3528 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active30 days on marketListed Jun 23, 2026MLS #TB8522279
About this home
3528 W SHELL POINT ROAD
Investor Special! An extraordinary opportunity to own a rare waterfront property directly on Tampa Bay with unobstructed panoramic views of St. Petersburg and some of the most breathtaking sunsets Florida has to offer. The true value is in the land and the incredible location, making this the perfect opportunity to renovate the existing home or build the custom waterfront estate of your dreams. The home sustained hurricane damage, but the upper level remains livable while the lower level offers the opportunity for renovation and restoration. The existing dock is also in place and has the potential to be repaired, adding even more value to this exceptional property. The photos provided showcase what this home looked like prior to the hurricane and offer a glimpse into the property's incredible potential. Whether you're an investor, builder, or visionary buyer looking to create something truly special, opportunities like this are few and far between. Renovate. Reimagine. Rebuild. But no matter what you choose, it's the view that is truly priceless. Sold as-is. Cash or renovation financing preferred. Don't miss your chance to own a piece of Tampa Bay waterfront paradise.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
816
Sqft
0.21 ac
Lot size
1974
Year built
Two
Levels
$734
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.
$4,083 /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
$4,083/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.
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)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
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 3528 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 3528 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
3528 W SHELL POINT ROAD FAQs
What would the monthly payment be for 3528 W SHELL POINT ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,083/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 3528 W SHELL POINT ROAD?+
The most recent tax bill on record (2025) was $5,597. 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 3528 W SHELL POINT ROAD?+
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 $599,000, this home is listed about 71% 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
$599,000 runs 71% above the Ruskin median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $735,000, now $599,000 — a $136K cut. The full history is in the market section below.
Listing courtesy of ELEVE REAL ESTATE LLC · Danielle Davis. MLS #TB8522279.
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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