Bahia Beach Townhomes in Ruskin

Bahia Beach
Townhomes in Ruskin, FL

Townhome community, mid 2000s to 2019 · Hillsborough County · ZIP 33570

A gated waterfront townhome community inside Little Harbor on Tampa Bay in Ruskin, the residential read where flood, insurance, and the short-term-rental mix decide the buy.

Tampa Bay waterfrontLittle Harbor gated resortOwner and rental mix
Live Market Pulse
35/100
Momentum
Buyer's Market
This is a waterfront townhome community inside a larger gated resort, so the honest read is the HOA and CDD, the master amenities, the short-term-rental mix, and the Tampa Bay flood and surge picture, not just a sale price. Confirm every line per unit and per the latest association and district documents.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
$292K
Median Price
16.8mo
Supply
178days
Avg DOM
Soft
Seller Leverage
$257/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Bahia Beach Townhomes is the townhome side of Little Harbor, a gated waterfront resort community on Tampa Bay in Ruskin, so the read is part community and part diligence project. The value drivers are the master amenities and gate, the layered governance of a master Little Harbor POA plus a townhome sub-association and the SouthBay Community Development District, the short-term-rental culture that lets owners run seven day rentals, and above all the waterfront flood and storm-surge exposure on the bay. The townhomes span the mid 2000s original Phase 1A through later phases into 2019, so age, construction, and elevation vary by building and have to be read per unit. This is mainland Ruskin, not a Gulf barrier-island vacation strip, but the rental mix is real and a buyer should decide whether they want a primary home, a part-time place, or income. Your leverage is reading the HOA budget, the CDD assessment, the FEMA flood zone, the surge history, and the insurance math honestly before you fall for the marina and the beach."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Bahia Beach Townhomes market snapshot (as of June 25, 2026): the median sale price is about $292K ($257 per sq ft), with homes averaging 178 days on market and 16.8 months of supply, a buyer's market. Based on 10 recent closings in live Stellar MLS data.

Bahia Beach Townhomes is the townhome component of Little Harbor, a gated waterfront community on Tampa Bay in Ruskin, in the southernmost part of Hillsborough County (Little Harbor Property Owners Association and multiple Ruskin real estate guides, 2026). The community was originally marketed as Bahia Beach and is now generally branded Little Harbor, with the townhome phases including the original Bahia Beach Townhomes Phase 1A from the mid 2000s.

The community was developed by Little Harbor Holding LLC, with townhome construction spanning roughly 2006 to 2019, so the stock ranges from older original buildings to newer phases (Ruskin new-home and listing guides, 2026). Floor plans are generally two to four bedroom townhomes in a broad size band, with private and bay-view exposures depending on the building. Confirm the exact year built, size, bedroom count, elevation, and exposure for any specific unit, since they vary meaningfully across phases.

Governance here is layered, which is the part most buyers underrate. The master Little Harbor Property Owners Association oversees the gate, the common areas, and the shared amenities, a townhome sub-association covers the buildings, and the community sits inside the SouthBay Community Development District, so a CDD assessment can appear on the tax bill (Little Harbor POA and SouthBay CDD, 2026). Read the HOA dues, the sub-association rules, and the CDD line together, not in isolation, and confirm them per unit.

The pitch is a resort-style waterfront address with a private beach on Tampa Bay, marinas with slips and dry storage, pools, a fitness center, courts, and waterfront dining, with downtown Tampa, St. Petersburg, and Sarasota all a manageable drive via Interstate 75. The community also allows short-term rentals as brief as seven days, so a meaningful share of units operate as vacation rentals under the Little Harbor Resort banner. The work is the diligence: read the HOA and CDD, quote flood and wind insurance, check the surge zone, and decide whether the rental mix fits how you want to live or invest.

