145 days on market (MLS)Single Family Residence▼ Price cut: $26,000 (10/1)
$399,000
3-Bedroom Home in SHELL POINT 1ST ADD TO
3325 W Shell Point Road, Ruskin, FL 33570
Single Family Residence in SHELL POINT 1ST ADD TO, RUSKIN · No CDD on record
SHELL POINT 1ST ADD TO · Ruskin, FL 33570 · Hillsborough County
Listing data updated October 16, 2026 at 8:33 AM ET · checked against the MLS hourly
Listed by SOUTH CEDAR REAL ESTATE, INC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,580Sq Ft
1958Year Built
$253Per Sq Ft
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
22% above
$/sq ft vs community
$253 here vs $208 median sold (12 mo)
Buyer leverage
Buyer advantage
145 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 16, 2026, 3325 W Shell Point Road in Shell Point 1St Add To, Ruskin is listed at $399,000 (1,580 sq ft, about $253 per sq ft). It has been 145 days on market. Listing facts: built in 1958, no HOA. 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 1958 · 68 yrs
1,580 sq ft of living area
Listed at $399,000 — recent neighborhood median sale price ~$336,448 (nearby sales; deemed reliable, not an appraisal)
145 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Virtually Staged. Nestled along a serene canal with direct access to the beauty of Tampa Bay, this exceptional waterfront retreat at 3325 W Shell Point Road offers the ultimate Florida lifestyle with unparalleled peace of mind. The property has been meticulously updated for modern comfort, featuring a brand-new HVAC and AC system installed in 2025, a durable new roof from 2021, and a dedicated mini-split in the primary bedroom for personalized climate control.
Outdoor living is the centerpiece of this home, highlighted by a stunning, brand-new dock completed in 2025 that includes an integrated bait well for effortless fishing right from your backyard. The expansive lot is anchored by a magnificent, mature mango tree that provides both a lush canopy of shade and a bountiful harvest of fresh fruit each season. With no HOA or CDD restrictions, this turnkey oasis combines structural integrity with premier coastal amenities, making it a rare find for boaters, anglers, and those seeking a private tropical sanctuary in the heart of Ruskin.
Description provided by SOUTH CEDAR REAL ESTATE, INC and reproduced from the MLS; not independently verified.
Listing courtesy of SOUTH CEDAR REAL ESTATE, INC · Listing agent: Marissa Danzi · 813-374-7907Provided 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.
Property facts & sources
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
List price$399,000
Bed / bath3 / 2
Living area1,580 sq ft
Year built1958
Property typeSingle Family Residence
MLS #TB8506705
Listing status145 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
CountyHillsborough
Area listings2 active · 0 under contract
Estimated first-year tax~$4,190/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$253
Estimated monthly payment$2,776
Insurance (illustrative)$2k–$4k/yr
Messtimate range$316,000 – $458,200
Comparable-sales median$336,448
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,776/mo
Principal & interest $2,210/mo80%
Taxes $349/mo13%
Insurance $216/mo8%
$2,776/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
What it really costs to own 3325 W Shell Point Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Hillsborough County is $1,816/yr (6,518 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1958. An original roof would be about 68 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,190/yr
Estimate: a typical Hillsborough effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Moderate
HailRelatively High
Cold waveVery High
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Shell Point 1St Add To
Pricing & the Shell Point 1St Add To market
How this home is priced against recent nearby sales, and where Shell Point 1St Add To 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.
Property timeline
This home’s history
1958BuiltPer public record
About May 2026Listed (per MLS)MLS reports 145 cumulative days on market as of October 16, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $449,000
Sep 7, 2026Price cut$425,000 (-$24,000, -5.3%)
Oct 1, 2026Price cut$399,000 (-$26,000, -6.1%)
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.
