3422 W Shell Point Road, Ruskin, FL 33570
$1,275,000 3 bedrooms | 3 full baths | about 3,100 square feet | 91 feet of waterfront | Shell Point MLS TB8533780
The sellers describe it this way: stepping onto the screened porch at sunset while dolphins and manatees pass by, and knowing the boat is sitting on the lift, minutes from Tampa Bay with no fixed bridges in the way.
3422 W Shell Point Road is a single-story, 3-bedroom, 3-bath home of about 3,100 square feet with 91 feet of deep-water frontage in Shell Point, Ruskin. It was fully updated in 2026, it has a new 2025 dock with a 16,000-pound lift, and there is no HOA and no CDD.
The water: 91 feet, a 16,000 lb lift and no fixed bridges
This is the kind of waterfront serious boaters look for. The home has 91 feet of frontage on deep water, and there are no fixed bridges between the dock and Tampa Bay, so sailboats and tall center consoles are not limited by bridge clearance. The listing describes direct sailboat access to Tampa Bay and the Gulf of Mexico.
- Custom 2025 dock, about 25 by 20 feet
- 16,000-pound boat lift
- Electric and water at the dock
- Concrete seawall
- Southwest-facing, for sunsets over the water
A 16,000-pound lift handles a lot of boat. We will still check your boat’s loaded weight (fuel, engines and gear included) against that rating, and look at depth at the dock at low tide before you commit.
No HOA, no CDD and room for the boat trailer and RV
This part is getting harder to find in South Hillsborough. There is no HOA, no CDD and no rental minimum, and you can keep a boat, RV, trailers and other vehicles on your own property. The paved driveway is large enough for all of it plus guest parking.
Updated inside in 2026
The interior was completely updated in 2026. There are soaring cathedral ceilings, ceramic tile throughout, and fresh paint in Sherwin Williams Agreeable Gray with Extra White trim. Large windows bring in light and the water views.
The living room is 28 by 26 with a circulating wood-burning fireplace, and the family room is 26 by 18, so there is room for a crowd without anyone feeling cramped.
The kitchen
The oversized kitchen is built for entertaining, with a large center island, solid wood cabinets, stone counters and a full set of 2024 appliances.
Bedrooms and baths
The primary suite has a walk-in closet and a private bath with a stone vanity and a skylight. The other two bedrooms have custom closet systems and share two more full baths, one with multiple shower heads. Every bedroom has access to its own full bath without a hallway shuffle. There is also a large laundry room.
Outside: the screened lanai and the view
The covered, screened lanai is 14 by 26 and faces the water, which makes it the spot for coffee in the morning, shade in the afternoon and sunsets in the evening.
Updates and systems
- Roof: 2017
- HVAC: 2024, serviced January 2026
- Water heater: 2024
- Hurricane-proof windows and hurricane shutters
- Vinyl fencing
- Public water and sewer
Impact windows and a roof under ten years old are two things Florida insurance carriers look at closely, and they often help with both getting coverage and the premium.
What it actually costs to own
- 2025 property taxes: $4,146 (expect this to be reassessed after a sale; ask me for an estimate at your price)
- HOA: none
- CDD: none
- Flood zone: AE
The home was built in 1979 and sits in flood zone AE, so flood insurance will be required if you finance. Ask for the elevation certificate and get a flood quote early. I can help you line both up before you write an offer.
Shell Point and Ruskin
Shell Point is a waterfront neighborhood in Ruskin on the eastern shore of Tampa Bay, where the water is the everyday lifestyle: fishing, cruising the bay and boating to waterfront restaurants. US-41 and I-75 are close for trips to Tampa, St. Petersburg and Sarasota.
Assigned schools are Thompson Elementary, Shields Middle and Lennard High. Boundaries change, so confirm with Hillsborough County Public Schools.
Questions people ask about this home
Are there bridges between 3422 W Shell Point Road and Tampa Bay?
No fixed bridges. The listing describes direct sailboat access to Tampa Bay and the Gulf.
How big is the boat lift?
16,000 pounds, on a custom 2025 dock of about 25 by 20 feet with electric and water.
How much waterfront does it have?
About 91 feet of deep-water frontage with a concrete seawall.
Is there an HOA or CDD?
Neither. There is no HOA, no CDD and no rental minimum.
Can I park my boat trailer or RV at the house?
Yes. Boats, RVs and trailers can be kept on the property, and the paved driveway has room for them plus guest parking.
Is the house one story?
Yes, it is a single-story home.
How old are the roof and A/C?
The roof is from 2017, the HVAC from 2024 (serviced January 2026), and the water heater from 2024. The windows are hurricane-proof and there are hurricane shutters.
Is there a pool or garage?
No. The listing does not include a pool or a garage. What it does have is a large paved driveway and room for boats and RVs on site.
What flood zone is it in?
Flood zone AE. Plan on flood insurance with a mortgage and get a quote early.
Walk through it
There is a full video tour of the home, and more photos are below.
Watch the video tour
Want a feel for 3422 W Shell Point Road, Ruskin before you come see it? Here is the video walk-through.
Come see it
If you want to walk it, or you just want the honest answer to something before you drive out, call or text me. And tell me about the boat. With a 16,000-pound lift and no bridges, this is a house that gets chosen for the boat.
Shawna Calvert, REALTOR
The Calvert Home Team at 27North Realty
509-294-6818 | shawna@27northrealty.com
Ask me about this home
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Photos
3422 W Shell Point Road, Ruskin, FL 33570. MLS TB8533780. Listed at $1,275,000 by Shawna Calvert, REALTOR, 27North Realty, 6138 N US Highway 41, Apollo Beach, FL 33572, office 813-645-4663. Gregg Calvert, Broker. Property details are from Stellar MLS and public records and are believed accurate but are not guaranteed. Buyers should verify all measurements, costs, assessments, insurance and features independently.