
817 B BAHIA DEL SOL DRIVE UNIT 40, RUSKIN, FL, 33570
Active14 days on marketListed Sep 8, 2026MLS #TB8541963
About this home
817 B BAHIA DEL SOL DRIVE UNIT 40
There is something special about a home that delivers just as much inside as it does outside, and this beautifully renovated END-UNIT condo in Bahia del Sol does exactly that. Located within Little Harbor, a one-of-a-kind waterfront community in Ruskin, the moment you arrive, it feels as though you've escaped to a tropical vacation—only this time, you get to call it home. The setting immediately captures your attention with panoramic views across the waterway and neighboring nature preserve, while abundant natural light showcases an interior that has been extensively and thoughtfully transformed. Add direct boating access to Tampa Bay and the Gulf, and the result is an exceptional combination of beautiful design, incredible surroundings, and the Florida lifestyle people come here to find. Inside, the extensive renovation has created a fresh, cohesive design with thoughtful upgrades throughout. Ceramic tile flooring flows from room to room, complemented by upgraded 5-inch baseboards, textured ceilings, updated window treatments, new closet doors, and space-saving pocket doors. At the heart of the home, the beautifully redesigned kitchen features new cabinetry, quartz countertops, all-new Frigidaire appliances, and a dedicated wine bar with wine refrigerator—creating a stylish space that is just as functional for everyday living as it is for entertaining. The bathroom has been completely refreshed with a spacious walk-in shower featuring a glass enclosure and beautifully tiled walls and flooring, along with new vanities and toilets. A newer A/C system with mold-prevention technology and newer water heater add peace of mind, while standing-height attic space with cabinetry provides an impressive amount of additional storage rarely found in condo living. Even the details behind the scenes have received attention, including refurbished sliding-door tracks and rollers, new screens, and regularly maintained ductwork. Step outside and the waterfront becomes an extension of the home. Newly installed spacious decks along the canal create an incredible place to fish, relax, watch dolphins and manatees pass by, or simply take in the peaceful surroundings. The community kayak and canoe launch makes exploring the canal and river effortless, while the heated pool just across the street overlooks the Bay and offers beautiful sunset views and a barbecue area for gathering with friends. BOATERS, this location is hard to beat! Bahia del Sol offers onsite boat slips based on availability with DIRECT ACCESS TO TAMPA BAY AND THE GULF—no lifts or bridges along the way. Just a short walk away, Little Harbor adds even more to the coastal lifestyle with a half-mile stretch of white-sand beach, waterfront restaurants, a tiki bar, live music, hotel, marinas, high-and-dry boat storage, fishing charters, eco tours, and sunset cruises. Whether you're searching for a waterfront primary residence, an unforgettable Florida getaway, or an investment property with vacation-rental potential, this condo offers remarkable flexibility in an extraordinary setting. NO CDD and convenient access to Tampa, St. Petersburg, Sarasota, shopping, dining, golf, and everyday conveniences. Beautifully renovated, meticulously cared for, and surrounded by everything that makes waterfront living so special—this is Florida living done right.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,095
Sqft
0 ac
Lot size
1981
Year built
One
Levels
$320
Per sqft
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.
$2,658 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,658/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+27.1%
$/sqft vs Ruskin actives
$320 vs $175
Days on market
14 vs 56 typical
Where $320/sqft sits among the 288 Ruskin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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 →
RUSKIN 33570 — neighborhood snapshot
Population
33,676
Median age
36.7
Median income
$69,048
Median home value
$255,400
Avg household
2.86
Households w/ children
4,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$315K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
158 of 288
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 817 B BAHIA DEL SOL DRIVE UNIT 40
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$175,000
812 BAHIA DEL SOL DRIVE UNIT B · same community
2 bd · 2 ba · 1,095 sqft · $160/sqft · 38 DOM
Sold · Jun ’26$245,000
808 BAHIA DEL SOL DRIVE UNIT 14 · same community
2 bd · 2 ba · 1,095 sqft · $224/sqft · 433 DOM
Sold · Jul ’26$385,000
818 BAHIA DEL SOL DRIVE UNIT 29 · same community
2 bd · 2 ba · 1,095 sqft · $352/sqft · 0 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 817 B BAHIA DEL SOL DRIVE UNIT 40 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 817 B BAHIA DEL SOL DRIVE UNIT 40 — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
817 B BAHIA DEL SOL DRIVE UNIT 40 FAQs
What would the monthly payment be for 817 B BAHIA DEL SOL DRIVE UNIT 40?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,658/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 817 B BAHIA DEL SOL DRIVE UNIT 40?+
The most recent tax bill on record (2025) was $3,390. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 817 B BAHIA DEL SOL DRIVE UNIT 40?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $350,000, this home is priced right at the Ruskin median.
Which schools are assigned to 817 B BAHIA DEL SOL DRIVE UNIT 40?+
Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Brenda Wade. MLS #TB8541963.
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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