Best for

  • Buyers who want a gated waterfront townhome with marina and beach access
  • Boaters who value deep-water slips and dry storage on Tampa Bay
  • Buyers comfortable with a community where short-term rentals are common
  • Buyers who will read the HOA, the CDD, and the flood and insurance math

Probably not for

  • Buyers who want a quiet all owner-occupied street with no rental turnover
  • Anyone unwilling to verify HOA dues, the CDD line, and the flood zone per unit
  • Buyers who want a single-family home with a large private yard
  • Buyers uncomfortable with waterfront storm-surge and flood-insurance exposure

How Bahia Beach Townhomes is performing right now

35/100
momentum
Buyer's Market
Seller's marketBalancedBuyer's market
16.8Months of supplytight
96Median days on marketdays
1 : 14Under contract vs for salestrong demand
10Sold in last 12 monthsliquidity
+6%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Bahia Beach Townhomes listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Bahia Beach Townhomes buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Bahia Beach Townhomes

Live MLS inventory for Bahia Beach Townhomes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Bahia Beach Townhomes listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The Club & Membership

15-Second Take
  • Optional, member-owned club, separate from the POA
  • ~$30M renovation underway, 2026 to 2028
  • 18-hole course, clubhouse, pool, 10 clay courts
  • Strong value vs Ponte Vedra clubs
  • Budget the membership separately from the home

Bahia Beach Townhomes is the townhome side of the gated Little Harbor resort community on Tampa Bay, so the lifestyle is waterfront resort living behind a gate. Shared amenities described by the community and listings include a private white-sand beach with views toward St. Petersburg and the Sunshine Skyway, marinas with slips and dry storage, multiple heated pools, a fitness center, tennis and pickleball courts, and waterfront restaurants and a tiki bar. The community also allows short-term rentals as brief as seven days, so a meaningful share of units operate as vacation rentals, which shapes the day-to-day feel. Amenity access, rental rules, pet rules, and parking vary by phase and association, so confirm the current rules and what each unit includes before you buy.

The takeaway

Bahia Beach Townhomes trades a central location for a gated waterfront resort address, with the marina and beach inside the gate and Tampa, St. Petersburg, and Sarasota all a manageable drive via Interstate 75.

Little Harbor marina and private beach~1 min walk · inside the gate
Ruskin shops and dining~10 to 15 min · everyday errands
Interstate 75~10 to 15 min · regional access
Apollo Beach~15 to 20 min · neighboring waterfront
Downtown Tampa~30 to 45 min · to the north
St. Petersburg~30 to 45 min · across the bay
Sarasota and Bradenton~35 to 50 min · to the south

Distances and times are approximate and vary with traffic and the specific unit. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Bahia BeachTownhomes with Momentum Realty’s local guides.

SCSouthShoreYacht ClubRuskin, FL · 0.5 miMVMarina Viewat Little Harbor Homes for Sale in Ruskin, FLRuskin, FL · 0.6 miNBNorth Branch ShoresRuskin, FL · 1.3 miPHPoint HeronRuskin, FL · 1.8 miOSOspreyReserveRuskin, FL · 2.3 miLRLost River Preserve Homes for Sale in Ruskin, FLRuskin, FL · 2.3 miRCRuskin City,Historic Core Homes for SaleRuskin, FL · 2.4 miVBVenetian at Bay Park Homes for Sale in Ruskin, FLRuskin, FL · 2.5 miRHRuskin Homes for SaleRuskin, FL · 2.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Bahia Beach Townhomes (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Hillsborough County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Bahia Beach Townhomes is served by Hillsborough County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Hillsborough County Public Schools (verify by address)

Verifyrating
By address

Confirm zoned elementary, middle, and high

Verifyrating
Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Bahia Beach Townhomes address.

The takeaway

What is actually shaping value at Bahia Beach Townhomes: the Tampa Bay storm-surge and flood picture after the 2024 hurricane season, Florida condo and HOA safety and reserve rules, and the community short-term-rental mix. Each item is sourced and dated.

