About This Home

This 3-bedroom, 3-bathroom single family at 3422 W SHELL POINT Road in Ruskin, FL is listed for $1,275,000 ($411 per sqft). Built in 1979, the home offers 3,100 sqft of living space on a 0.18 acres lot.

Key Features

  • Built in 1979
  • 0.18 acre lot
  • Fireplace
  • Waterfront

Property Details

1 story
3 full
1979

Amenities

FireplaceWaterfrontViewA/CRV Parking
Listing Description

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."

Monthly Cost Estimate

$6,819/mo

20% down · 6.5% · 30 years

Principal$922
Interest$5,525
Insurance$372

Estimates only. Actual payments may vary.

Location

3422 W SHELL POINT Road

Ruskin, FL 33570

SHELL POINT SUB

Features & Amenities

Interior Features

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsStone CountersThermostatWalk-In Closet(s)Window Treatments

Exterior Features

French DoorsHurricane ShuttersLightingPrivate YardRain GuttersSliding Doors

Property Details

Flooring

CarpetTile - Ceramic

Construction

Block Stucco

Views

HarborRiverOceanWaterMarina

Outdoor Features

PatioPorch

Parking

OpenDrivewayBoatOff Street

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalMicrowaveRangeRefrigerator

Questions & Answers

This 3-bedroom, 3-bathroom single family at 3422 W SHELL POINT Road is listed at $1,275,000 ($411/sqft). The estimated monthly payment is $6,819 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1979, 0.18 acre lot, Fireplace, Waterfront. Interior Features: Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen. Exterior Features: French Doors, Hurricane Shutters, Lighting.

This property is listed by Shawna Calvert and can be reached at 5092946818.

SC

Shawna Calvert

Agent at 27North Realty

(509) 294-6818

Listed by 27North Realty · Broker phone: (813) 645-4663 · View on Broker Site

MLS# TB8533780· Source: Stellar MLS· 44 days on PropertySimple

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3422 W SHELL POINT Road, Ruskin, FL 33570

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