3422 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active291 days on marketListed Oct 2, 2025MLS #TB8430997
About this home
3422 W SHELL POINT ROAD
This is it! Calling all boating/fishing enthusiast to this must see waterfront home. Breathtaking views with stunning finishes throughout. This meticulously maintained 3/3 sits on Shell Point at the mouth of the little Manatee River. The interior upgrades and finishes speak for themselves with plank style tile floors, real wood cabinetry, stone countertops , updated lighting/fans and bathrooms. Cathedral ceilings, and open concept living that is sure to impress. This is the definition of turn-key. The spacious, covered and screened patio leads out to your covered boat dock and lift. Brand new Delco 16klb lift for up to a 34‘ vessel, new pedestal with 30 amp and 110 plug in, with water at dock for wash down. The deep water canal draft is 5.5 feet. This is directly west of Shell Point Marina that has non ethanol fuel 24/7. 13 miles to the skyway bridge, 17 miles to the Gulf of Mexico, less than 20 minutes to Tierra Verde area by boat. From your dock, less than 5 minutes of idle speed to open running in the channel. Unique ability for bait pens to keep bait year round. Views to the south are all protected by the state so no development concerns. All this with the best sunsets you will ever see, direct view at that time to St. Pete. NO HOA, NO CDD. Don't delay, contact today to schedule your showing.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,100
Sqft
0.18 ac
Lot size
1979
Year built
One
Levels
$385
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 — not generic estimates.
$7,611 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,611/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Ruskin actives
$385 vs $180
Days on market
291 vs 51 typical
Where $385/sqft sits among the 293 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
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33570 — neighborhood snapshot
Population
33,676
Median age
36.7
Median income
$69,048
Median home value
$255,400
Avg household
2.86
Households w/ children
4,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
166 of 293
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 257% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3422 W SHELL POINT ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,289,000
3034 CHRISTOPHERS WATCH LANE
4 bd · 3.5 ba · 2,962 sqft · $435/sqft · 16 DOM
Sold · Feb ’26$945,000
3122 CHRISTOPHERS WATCH LANE
4 bd · 3.5 ba · 2,913 sqft · $324/sqft · 236 DOM
Sold · Jan ’26$900,000
1128 SEAGRAPE DRIVE
4 bd · 3.5 ba · 2,913 sqft · $309/sqft · 32 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 3422 W SHELL POINT ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3422 W SHELL POINT ROAD — 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
3422 W SHELL POINT ROAD FAQs
What would the monthly payment be for 3422 W SHELL POINT ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,611/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3422 W SHELL POINT ROAD?+
The most recent tax bill on record (2024) was $6,652. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $1,195,000, this home is listed about 242% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 3422 W SHELL POINT ROAD?+
Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,195,000 runs 257% above the RUSKIN 33570 median — but at 3,100 sqft it's also 65% larger than the typical Ruskin listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
291 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,500,000, now $1,195,000 — a $305K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of YELLOWFIN REALTY · William Morris. MLS #TB8430997.
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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