Ruskin Homes with Beach Access Water Frontage

Ruskin Homes with Beach Access Water Frontage

Welcome to Ruskin, Florida – a hidden gem nestled in the heart of Hillsborough County! This charming coastal town is renowned for its stunning waterfront views, vibrant community, and a relaxed lifestyle that beckons both families and retirees alike. With its prime location along the picturesque shores of Tampa Bay, Ruskin offers an idyllic blend of small-town charm and access to big-city amenities, making it a perfect place to call home.

One of the most alluring features of Ruskin is its exceptional homes with beach access and waterfront properties. Imagine waking up each morning to the gentle sound of waves lapping against the shore, with breathtaking sunsets painting the sky every evening. Many of these homes boast private docks, allowing for easy access to boating, fishing, and other water activities right from your backyard. Whether you’re seeking a cozy bungalow or a luxurious waterfront estate, Ruskin has a diverse array of options to suit every lifestyle and budget.

The community here is as warm as the Florida sunshine, with a variety of local events, farmers’ markets, and outdoor recreational activities that foster a strong sense of belonging. Explore the nearby parks, indulge in fresh seafood at local eateries, or spend a day at the beach – the possibilities are endless!

If you’re ready to embrace a lifestyle filled with sun, sand, and serenity, Ruskin, FL, offers the perfect setting. Discover your dream home with beach access and create unforgettable memories in this beautiful waterfront paradise!

Newest Ruskin Homes with Beach Access Water Frontage

3 Beds ⋅ 3 Baths ⋅ Shell Point Sub SubDv. ⋅ 33570 Zip Code

3422 W Shell Point Rd, Ruskin, FL 33570 Imagine ending each day with spectacular sunsets over Tampa Bay, watching dolphins and manatees swim past your dock, and deciding on a whim to take the boat out for dinner or a sunset cruise. This beautifully updated waterfront home in Shell Point offers 91 feet of deep-water frontage, no fixed bridges, and direct sailboat access to Tampa Bay and the Gulf of Mexico. Here, the water is more than a view. It's your everyday lifestyle. Completely updated in 2026, this 3-bedroom, 3-bath residence offers approximately 3,100 square feet with soaring cathedral ceilings, ceramic tile flooring throughout, and a fresh Sherwin Williams Agreeable Gray interior accented by Extra White trim. The open floor plan features an impressive 28x26 living room with a circulating wood-burning fireplace and a spacious 26x18 family room. Large windows fill the home with natural light while showcasing beautiful water views. The oversized gourmet kitchen is designed for entertaining with a large center island, solid wood cabinetry, stone countertops, and a full suite of 2024 appliances. The first-floor primary suite offers a walk-in closet and private bath with a stone vanity and skylight. Two additional bedrooms include custom closet systems and are served by two more full baths, including one with multiple shower heads. A generous laundry room and expansive paved driveway provide exceptional convenience with room for boats, RVs, trailers, and guest parking. Outdoor living is where this home truly shines. The covered 14x26 screened lanai creates the perfect place to enjoy morning coffee, afternoon shade, or evening gatherings while taking in colorful sunsets over the water. Beyond the lanai, a concrete seawall leads to the custom 2025 dock measuring approximately 25x20 with electric, water, and a 16,000-pound boat lift. Whether you're fishing, cruising Tampa Bay, visiting waterfront restaurants, or simply relaxing while dolphins, manatees, and coastal birds pass by, every day feels like a vacation. With no fixed bridges, open water is only minutes away. Additional improvements include a 2017 roof, 2024 HVAC system serviced in January 2026, 2024 water heater, hurricane shutters, vinyl fencing, and public water and sewer. Located in the waterfront community of Shell Point, this property offers the freedom that's becoming increasingly difficult to find: no HOA, no CDD fees, no rental minimums, and the ability to keep your boat, RV, trailers, and recreational vehicles on your own property. If you've been searching for the ultimate Florida boating lifestyle with incredible bay access, waterfront views, and unforgettable sunsets, this home is ready to deliver. ***** WHAT THE SELLERS LOVE ***** "We love stepping out onto the screened porch and watching the sunset over the water while dolphins and manatees regularly make an appearance. Having our boat waiting on the private 16,000-pound lift means we can be out on Tampa Bay within minutes with absolutely no fixed bridges. The 2026 updates and soaring ceilings give the home a bright, fresh feel, and having 91 feet of waterfront with no HOA or CDD restrictions gives us the freedom to truly enjoy the Florida lifestyle we always wanted."

