3215 Gulf City Road, Ruskin, FL 33570
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 5, 2026, 3215 Gulf City Road in Lost River Preserve Ph I, Ruskin is listed at $3,250,000 (8,769 sq ft, about $371 per sq ft). That is 233% above Lost River Preserve Ph I's median closed sale of $975,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $303/sq ft by about 22%. It has been 293 days on market, longer than the community's typical 131 days to contract. Listing facts: built in 2011, a private pool, waterfront, HOA dues of $75/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2011 · 15 yrs
- 8,769 sq ft of living area
- 8-car garage
- 293 days on market
- HOA $75/mo (per listing)
About this home
Tucked away within the exclusive enclave of Lost River Preserve, this custom-built Mediterranean-inspired waterfront estate offers a rare opportunity for multigenerational living without compromise. Newly repositioned to reflect exceptional value within Tampa Bay’s luxury market, this legacy property spans more than 2.25 acres across four addresses with over 300 feet of water frontage—thoughtfully designed to bring generations together while preserving connection and independence. From the moment you enter through the landscaped paver courtyard, the estate feels like a secluded waterfront sanctuary.
Constructed with poured concrete tilt walls, impact-rated windows and doors, and a Galvalume aluminum tile-look roof, the home offers exceptional durability while positioned high and dry in Flood Zone X. Inside, nearly 6,700 square feet of refined living space unfolds across two distinct yet connected residences joined by a sunlit foyer—an ideal layout for extended family, aging parents, adult children, caregivers, or long-term guests. Soaring tray ceilings, arched architectural details, and walls of glass frame sweeping lake views throughout the home.
The primary living areas and both primary suites were positioned to embrace the waterfront setting. Designed as a family compound, both primary suites feature spa-inspired baths, dual closets, and bay window seating overlooking the lake. Each residence offers its own office, ensuite bedrooms, generous storage, and dedicated laundry room.
A flexible bonus suite with kitchenette and full bath opens directly to the pool terrace, ideal as a private suite, fitness studio, creative workspace, or independent living space. Outdoor living is equally impressive with a custom saltwater pool, 9-person spa, outdoor kitchen, and expansive screened lanai overlooking the water. The covered boat dock features a ski boat hoist and filleting station, while a second dock accommodates kayaks and paddleboards and is topped with a sunset bell.
The detached villa offers approximately 1,200 square feet with a full kitchen and private accommodations, while the three-bay garage provides ample storage for boats and recreational equipment. An approximately 800-square-foot lakefront entertainment space with full bath and double French doors leading to a private screened lanai creates endless possibilities for gatherings, wellness experiences, family reunions, executive retreats, and extended-stay guests. Completing the estate is a fourth parcel pre-plumbed for a future residence, creating opportunities for expansion, guest accommodations, or a custom lakefront home.
Set within the breathtaking 900-acre Lost River Preserve community, residents enjoy boating, trophy bass fishing, and an unmatched connection to nature surrounded by protected shoreline, scenic waterways, and native wildlife including roseate spoonbills, ospreys, and herons. Rich in history, the community is also home to the renowned Leisey Shell Pit fossil discovery, with artifacts showcased at the nearby Paleo Preserve Fossil Museum. Offering privacy without sacrificing convenience, this waterfront estate is located just 35 minutes from Downtown Tampa and within reach of fine dining, luxury shopping, championship sports, and world-class entertainment.
Whether envisioned as a family compound, multigenerational estate, executive escape, or legacy property, this extraordinary waterfront residence delivers a lifestyle few properties can match!!
Description provided by GULF SHORES REALTY ERA POWERED LLC and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $17,790/mo 81%
- Taxes $2,844/mo 13%
- Insurance $1,194/mo 5%
- HOA $75/mo 0%
$21,903/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Hillsborough County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Hillsborough County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the lost river preserve ph i market
How this home is priced against recent nearby sales, and where lost river preserve ph i has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $371/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
This home’s history
- 2011BuiltPer public record
- About Dec 2025Listed (per MLS)MLS reports 293 cumulative days on market as of October 5, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $3,250,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Hillsborough County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for LOST RIVER PRESERVE PH I. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Hillsborough County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 8,769 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 5, 2026.
Momentum Property Score
35/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 293 days on market for this home, against a 131-day area median.Days on market:this home 293Area median: 131 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2025. As of September 20, 2026.
🟡 Asking $371 per square foot, about 22% above the community’s $303 median. lost river preserve ph i’s 12-month median sold price per square foot is $303. Median sold price per square foot is down 17.0% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
74% of homes in lost river preserve ph i are owner-occupied. An estimated 26% are non-owner-occupied, including 7% held in a company or trust and 1% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 67 homes matched. Community-level context.
Recent lost river preserve ph i sales closed near 88.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in lost river preserve ph i, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by GULF SHORES REALTY ERA POWERED LLC · MLS # TB8429656
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More on LOST RIVER PRESERVE PH I
Go deeper on LOST RIVER PRESERVE PH I
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 3215 Gulf City Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2011 (15 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $75/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 8,769 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $34,125/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 5, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Hillsborough County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3215 Gulf City Road and when was it built?
Per the listing record, 3215 Gulf City Road was built in 2011 and has 8,769 sq ft of living area, 7 bedrooms and 8.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3215 Gulf City Road in?
3215 Gulf City Road is in Lost River Preserve Ph I in Ruskin, Hillsborough County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3215 Gulf City Road have an HOA, and how much are the dues?
The listing reports HOA dues of $75 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3215 Gulf City Road differ from the current owner's?
The estimate on this page (about $34,125 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3215 Gulf City Road in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.