611 DESTINY DRIVE UNIT 101, RUSKIN, FL, 33570
Active145 days on marketListed Mar 1, 2026MLS #TB8480022
About this home
611 DESTINY DRIVE UNIT 101
Waterfront Studio with Resort Amenities & Proven Rental Income in Little Harbor. Capture your piece of paradise with this charming, fully furnished, accessible, waterfront studio condo located in the highly sought-after Little Harbor community in Ruskin. Whether you’re an investor seeking reliable rental income or a buyer looking for a hassle-free second home, this turnkey property checks every box. The current owners have enjoyed a strong rental history, making this an excellent income-producing opportunity from day one. Step inside this bright and inviting open studio featuring two queen-sized beds, efficient kitchenette perfect for light meals and snacks and large windows that fill the space with natural light and serene water views. Wake up each morning to peaceful waterfront scenery and unwind in the evenings with breathtaking sunset views. Little Harbor redefines coastal living with an incredible array of amenities just steps from your door: Two heated community pools, private sandy beach for swimming and sunbathing, beachfront tiki bar with live music and sunset views, popular on-site restaurants offering waterfront dining, pickleball and tennis courts, fitness center and playground, deep-water marinas with direct access to Tampa Bay and the Gulf of Mexico, nearby Freedom Boat Club for convenient boat rentals, kayaking, paddleboarding, canoeing, and other water activities within the community. Enjoy watching boats cruise by, spotting marine life, and experiencing the relaxed coastal lifestyle that makes this community so desirable among residents and vacationers alike. Conveniently located just minutes from Interstate 75, this Ruskin gem offers quick access to Tampa and the Gulf beaches. Monthly fees include: Water, Electric, Parking, Cable, Internet, Insurance, Exterior Maintenance, and Full access to all community amenities. Whether you’re investing, vacationing, or seeking a 2nd home, this well-maintained studio offers exceptional value in a premier resort setting. Don’t miss your opportunity to own a turnkey waterfront retreat with outstanding income potential. Schedule your private showing today and start living the Little Harbor lifestyle!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
322
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$416
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.
$1,813 /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
$1,813/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.
$/sqft vs ISLAND RESORT AT MARINERS CLUB
$416 vs $419
Days on market
145 vs 51 typical
Where $416/sqft sits among the 7 homes for sale in ISLAND RESORT AT MARINERS CLUB
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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,195/mo median
Live Ruskin rental listing data — this home’s rate depends on size, condition and furnishing.
The Englewood short-term market
▼ Softening44%
Occupancy
▼ 20% yr/yr
$262
Avg nightly rate
▲ 23% yr/yr
$25K/yr
Revenue per listing
$128
RevPAR
62 days
Booking lead time
7.5 nights
Avg stay
6
Typical min nights
525
Active rentals
▲ 30% supply
Seasonality — monthly occupancy
Peaks at 66% in Feb · bottoms at 28% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Englewood — the projection above is specific to this home’s size.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full guide →
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
1 of 7
ISLAND RESORT AT MARINERS CLUB have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 611 DESTINY DRIVE UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$122,000
611 DESTINY DRIVE UNIT 210 · same community
1 bd · 1 ba · 308 sqft · $396/sqft · 341 DOM
Sold · Jul ’26$130,000
611 DESTINY DRIVE UNIT 308 · same community
1 bd · 1 ba · 355 sqft · $366/sqft · 98 DOM
Sold · Mar ’26$135,000
611 DESTINY DRIVE UNIT 304 · same community
1 bd · 1 ba · 445 sqft · $303/sqft · 42 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 611 DESTINY DRIVE UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 611 DESTINY DRIVE UNIT 101 — 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
611 DESTINY DRIVE UNIT 101 FAQs
What would the monthly payment be for 611 DESTINY DRIVE UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,813/mo — principal and interest, the actual property-tax bill, the $553/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 611 DESTINY DRIVE UNIT 101?+
The association fee works out to $553 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 611 DESTINY DRIVE UNIT 101?+
The most recent tax bill on record (2024) was $3,018. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 611 DESTINY DRIVE UNIT 101 be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 611 DESTINY DRIVE UNIT 101?+
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 $134,000, this home is listed about 62% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Under the Ruskin market on paper
$134,000 is 62% below the Ruskin median of $349,850.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Park/Greenbelt & Pool & Water views
The park/greenbelt and pool and water view is part of what you're buying — views hold value independently of the structure.
04Know the monthly fee
The association fee is $553/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Time on market is leverage
145 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 CHARLES RUTENBERG REALTY INC · Barbara Barco. MLS #TB8480022.
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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