3422 W Shell Point Road, Ruskin

2 Beds ⋅ 3 Baths ⋅ Bahia Beach Twnhms Ph 02 SubDv. ⋅ 33570 Zip Code

WATERFRONT town home w/ metal roof, concrete construction and 4 spacious terraces to enjoy year round indoor/outdoor living in the seaside village of Little Harbor. This destination resort type lifestyle offers an on-site white sand and secluded BEACH, 2 waterfront restaurants/sports/tiki bar, newly constructed fishing pier and private outdoor seating area with a fire feature, heated swimming pool, tennis courts, pickle ball courts, clubhouse with fitness center, 2 deep water marinas, high & dry storage w/ slip availability. BOATERS paradise- direct access to the Bay/Gulf-no lifts or bridges. Freedom Boat Club on-site. Nature enthusiasts use the recently constructed community boat launch for canoeing/kayaking on the RIVER & canals, while enjoying dolphin and manatee sightings. Of course, with the location of this particular town home you never have to leave home to enjoy manatee and dolphin sightings. It is literally Manatee Haven with as many as 10-25 sightings per day as these gentle giants frolic and entertain just feet from your terrace as you watch in wonder and delight! Enjoy an Eco Tour in the afternoon or a Sunset Cruise aboard the Latitudes Pontoon with or without a dining option. Additional water sports include Paddle boards and Jet Ski's available for rent. FISHING mecca with a multitude of fishing charter selections or fish directly off the recently completed amazing community Pier. Great primary or secondary home or investment with minimum rentals being daily - perfect for AIRBNB. Highly desirable location to enjoy the breathtaking sunsets. The town home's recent upgrades include luxury vinyl plank on both the stairway as well as the second floor, new living room furniture, along with the refrigerator, dishwasher, stackable washer/dryer and A/C being nearly new at less than a year old. This move-in ready home awaits the next fortunate owner with its inviting beach design vibe while providing the ultimate in comfort and relaxation. As a bonus, additional entertaining space provided in garage with dining table, chairs and mounted TV. Convenient location-approximately half hour drive to Tampa, St. Petersburg, and Sarasota. Shopping, hospitals, restaurants, & golf courses all nearby. The taxes include the CDD. Don't miss out on this immaculately kept home - call TODAY to schedule an appointment!

3273 Mangrove Point Drive, Ruskin

1 Beds ⋅ 1 Baths ⋅ Island Resort At Mariners Club SubDv. ⋅ 33570 Zip Code

Now is your chance to own a turnkey, fully furnished WATERFRONT condo in the master planned community of Little Harbor. This beautifully updated and spacious condo with its king size bed, couch, full size refrigerator, microwave, and dining table and chairs provides a comfortable stay for owners/guests who relish Resort style amenities. The balcony welcomes you morning or night to enjoy coffee/refreshments as you watch motor yachts and majestic sailboats traveling to and from the open waters of Tampa Bay. Within a few steps walk to one of two heated pools and two waterfront restaurants. This unique community located directly on Tampa Bay has a half mile of white sand BEACH, a playground, bocce and shuffleboard, a basketball court, tennis and pickleball courts, fitness center, clubhouse, and the two heated swimming pools. A beach front expanded tiki bar, indoor restaurant, as well as outdoor patio seating offer extraordinary Sunsets and live music weekly. This destination Resort type of lifestyle also has 2 deep water marinas along with a high & dry with slip availability. Freedom Boat Club is an additional option located on the property. A BOATER'S paradise with direct access to the Bay/Gulf. Nature enthusiasts enjoy canoeing & kayaking on the River and canals. FISHING mecca with daily charters also available. Onsite rentals of watersports - paddle boards, jet skis, etc. This condo represents an excellent opportunity as a vacation property, second home or investment. Property management available - DAILY rentals allowed - or can be self-managed. Convenient location - approximately a half hour drive to Tampa, St. Petersburg, Sarasota. Shopping, hospitals, restaurants, and golf courses nearby. Taxes INCLUDE CDD. Don’t hesitate another minute - call today to schedule an appointment to view this lovingly maintained condo and start enjoying the Florida lifestyle!

