3304 W Shell Point Rd, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot13,866 sqft

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

3304 W Shell Point Rd is a home in Unplatted, Ruskin. Flood zone AE/VE - confirm flood insurance requirements with your lender.

From the listing

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.

The essentials

On market
267 days
Annual tax
$2,915
Flood zone
AE/VE
Lot
13,866 sqft
Type
Land

At a glance

Land
Waterfront
Gulf/Ocean
0.32 acres
Lot size

Payment

Est. monthly payment
$3,529/mo
Down payment (20%)
$115,000
Property taxes
$243/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
13,866 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Gulf/Ocean, River Front
Days on Market
267
Elementary
Thompson Elementary
Middle
Shields-HB
High
Lennard-HB

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE/VE
Annual Tax (2025)
$2,915
Parcel #
U-11-32-18-ZZZ-000001-08410.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Unplatted
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
13,866 sqft
BuildableCleared

Price history

Date
Event
Price
1/22/2026
Listed for sale
Source: Stellar MLS #TB8468031
$575,000

Neighborhood

3304 W Shell Point Rd
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Calculator

Est. monthly payment
$3,529/mo
Principal & interest$2,999
Property taxes$243
Insurance$288
Down payment20% · $115,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$575,000

Time on market

267 days

Monthly payment

About $3,529/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,915 annual tax bill, insurance.

Flood zone

Zone AE/VE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered byEATON REALTYListing agent: Susan WalkerListing data from Stellar MLS, MLS# TB8468031.

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