$485,000
SOLD AUG 6, 2026

3528 W Shell Point Rd Ruskin, FL 33570

Ruskin Area
2 Beds
1 Bath
816 Sq Ft
9,300 Sq Ft Lot

Sale Details

Date Sold: August 6, 2026

$594 Per Sq Ft

34% Below List Price

47 Days on Market

Highlights

  • 65 Feet of Bay Harbor Waterfront
  • Water access To Gulf or Ocean
  • Deck
  • White Water Ocean Views
  • Dock made with wood
  • Loft

About This Home

As of August 2026

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.

Last Agent to Sell the Property

Danielle Davis

ELEVE REAL ESTATE LLC Brokerage Phone: 407-743-7472 License #3526167 Listed on: 06/23/2026

Co-Listed By

Heath Muncy

ELEVE REAL ESTATE LLC Brokerage Phone: 407-743-7472 License #3559592

Last Buyer's Agent

Heath Muncy

ELEVE REAL ESTATE LLC Brokerage Phone: 407-743-7472 License #3559592

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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,597

Year Built

  • Built in 1974

Lot Details

  • 9,300 Sq Ft Lot
  • Lot Dimensions are 60x155
  • 65 Feet of Bay Harbor Waterfront
  • East Facing Home
  • Mature Landscaping
  • Property is zoned PD

Home Design

  • Elevated Home
  • Fixer Upper
  • Slab Foundation
  • Metal Roof
  • Vinyl Siding

Interior Spaces

  • 816 Sq Ft Home
  • 2-Story Property
  • Ceiling Fan
  • Blinds
  • Combination Dining and Living Room
  • Loft
  • Sun or Florida Room
  • White Water Ocean Views

Kitchen

  • Range
  • Recirculated Exhaust Fan
  • Dishwasher
  • Disposal

Flooring

  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 2 Bedrooms
  • 1 Full Bathroom

Laundry

  • Laundry on upper level
  • Laundry Located Outside
  • Dryer
  • Washer

Outdoor Features

  • Water access To Gulf or Ocean
  • Seawall
  • Dock made with wood
  • Deck
  • Enclosed Patio or Porch

Location

  • Flood Zone Lot
  • Flood Insurance May Be Required

Schools

  • Thompson Elementary School
  • Shields Middle School
  • Lennard High School

Utilities

  • Central Air
  • Heating Available
  • 1 Water Well
  • 1 Septic Tank
  • Cable TV Available

Community Details

  • No Home Owners Association
  • Shell Point Sub Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,597

Year Built

Built in 1974

Lot Details

9,300 Sq Ft Lot

Listing Details

  • Property Type: Residential
  • Property Condition: Fixer
  • Property Sub Type: Single Family Residence
  • Architectural Style: Elevated
  • Construction Materials: Vinyl Siding
  • Fireplace: No
  • Living Area: 816
  • Lot Size Acres: 0.21
  • New Construction: No
  • Year Built: 1974
  • Building Area Total: 816
  • Lot Size Sq Ft: 9300
  • Status: Sold
  • Street Direction: W
  • Co List Office Mls Id: MFR260057983
  • Co List Office Phone: 813-562-5002
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 75.81
  • Escrow City: TAMPA
  • Escrow State: FL
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 594.36
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 1
  • Property Description: Elevated
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Wood
  • MFR_DockYN: 0
  • Attribution Contact: 407-743-7472
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile
  • Full Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Living Room/Dining Room Combo, Other, Window Treatments
  • Appliances Included: Dishwasher, Disposal, Dryer, Exhaust Fan, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 2
  • Levels: Two
  • Stories: 2
  • Window Features: Blinds
  • Additional Rooms: Florida Room,Loft
  • Living Area Meters: 75.81