611 Destiny Drive Unit 403, Ruskin

4 Beds ⋅ 4 Baths ⋅ Antigua Cove Ph 1a SubDv. ⋅ 33570 Zip Code

Experience luxury waterfront living in this exceptional four-story, 4 bedroom, 3.5 bath, 2,869 sq. ft. townhome located in the highly sought-after gated community of Antigua Cove nestled within Little Harbor. Built in 2024 with insulated concrete block construction on all four levels and featuring hurricane-impact windows, doors, and garage door, this residence offers outstanding durability, energy efficiency, and peace of mind. Inside, you'll find over 10-foot ceilings, engineered hardwood, LVT and tile flooring, an in-wall pest system, crown moldings, a private elevator servicing all four levels, a dual-zone HVAC for year-round comfort, tankless water heater, EV hookup, and a complete water treatment system. The gourmet kitchen is designed to impress with 42-inch cabinetry featuring glass uppers and soft-close doors and drawers, stainless steel appliances, a farmhouse sink, and elegant Calcutta Gold quartz countertops. Plantation shutters, designer lighting, and premium finishes throughout create a unique coastal atmosphere. The crown jewel of the home is the expansive fourth-floor covered rooftop terrace, complete with a built-in outdoor kitchen and panoramic views of Tampa Bay, Downtown St. Petersburg, the Skyway Bridge, Little Harbor Marina, and beyond. Additional outdoor living spaces include a spacious terrace and waterfront setting ideal for enjoying Florida's spectacular sunsets. Residents enjoy access to an impressive collection of resort-style amenities, including a gated entrance, waterfront clubhouse with pool tables, card room, mini kitchen, outdoor fire pit, heated waterfront community pool only a short walk, fitness center, dog park, pickleball courts, tennis courts, basketball court, playground, kayak launch, private fishing pier, and a private owners' beach with umbrellas and chairs. Boating enthusiasts will appreciate direct access to Tampa Bay with no bridges to navigate, deep-water access, and proximity to three marina clubs with boat slips and storage available. The community also offers manned gate security and regular roving patrols for added convenience and security. This rare waterfront opportunity combines luxury finishes, breathtaking views, premier boating access, and unmatched resort-style amenities in one of Florida's most desirable coastal communities. Call for a private showing today!

3027 Bermuda Sloop Circle, Ruskin

3 Beds ⋅ 3 Baths ⋅ Bahia Beach Townhomes Phase 1a SubDv. ⋅ 33570 Zip Code

Experience waterfront resort-style living year-round in the highly sought-after Little Harbor community! This beautifully furnished 3-bedroom, 3-bath townhome with a 1-car garage offers breathtaking views of both the marina and canal, creating the perfect coastal retreat. Designed for comfort and relaxation, the home features an open floor plan with ceramic tile and carpet throughout, granite countertops in the kitchen and bathrooms, and a fully stocked kitchen with elegant white glass-paneled cabinetry. The spacious living room and primary suite both showcase wall-to-wall sliding glass doors that open to private balconies overlooking the water, allowing you to enjoy stunning sunsets and refreshing bay breezes. Each bedroom features its own private balcony, while the primary suite offers soaring cathedral ceilings and a private en-suite bath. A washer and dryer are included for your convenience, along with a garage, covered ground-level patio, and a separate locked storage room. HOA fee includes water, basic cable, internet, trash removal, and grounds maintenance, making for truly carefree living. Residents enjoy access to Little Harbor's exceptional resort amenities, including two heated swimming pools, a hot tub, fitness center, tennis courts, basketball court, shuffleboard, horseshoe pits, playground, kayak and paddleboard launch area, and both private and public beaches along Tampa Bay. The community also features two full-service marinas, waterfront restaurants, a tiki bar, fishing charters, boat and jet ski rentals, and a hotel for visiting guests. A boater's paradise, Little Harbor provides direct access to Tampa Bay and the Gulf of Mexico with no bridges or lifts. Conveniently located near EG Simmons Park, Apollo Beach Nature Preserve, the Manatee Viewing Center, Little Manatee River State Park, Camp Bayou Nature Preserve, shopping, dining, hospitals, and golf courses, with easy access to Tampa, St. Petersburg, and Sarasota.

