residents a private beach on Tampa Bay with views of St. Petersburg and the Sunshine Skyway bridge, two restaurants/tiki bar, two pools, fitness center, pickleball/tennis courts, two marinas with slip availability, one with high and dry storage, plus boat rentals and sightseeing/charter boat options – all with ‘no bridges to the Bay’ water access. Close proximity to shopping, restaurants, medical facilities, and I-75 allow residents access to stay in the neighborhood or take easy trips to Tampa, St. Petersburg, Bradenton and Sarasota, as well as Florida theme parks and 3 international airports. Relax at the beach or pool or sit on one of your balconies and watch the sunrise, take a walk, bike ride, or walk to one of the waterfront restaurants and watch the beautiful sunsets over Tampa Bay - the choice is yours when you live in the Point Townhomes at Little Harbor!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,417
Sqft
0.04 ac
Lot size
1
Garage
2007
Year built
Three Or More
Levels
$314
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.
$4,329 /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
$4,329/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
+3.9%
$/sqft vs Ruskin actives
$314 vs $180
Days on market
2 vs 51 typical
Where $314/sqft sits among the 284 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)
157 of 284
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3259 MANGROVE POINT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$385,000
3257 MANGROVE POINT DRIVE · same community
3 bd · 3 ba · 1,571 sqft · $245/sqft · 14 DOM
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
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 3259 MANGROVE POINT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3259 MANGROVE POINT DRIVE — 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
3259 MANGROVE POINT DRIVE FAQs
What would the monthly payment be for 3259 MANGROVE POINT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,329/mo — principal and interest, the actual property-tax bill, the $620/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 3259 MANGROVE POINT DRIVE?+
The association fee works out to $620 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3259 MANGROVE POINT DRIVE?+
The most recent tax bill on record (2025) was $8,794. 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 3259 MANGROVE POINT DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $445,000, this home is listed about 27% 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
$445,000 runs 27% above the Ruskin median.
02Know the monthly fee
The association fee is $620/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 2 days on market in a Ruskin market that averages 51 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SHOWTIME REALTY · Carolyn Allen. MLS #A4700954.
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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