$399,000
3325 W SHELL POINT ROAD, RUSKIN, FL 33570
Beds
3
Baths
2
Sq Ft
1,580 sq ft
Year Built
1958
Lot Size
0.26 acres
Garage
—
About This Property
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.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
Take I-275 S to I-75 S, continuing toward Naples until you reach exit 240 for FL-674/Ruskin. Merge onto FL-674 W (College Ave) and follow it for approximately 3 miles into the heart of Ruskin. Turn right onto US-41 N, then take a quick left onto Shell Point Rd and follow it west to the property on your left.
Location
3325 W SHELL POINT ROAD, RUSKIN, FL 33570
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$399,000
Loan Term
How to Buy This Home
Multiple financing options available for this $399,000 home in RUSKIN.
🏛️
FHA Loan
$13,965 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$19,950 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Hillsborough County SHIP
Varies
Income-qualifying Hillsborough residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 30, 2026.