3228 MANGROVE POINT DRIVE, RUSKIN, FL 33570
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 6, 2026, 3228 Mangrove Point Drive in Bahia Beach Twnhms Ph 2, Ruskin is listed at $415,000 (1,593 sq ft, about $261 per sq ft). That is 46% above Bahia Beach Twnhms Ph 2's median closed sale of $285,000 over the last 12 months (7 recorded sales). It has been 24 days on market. Listing facts: built in 2007, waterfront, HOA dues of $620/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 2007 · 19 yrs
- 1,593 sq ft of living area
- 1-car garage
- Listed at $415,000 — recent neighborhood median sale price ~$285,000 (nearby sales; deemed reliable, not an appraisal)
- 24 days on market
- HOA $620/mo (per listing)
Pricing & the BAHIA BEACH TWNHMS PH 1A market
How this home is priced against recent nearby sales, and where BAHIA BEACH TWNHMS PH 1A has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in BAHIA BEACH TWNHMS PH 1A
Each dot is a closed sale since 2015 (44 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2016–2026. This home lists at $261/sq ft.
Median sale price by year
12-month median closed price, 2016–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 41 (normal).
This home’s history
- 2007BuiltPer public record
- Aug 7, 2026First trackedObserved at $415,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,145/mo 65%
- Taxes $363/mo 11%
- Insurance $164/mo 5%
- HOA $620/mo 19%
$3,292/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
40/100 is below average 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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. 17.3 months of supply in the surrounding market and 24 days on market for this home, against a 20-day area median.Days on market:this home 24Area median: 20 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 2015 through 2026. As of August 2, 2026.
🟡 Asking $261 per square foot, about in line with the community’s $257 median. BAHIA BEACH TWNHMS PH 1A’s 12-month median sold price per square foot is $257. Median sold price per square foot is down 32.6% year over year. Confidence: Low · 7 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.
21% of homes in BAHIA BEACH TWNHMS PH 1A are owner-occupied. An estimated 79% are non-owner-occupied, including 11% held in a company or trust and 48% 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), 159 homes matched. Community-level context.
Recent BAHIA BEACH TWNHMS PH 1A sales closed near 95.3% of original asking. Cash paid for about 57% of recent closings here.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 August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 13 active listings in BAHIA BEACH TWNHMS PH 1A, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to your own slice of paradise in the sought-after Little Harbor waterfront community! This beautifully updated 3-bedroom, 3-bath corner-unit townhome offers the perfect combination of coastal charm, privacy, and an effortless Florida lifestyle. Designed to embrace true Florida living, this home features three private outdoor spaces, including a serene balcony off the primary suite overlooking the canal, a second private balcony off the upstairs secondary bedrooms that provides additional space to enjoy the spectacular natural surroundings, and a spacious balcony off the dining and living area that creates a seamless indoor-outdoor flow.
The rear of the home overlooks the canal and a protected preserve, offering a peaceful tropical backdrop where you can regularly enjoy sightings of manatees, dolphins, native birds, and other Florida wildlife. Filled with abundant natural light, this tastefully updated home showcases a timeless neutral color palette, granite countertops throughout, and a spacious open-concept living area designed for both comfort and entertaining. The stunning primary suite features a luxurious pebble stone, rain-head super shower, creating a spa-like retreat.
A newer washer and dryer add everyday convenience, and all appliances throughout the home have been updated, including a recently installed 3-ton HVAC system for enhanced comfort and efficiency. The oversized garage—large enough to function as a one-and-a-half-car garage—provides exceptional storage for beach gear, bicycles, and boating essentials. Beyond your doorstep, Little Harbor offers a true resort-style waterfront lifestyle.
Residents enjoy access to a marina, waterfront restaurants, multiple pools, a fitness center, tennis and pickleball courts, and private beach access, all set against some of the most spectacular sunsets over Tampa Bay. Whether you enjoy boating, fishing, kayaking, paddleboarding, or simply relaxing by the water, every day here feels like a vacation. Ideally located in Ruskin, Florida, this home offers exceptional regional connectivity.
You are just a short drive to MacDill Air Force Base, as well as other key military and defense installations throughout the Tampa Bay area, including Coast Guard facilities. Travel is convenient with both Tampa International Airport and St. Pete–Clearwater International Airport within easy reach.
You are also close to the vibrant downtown districts of Tampa, St. Petersburg, and Sarasota. For beach lovers, the location is unmatched.
Enjoy quick access to the world-renowned Gulf Coast beaches, including Anna Maria Island, Siesta Key, and Clearwater Beach, consistently ranked among the best beaches in the world. From white sand shores to crystal-clear waters, the best of Florida’s coastline is right at your fingertips. While Little Harbor does not feature a dedicated dog park within the community, it remains a pet-friendly waterfront neighborhood, with walking areas throughout and nearby public parks in Ruskin offering designated dog parks and additional pet-friendly outdoor spaces.
Whether you are searching for a primary residence, vacation getaway, or income-producing investment, this exceptional property offers strong rental potential, an unbeatable location, and the coastal lifestyle you’ve been dreaming of. Don’t miss your opportunity to own one of Little Harbor’s desirable corner-unit townhomes, where comfort, nature, and resort-style living come together beautifully.
Description provided by RE/MAX BAYSIDE REALTY LLC and reproduced from the MLS; not independently verified.
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
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.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $415,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $620/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 24 days on market vs. a 20-day community median
- 14 active listings competing, 1 under contract
- ≈17.3 months of supply
- 10 closed here in the last 12 months
For reference, this home is listed at $415,000 ($261/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,593 sq ft × $226–$288/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Similar homes for sale near BAHIA BEACH TWNHMS PH 2
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 3228 MANGROVE POINT DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by RE/MAX BAYSIDE REALTY LLC · MLS # TB8532093
Request a showing
Recent sales activity in BAHIA BEACH TWNHMS PH 2
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the BAHIA BEACH TWNHMS PH 2 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on BAHIA BEACH TWNHMS PH 2
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $257/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 3228 Mangrove Point Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2007 (19 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 $620/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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,593 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 $4,358/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 6, 2026) |
| Community market stats | Stellar MLS closed sales, as of August 2, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 3228 Mangrove Point Drive and when was it built?
Per the listing record, 3228 Mangrove Point Drive was built in 2007 and has 1,593 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3228 Mangrove Point Drive in?
3228 Mangrove Point Drive is in Bahia Beach Twnhms Ph 2 in Ruskin, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Bahia Beach Twnhms Ph 2 from the same MLS data.
Does 3228 Mangrove Point Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $620 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 3228 Mangrove Point Drive differ from the current owner's?
The estimate on this page (about $4,358 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3228 Mangrove Point Drive 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.
See 3228 MANGROVE POINT DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
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 a typical county millage rate to the list price 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.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
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.