Ruskin Homes with Beach Front Water Frontage

Ruskin Homes with Beach Front Water Frontage

Welcome to Ruskin, Florida – a hidden gem nestled in the heart of Hillsborough County, where the charm of small-town living meets the allure of waterfront paradise. With its picturesque landscapes, friendly community, and an enviable location along the stunning shores of Tampa Bay, Ruskin is a sanctuary for those seeking a serene coastal lifestyle.

Imagine waking up to the gentle sound of waves lapping against the shore, with a breathtaking view of the sunrise illuminating the horizon. Homes with beachfront and waterfront access in Ruskin offer this idyllic experience and more. Whether you’re looking for a cozy bungalow or a luxurious estate, the options are as diverse as the vibrant wildlife that calls this area home.

Ruskin is not just about beautiful homes; it's also a community rich in culture and recreational opportunities. Enjoy fishing, boating, and kayaking right from your backyard, or take a short drive to nearby parks and nature reserves for hiking and birdwatching. The local farmers' markets, charming shops, and delightful eateries add to the town's allure, making it easy to embrace the relaxed coastal lifestyle.

For families, Ruskin boasts excellent schools and a welcoming atmosphere, creating a perfect backdrop for raising children. With its proximity to larger cities like Tampa, residents can enjoy the best of both worlds – a peaceful retreat with easy access to urban amenities.

Discover your dream home in Ruskin, where the beauty of waterfront living awaits you. Embrace the tranquility, community spirit, and natural splendor that make this coastal town a truly special place to call home.

Newest Ruskin Homes with Beach Front Water Frontage

$1,275,000
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 Proof Windows, 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
$1,349,000
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
$275,000
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
$1,149,000
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
$140,000
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
$575,000
Unplatted SubDv. ⋅ 33570 Zip Code
Build-Ready Waterfront Opportunity on the Little Manatee River. An exceptional chance to build your custom waterfront home at the mouth of the Little Manatee River, where peaceful river living meets quick access to Tampa Bay and the Gulf of Mexico. This .32-acre gated and fully fenced property offers a rare combination of open-water access, build readiness, and freedom from HOA or deed restrictions. The lot measures approximately 64 x 216 and is fully prepared for construction, with approved house plans through Hillsborough County, along with water, sewer, and electrical services already in place. Impact fees have been paid for the first 2,300 square feet of construction, saving valuable time and expense. A site and elevation survey and geotechnical survey have already been completed, providing a strong foundation for future development. Boaters will appreciate the existing seawall and 60' T-shaped dock, featuring a 13,000-pound boat lift, floating dock, and a 54-foot land-side deck—ideal for relaxing or entertaining along the water. With over 10 feet of water depth, the dock can accommodate large vessels, making trips to the bay fast and convenient. Minimal side setbacks of just 5 feet allow for greater flexibility in home design. Located near Shell Point Marina and Little Harbor, you’ll enjoy nearby restaurants, a public beach, and beautiful sunset views. From your own backyard, take in the natural beauty of the river, where dolphins, manatees, and other wildlife are frequent visitors. With extensive improvements already completed, this property places you well ahead in the building process—making it an outstanding opportunity to create your own waterfront retreat in a prime boating location.

3304 W Shell Point Road, Ruskin
$255,000
2 Beds ⋅ 2 Baths ⋅ Bahia Del Sol Ii A Condo SubDv. ⋅ 33570 Zip Code
Fabulous Waterfront Community of Little Harbor. This 2 bedroom 2 bath condo is located in the Bahia Del Sol Condominiums, that is part of Little Harbor. This Condo offers beautiful views from the private balcony that overlooks the water. Fully furnished condo for easy move in. Living room and master bedroom have access to screen balcony. Bahia Del Sol community offers, fabulous resort style pool overlooking the bay, Playground and plentiful walking throughout the community. Monthly fees include flood insurance, cable TV, internet, community pool access, water, trash and sewer. Little Harbor Resort Marina offers freedom club boat rentals and watersports and boat storage and maintenance. You are only a short boat ride and you are in Tampa Bay. Two restaurants are located in Little Harbor, The Sunset Grill offers delicious dining with unbelievable sunset views and Tiki bar. Hooks Restaurant will let you bring your freshly caught fish for them to grill. Come make this condo your private waterfront retreat!

803 Bahia Del Sol Drive Unit B, Ruskin
$190,000
1 Beds ⋅ 1 Baths ⋅ Island Resort At Mariners Club SubDv. ⋅ 33570 Zip Code
Step into paradise with this first-floor, fully furnished waterfront studio perfectly positioned in the sought-after Little Harbor Resort. Enjoy the perks of a true Florida resort lifestyle with access to a deep-water marina, sparkling pool, tennis and pickleball courts, fitness center, private beach and on-site restaurants. Little Harbor is a serene, gated community known for its blend of relaxation and recreation — a coastal gem designed for comfort and connection. Whether you’re searching for a vacation getaway, winter escape, or income-generating investment, this condo offers flexible ownership — live here for 6 months and rent it out for the other 6! It’s the perfect balance of personal enjoyment and financial opportunity. This condo unit is tastefully furnished and wheelchair accessible, combining coastal charm with practical comfort, making it ideal for all lifestyles. Worry-Free Ownership: Enjoy new HVAC (2022), roof insurance, and an HOA that covers utilities, cable, internet, and garbage — giving you the peace of mind to simply relax and enjoy the view. From Tampa’s vibrant city life to local golf courses, shopping, nature parks, and waterfront dining, every day brings new adventures. This is your opportunity to own a slice of paradise at an unbeatable value. Come explore today and turn your waterfront dream into a reality!

611 Destiny Drive Unit 501, Ruskin
$175,000
Shell Point 1st Add To SubDv. ⋅ 33570 Zip Code
Come built your dream home or vacation spot, in this wonderful corner lot with CANAL access. This corner is All fenced, clean and clear ready with new city sewer for easy connection. NO HOA no CDD. This is highly desirable location. Come enjoy the Sea breeze. Build your dream home or that Rental business to grow your portfolio. There are 3 lots same owner all are to be sold as a package deal. The listing price reflects 1 lot if you will like to purchase call for a total package price. Seller motivated is waiting for you to make an offer for all 3 lots.

W Shell Point Road, Ruskin
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