447 Bahia Beach Boulevard, Ruskin

4 Beds ⋅ 4 Baths ⋅ Antigua Cove Ph 1 SubDv. ⋅ 33570 Zip Code

Experience elevated coastal living in the exclusive gated waterfront community of Antigua Cove, where luxury, boating, and breathtaking marina views come together in one extraordinary residence. Built in 2022, hardly lived in and perfectly positioned with direct access to Tampa Bay and the Gulf with NO FIXED BRIDGES, this stunning waterfront completely turn key home offers the ultimate Florida lifestyle just moments from open water, waterfront dining, and the marina. Spanning 3,517 square feet, this light-filled residence features 4 bedrooms, 3.5 bathrooms, a spacious loft, bonus flex room/optional 5th bedroom, private elevator, and a thoughtfully designed layout ideal for both everyday living and effortless entertaining. From the moment you step inside, soaring ceilings, expansive sliding glass doors, and panoramic marina views create an immediate sense of luxury and tranquility. The open-concept living space seamlessly connects the great room, dining area, and chef’s kitchen, all framed by the stunning waterfront backdrop. Designed for entertaining, the kitchen features an oversized island, gas range, abundant cabinetry, designer finishes, and a stylish dry bar with additional storage. The indoor-outdoor flow captures the essence of coastal living, with natural light pouring in from every angle. The first floor includes a private guest suite with en-suite bath, an additional flex space perfect for a home office, gym, or optional 5th bedroom, powder bath, generous storage, and elevator access to the second level as well as to the garage. The unique split 3-car garage configuration offers exceptional flexibility for vehicles, golf carts, water toys, or even future lift storage thanks to the soaring ceiling height. Upstairs, the expansive loft leads to a luxurious primary retreat where sweeping marina views and unforgettable sunsets become part of your daily routine. Step onto the private waterfront balcony directly from the primary suite and enjoy morning coffee or evening wine overlooking the boats below. The spa-inspired primary bath features a soaking tub, oversized walk-in shower with multiple shower heads, dual vanities, and a large walk-in closet. Two additional guest bedrooms, a full bath, and upstairs laundry complete the second level. Outside, enjoy a covered waterfront lanai, private dock, and backyard space perfectly positioned to embrace the boating lifestyle. For added convenience, the Freedom Boat Club is located directly at the marina, offering effortless access to the water without the maintenance of boat ownership. Antigua Cove residents enjoy a gated luxury waterfront lifestyle with community amenities including a clubhouse with community pool within walking distance and yacht club, all conveniently located near Little Harbor, downtown Tampa, St. Petersburg, and some of the area’s best boating destinations. Whether you are searching for a full-time waterfront residence, seasonal escape, or luxury coastal vacation retreat, this exceptional home delivers the rare combination of modern construction, marina-front living, and timeless coastal elegance. This is more than a home—it’s a waterfront lifestyle designed for those who want to experience the very best of Tampa Bay living. All you have to do is show up with your boat! Opportunities like this rarely come available in Antigua Cove—schedule your private tour today and experience waterfront luxury living at its absolute finest.

