2312 W SHELL POINT ROAD, RUSKIN, FL, 33570
Active594 days on marketListed Dec 8, 2024MLS #TB8328349
About this home
2312 W SHELL POINT ROAD
SELLER FINANCING WITH SELECT TERMS. Geo-Tech surveys are being completed. Discover over 4 acres of prime waterfront land in the thriving heart of Ruskin, offering endless possibilities for personal or commercial development. Whether you dream of building your own waterfront oasis or have the vision of a savvy developer, this property is your canvas. Imagine crafting a custom dream home with breathtaking views, or tapping into Ruskin’s booming hospitality scene by creating a boutique hotel, a waterfront restaurant, or even multifamily housing. The location is unbeatable—just minutes from Bahia Beach, a full-service marina, Freedom Boat Club, and the popular Sunset Bar & Grill. With direct Gulf access, stunning surroundings, and a growing local community, this property is truly a rare gem. The opportunities are as vast as the horizon!
Facts & features
The home at a glance
4.34 ac
Lot size
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.
$15,239 /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
$15,239/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 615% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 2312 W SHELL POINT ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$410,000
11332 SYLVAN GREEN LANE · same community
1 bd · 1 ba · 483 sqft · $849/sqft · 23 DOM
Sold · Mar ’26$220,000
4105 ROBINSON ROAD · same community
2 bd · 1 ba · 768 sqft · $286/sqft · 0 DOM
Sold · Dec ’25$130,000
12036 BULLFROG CREEK ROAD · same community
2 bd · 1 ba · 784 sqft · $166/sqft · 14 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2312 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 2312 W SHELL POINT ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2312 W SHELL POINT ROAD FAQs
What would the monthly payment be for 2312 W SHELL POINT ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,239/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 2312 W SHELL POINT ROAD?+
The most recent tax bill on record (2023) was $7,821. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $2,499,999, this home is listed about 615% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$2,499,999 runs 615% 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.
03Time on market is leverage
594 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,700,000, now $2,499,999 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JULIAO REAL ESTATE, LLC · Carrie Juliao. MLS #TB8328349.
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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