Exterior Features

  • Direction Faces: East
  • Other Structures: Other
  • Exterior Features: Other
  • Roof: Metal
  • Pool Private: No
  • View: Water
  • Water Body Name: TAMPA BAY
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Deck, Enclosed, Rear Porch, Screened, Side Porch
  • Road Surface Type: Paved
  • Water Access: Bay/Harbor,Gulf/Ocean
  • Water Extras: Seawall - Other
  • Water View: Bay/Harbor - Full
  • Water View YN: 1
  • Waterfront Feet Total: 65
  • Water Frontage Feet Bay Harbor: 65

Garage/Parking

  • Carport Y N: No
  • Garage Yn: No

Utilities

  • Utilities: Cable Connected, Electricity Connected, Sewer Connected, Water Connected
  • Cooling: Central Air
  • Heating: Electric
  • Laundry Features: Outside, Upper Level
  • Sewer: Public Sewer, Septic Tank
  • Water Source: Public
  • Number Of Septics: 1
  • Number of Wells: 1

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Buyer to confirm pet restrictions with City and/or County Ordinances

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Thompson Elementary
  • High School: Lennard-HB
  • Middle Or Junior School: Shields-HB

Lot Info

  • Zoning: PD
  • Parcel Number: U-02-32-18-18S-000000-00024.0
  • Additional Parcels: No
  • Lot Features: Flood Insurance Required, FloodZone
  • Lot Dimensions: 60x155
  • Flood Zone Code: VE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 0
  • Additional Lease Restrictions: Buyer to confirm leasing restrictions with City and/or County Ordinances

Tax Info

  • Tax Annual Amount: 5597.4
  • Tax Block: 04
  • Tax Book Number: 32-32
  • Tax Lot: 24

Multi Family

  • Waterfront Features: Bay/Harbor
  • Approval Process: Buyer to confirm leasing approval and leasing restrictions with City and/or County Ordinances

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Closed on
Dec 7, 2011
Sold by
Bought by

Purchase Details

Closed on
Jul 13, 2006
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$222,566
Interest Rate
6.74%
Mortgage Type
New Conventional

Purchase Details

Closed on
Oct 12, 2004
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$352,100
Outstanding Balance
$179,332
Interest Rate
7.2%
Mortgage Type
Unknown
Estimated Equity
$547,182

Purchase Details

Closed on
Jun 13, 2003
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$243,000
Interest Rate
7.95%
Mortgage Type
Unknown

Purchase Details

Closed on
Dec 20, 1999
Sold by
Bought by
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Agents Specializing in Ruskin, FL

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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- None Available
Interfamily Deed Transfer -- K E L Title Ins Agency Inc
Warranty Deed $503,000 Accu Title Agency
Warranty Deed $270,000 Advantage Title Services Inc
Warranty Deed $145,071 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Closed $222,566 New Conventional
Open $352,100 Unknown
Previous Owner $243,000 Unknown
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
08/06/2026 08/06/26 Sold $485,000 -19.0% $594 / Sq Ft
07/16/2026 07/16/26 Price Changed $599,000 -7.8% $734 / Sq Ft
07/14/2026 07/14/26 Price Changed $650,000 -11.6% $797 / Sq Ft
06/23/2026 06/23/26 For Sale $735,000 -- $901 / Sq Ft
Source: Stellar MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $9,380 $508,222 $362,250 $145,972
2024 $8,370 $508,222 $362,250 $145,972
2023 $7,691 $471,839 $330,750 $141,089
2022 $7,062 $440,893 $315,000 $125,893
2021 $6,606 $400,190 $296,100 $104,090
2020 $5,597 $291,882 $189,000 $102,882
2019 $5,472 $285,116 $189,000 $96,116
2018 $5,224 $269,513 $0 $0
2017 $5,000 $254,504 $0 $0
2016 $4,887 $244,298 $0 $0
2015 $4,740 $232,092 $0 $0
2014 $4,734 $230,218 $0 $0
2013 -- $225,179 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: TB8522279

Stellar MLS

APN: U-02-32-18-18S-000000-00024.0

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