3016 Christophers Watch Lane, Ruskin

3 Beds ⋅ 2 Baths ⋅ Shell Point 1st Add To SubDv. ⋅ 33570 Zip Code

Virtually Staged. Nestled along a serene canal with direct access to the beauty of Tampa Bay, this exceptional waterfront retreat at 3325 W Shell Point Road offers the ultimate Florida lifestyle with unparalleled peace of mind. The property has been meticulously updated for modern comfort, featuring a brand-new HVAC and AC system installed in 2025, a durable new roof from 2021, and a dedicated mini-split in the primary bedroom for personalized climate control. Outdoor living is the centerpiece of this home, highlighted by a stunning, brand-new dock completed in 2025 that includes an integrated bait well for effortless fishing right from your backyard. The expansive lot is anchored by a magnificent, mature mango tree that provides both a lush canopy of shade and a bountiful harvest of fresh fruit each season. With no HOA or CDD restrictions, this turnkey oasis combines structural integrity with premier coastal amenities, making it a rare find for boaters, anglers, and those seeking a private tropical sanctuary in the heart of Ruskin.

3325 W Shell Point Road, Ruskin

3 Beds ⋅ 2 Baths ⋅ Collura Sub SubDv. ⋅ 33570 Zip Code

Now $499,990 This is Tampa Bay waterfront living at its finest — move-in ready, meticulously upgraded, and just dropped $50,000 in price. Some homes are just addresses. This one is a lifestyle. Nestled along the open bay with direct water access, this beautifully reimagined Tampa Bay retreat delivers the effortless waterfront living you've been searching for — and the serious infrastructure to back it up. Across 1,580 square feet of thoughtfully refreshed living space, three bedrooms and two redesigned bathrooms strike the perfect balance of comfort and style. The completely renovated kitchen is the heart of the home, featuring crisp white shaker cabinets, gleaming granite countertops, and top-of-the-line appliances — equally suited for quiet mornings with a bay view or entertaining after a day on the water. Step outside and the property truly comes into its own. A brand-new boat lift (2023) sits ready at the water's edge, with generous RV and boat parking that serious boaters will immediately appreciate. The backyard blends function with charm: custom-built raised vegetable gardens bring a rare, grounded beauty to the space, while a versatile work shed — easily converted to a private home office — adds flexibility for however you choose to live. A spacious carport completes the picture. Peace of mind is built in, not bolted on. Every major system has been addressed: a 50-year metal roof (2020), new AC (2021), full whole-house replumb to the street (2022), and hurricane-impact windows and doors (2024) mean you inherit quality, not projects.

106 Steven Street, Ruskin

1 Beds ⋅ 1 Baths ⋅ Island Resort At Mariners Club SubDv. ⋅ 33570 Zip Code

ALMOST HEAVEN WATCHING THE SUN SET OVER TAMPA BAY FROM YOUR FRONT PORCH WITH DIRECT VIEW! SANDY BEACHES, FISHING PIER, PLAYGROUND, TENNIS COURTS, FITNESS CENTER AND TWO POOLS. TIKI HUT IS DIRECTLY ON THE BEACH AND LIVE MUSIC WEEKLY. TWO DEEP WATER MARINAS ALONG WITH A HIGH AND DRY WITH SLIP AVAILABILITY. BOATER'S PARADISE WITH EASY ACCESS TO TAMPA BAY, ALTHO THE FISHING IS GOOD FROM PIER OR UNDER THE BOATS. BIG SNOOK ARE ALL OVER JUST WAITING FOR YOU. DAILY CHARTERS ARE AVAILABLE, ALONG WITH CANOES AND KAYAKING IN THE RIVER OR CANALS. ON TOP OF ALL THESE AMENITIES IT IS JUST A SHORT DRIVE TO TAMPA TO THE NORTH AND SARASOTA TO THE SOUTH. NO NOISE, JUST PEACEFUL BIRDS YELLING! WATCH THE DOLPHINS PLAY AND THE MANATEE!! YOU WILL NEVER WANT TO LEAVE! Please note:picture of bathroom is from the bath down the hall which is shared by all floor.