Transparency
Price & listing history
Listed for $399,000Momentum Realty · on market 145 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jan 2026
$150,000
4339 OLD US HIGHWAY 41, RUSKIN
3 / 1 bd/ba · 1,628 sq ft · $92/sq ft
Courtesy of ALIGN RIGHT REALTY LLC · View details →
Sold Aug 2026
$330,000
718 GRIFFEN HEIGHTS COURT, RUSKIN
3 / 2 bd/ba · 1,530 sq ft · $216/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Sep 2026
$474,900
103 W NORTH BRANCH ROAD, RUSKIN
3 / 2 bd/ba · 1,637 sq ft · $290/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold May 2026
$625,000
109 CARMELINA STREET, RUSKIN
3 / 2 bd/ba · 1,655 sq ft · $378/sq ft
Courtesy of KELLER WILLIAMS SOUTH SHORE · View details →
Sold Nov 2025
$299,900
609 4TH AVENUE, RUSKIN
3 / 1.5 bd/ba · 1,496 sq ft · $200/sq ft
Courtesy of CENTURY 21 LIST WITH BEGGINS · View details →
Sold Oct 2025
$342,895
103 6TH AVENUE, RUSKIN
4 / 2 bd/ba · 1,708 sq ft · $201/sq ft
Courtesy of CENTURY 21 INTEGRA · View details →
Median of these 6 sales: $336,448 ($208/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$296,900the mess$445,300
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,980 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $399,000 ($253/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a 1958 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
2 active listings competing
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 16, 2026.
Momentum Scores
Momentum Property Score
20/100
Strongest on: Flood safety (45), Affordability (19)
0 limited50100 exceptional
20/100 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.
Price vs area0
This home $253/sq ft vs the community 12-month median $208/sq ft.
Affordability19
List price $399,000 vs the community median $336,448. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost15
From FEMA Zone AE and a 1958 build. Obtain a property-specific quote.
Coverage: 4 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.
Momentum Research
The Momentum read
🟡 Asking $253 per square foot, about 22% above the community’s $208 median. Shell Point 1St Add To’s 12-month median sold price per square foot is $208. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 2 active listings in Shell Point 1St Add To, no CDD assessment.
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3325 W SHELL POINT ROAD?
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 SOUTH CEDAR REAL ESTATE, INC · MLS # TB8506705
Request a showing
Keep looking
Similar homes for sale near SHELL POINT 1ST ADD TO
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Carbon dioxide terminal planned at Seaport Manatee for proposed biomethanol plant
Aptamus Carbon Solutions will plan a CO2 terminal and marine transport system at Seaport Manatee tied to Demeter Energy's proposed biomethanol plant. The plant would produce about 100,000 metric tons of biomethanol and capture about 200,000 metric tons of CO2 yearly. Cost and timeline were not disclosed.
Why it matters: Planned industrial and port activity could add maritime and industrial employment at the port. The site is about 12 miles southwest of Shell Point 1st Add To.
New Wimauma middle school under construction, to open August 2027
A new grades 6 through 8 school on West Lake Drive in Wimauma is under construction, and the school board is set to choose its name from three finalists. It is intended as a pathway to Aquilla J. Morgan High School. Districtwide enrollment fell from 183,015 to 171,553 over the last year.
Why it matters: A new public middle school adds local school capacity in one of southern Hillsborough's fastest-growing areas. The project is about 7 miles east of Shell Point 1st Add To, elsewhere in Hillsborough County.
ONE Tampa condo tower tops out at 42 stories with nearly 70% of units sold
Kolter Urban's 42-story tower at North Ashley Drive and East Twiggs Street has 225 residences and is capped at 649 feet by aviation limits. Closings are expected to begin in the third quarter of 2027. About 5,000 square feet of ground-floor restaurant space is planned.
Why it matters: New downtown condo inventory and ground-floor dining add housing choices and walkable amenities near Curtis Hixon Waterfront Park. The project is about 14 miles north of Shell Point 1st Add To, elsewhere in Hillsborough County.
Tampa advances $1.999 million design contract for Picnic Island coastal restoration
Tampa selected HDR Engineering to design a nature-based shoreline plan including living breakwaters, a living shoreline and reinforced dunes. The contract covers design and permitting only, over 458 days, funded by a state resiliency grant. Construction is not yet funded or scheduled.
Why it matters: Shoreline work aims to reduce flood and erosion exposure for Port Tampa City and add park and trail amenities. The project is about 12 miles northwest of Shell Point 1st Add To, elsewhere in Hillsborough County.
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.
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.
School zoningThis address is in the Hillsborough County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3325 W Shell Point Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1958 (68 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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.
Listed living area is 1,580 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 $4,190/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.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 16, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
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.
Answered before you ask
Frequently asked questions
How big is 3325 W Shell Point Road and when was it built?
Per the listing record, 3325 W Shell Point Road was built in 1958 and has 1,580 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3325 W Shell Point Road in?
3325 W Shell Point Road is in Shell Point 1St Add To in Ruskin, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3325 W Shell Point Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 3325 W Shell Point Road differ from the current owner's?
The estimate on this page (about $4,190 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 3325 W Shell Point 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.
Ready when you are
See 3325 W SHELL POINT ROAD 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.
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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