611 B Destiny Drive, Ruskin

4 Beds ⋅ 4 Baths ⋅ Gull Haven Sub SubDv. ⋅ 33570 Zip Code

Waterfront Luxury with Panoramic Views! Experience elevated coastal living in this stunning 4 bedroom, 3.5 bathroom waterfront estate offering over 3,150 square feet of beautifully updated living space. Perfectly positioned along the Ruskin Inlet, this exceptional two-story Colonial-style residence captures breathtaking water views from nearly every room—with unforgettable sunsets as your daily backdrop. Step inside to a bright, open-concept floor plan designed for both effortless entertaining and everyday luxury. The home has been completely renovated with high-end finishes, including luxury vinyl plank flooring throughout, designer lighting, updated plumbing and electrical systems, and a reimagined layout that maximizes both space and function. At the heart of the home is the gourmet kitchen, featuring double-thick granite countertops, a premium stainless steel appliance package, Samsung induction double oven, and a brand-new picture window framing serene waterfront views. The kitchen flows seamlessly into expansive living and dining areas, enhanced by a beautifully redone fireplace. TWO primary suites, both private retreats, boasting panoramic water views! One of the suites offers a spa-inspired bathroom with marble finishes, and a full steam room—creating the ultimate sanctuary. A previously converted bedroom now serves as an oversized custom walk-in closet, while additional flex space offers the perfect option for a home office or bonus room. Step outside to your private backyard oasis, where indoor-outdoor living truly shines. Enjoy a resurfaced pool with expanded decking, screened lanais on both levels overlooking the water, lush tropical landscaping with fruit trees including tangelo, mango, sapodilla (nesbury/St. Julian), and bananas and daily dolphin and manatee sightings. For boating enthusiasts, this property is a dream come true with a covered dock and 13,000 lb boat lift providing deep water access—perfect for exploring Tampa Bay and beyond. Additional highlights include newer roof (approx. 2–3 years old) with 50-year warranty, newer AC systems (approx. 1.5–2 years) tankless water heater, tiled laundry room with utility sink and expanded outdoor walkway and living space. Ideally located near parks, dining, beaches, and major airports, this home offers the perfect blend of luxury, convenience, and true Florida waterfront living.

1414 Deirdre Drive, Ruskin

1 Beds ⋅ 1 Baths ⋅ Island Resort At Mariners Club SubDv. ⋅ 33570 Zip Code

Resort Style Living near the beach! Live, vacation, or rent out. First Floor, Fully Furnished condo located in the most serene waterfront community – Little Harbor. You have full access to Resort amenities: 2 heated pools, jacuzzi, tennis, fitness center, shuffleboard, pickleball, playground, Private Beach, and more. Sunset Grill and Hooks Restaurant Tiki Bar are located on site. If you’re a boat enthusiast, Freedom Boat Clun and private boat charters are just around the corner and have direct access to the Bay and the Gulf of America. Condo Dues include all utilities (water, cable/internet, electricity, security, etc).

611 Destiny Drive Unit 115, Ruskin

2 Beds ⋅ 2 Baths ⋅ Bahia Beach Twnhms Ph 1a SubDv. ⋅ 33570 Zip Code

Waterfront Living in Little Harbor – Fully Furnished & Turnkey! Air BnB Superhost. Welcome to your Florida dream home in the sought-after waterfront community of Little Harbor, offering breathtaking million-dollar views from four private terraces overlooking the wide boat channel and the Southshore Yacht Club marina. This beautifully updated and fully furnished 2-bedroom, 1.5-bath townhome features 1,110 square feet of coastal charm with vaulted ceilings, walk-in closets, plank tile flooring, and a bright open layout designed for relaxed waterfront living. This resort-style community boasts a white sand beach, two waterfront restaurants and a tiki bar, heated pool, tennis and pickleball courts, clubhouse with fitness center, playground, dog park, two deep-water marinas with high and dry storage and slip availability, on-site Freedom Boat Club, and direct access to Tampa Bay and Gulf waters. Enjoy canoeing and kayaking, fishing from the community pier, jet ski and paddleboard rentals, eco tours and sunset cruises. Conveniently located just 30 minutes from Tampa, 30 minutes from St. Pete beaches, and 45 minutes from Sarasota, providing endless options for shopping, dining, and culture. Whether you're looking for a primary residence, a second home, or a lucrative Airbnb investment, this gorgeous townhome offers everything needed to embrace the waterfront Florida lifestyle in one of the area’s most desirable waterfront communities.

547 Bahia Beach Boulevard, Ruskin

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