Recent Developments in Bahia Beach Townhomes

Our read on what is being built around Bahia Beach Townhomes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishResort-style waterfront amenities and seven day rental rights support demand, with the watch items being the bayfront surge and flood-insurance picture, the stacked HOA and CDD carrying load, and reserve requirements under Florida law.

Tampa Bay waterfront storm-surge and flood exposure

Ongoing
NeutralMajor impact
SignificanceRadius: Community

The community is waterfront in a coastal evacuation zone, so the FEMA zone, elevation, surge history, and flood and wind insurance are critical diligence per unit.

2024 hurricane season surge in southern Hillsborough

2024
BearishNotable impact
SignificanceRadius: Area

Helene and Milton brought surge and high water to southern Hillsborough waterfront communities, a reminder to verify the surge and insurance picture before buying.

Florida condo and HOA reserve and safety rules

2025
NeutralNotable impact
SignificanceRadius: Community

Structural reserve studies and inspection rules can raise dues or trigger assessments, so the reserve and budget read is essential for the townhome and master associations.

Layered HOA, sub-association, and SouthBay CDD costs

Ongoing
NeutralNotable impact
SignificanceRadius: Community

A master POA fee, a townhome fee, and a CDD assessment can all apply, so the true carrying cost has to be summed before judging value.

Short-term-rental mix under the Little Harbor Resort banner

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Seven day rentals are allowed and many units operate as vacation rentals, which supports income flexibility but adds turnover, so confirm the rental mix in your building.

Gated resort amenities and marina access

Ongoing
BullishNotable impact
SignificanceRadius: Community

A private beach, marinas with slips and dry storage, pools, and waterfront dining underpin the resort case that supports demand on Tampa Bay.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Bahia Beach Townhomes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. October 2024
    Resilience

    Southern Hillsborough waterfront communities face surge from Helene and brace for Milton

    FOX 13 Tampa Bay reported that southern Hillsborough County communities including Ruskin and nearby Apollo Beach saw storm surge from Hurricane Helene and then boarded up and evacuated mandatory Zone A ahead of Hurricane Milton, with surge of 10 to 15 feet projected for Tampa Bay. Why it matters: Waterfront communities in this part of Ruskin sit in a coastal surge zone, so the FEMA flood zone, elevation, and insurance must be read per unit before buying. Source

  2. January 2025
    Regulation

    Florida structural reserve-study and inspection deadlines take effect

    Under Florida building-safety law, many associations had to complete structural integrity reserve studies by the end of 2025, with milestone structural inspections required for taller buildings near the coast, and associations can no longer waive reserves for critical structural items. Why it matters: Reserve and assessment requirements now shape the carrying cost of Florida community associations, so the reserve study and budget are core diligence for the townhome and master associations here. Source

Development alerts for Bahia Beach TownhomesGet a short monthly email when something new is approved, funded, or opens near Bahia Beach Townhomes.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Bahia Beach Townhomes, this is the order of operations we would run, and the one we run for our clients.

1

Read the HOA budget and the CDD assessment together. A master Little Harbor POA fee, a townhome sub-association fee, and a SouthBay CDD line can all apply, so add them up before you judge the carrying cost.

2

Quote flood and wind insurance for the exact unit. On Tampa Bay waterfront, the flood and wind lines move the monthly math, so get the real numbers and the elevation early.

3

Check the FEMA flood zone and storm-surge history. This area sits in a coastal evacuation zone and saw surge in the 2024 storms, so confirm the zone, the elevation, and any past intrusion for the specific building.

4

Decide owner-occupied, part-time, or rental. The community allows seven day short-term rentals, so confirm the rental mix in your building and whether it fits how you plan to use the home.

5

Cross-shop other Tampa Bay waterfront communities on the neighborhoods map if a different governance, rental, or flood profile fits you better.

Best Buy
A newer-phase townhome with a documented elevation and a clean flood and insurance read
Biggest Risk
Stacked HOA and CDD costs, surge exposure, and a heavy short-term-rental mix
Best Lot
A higher, well-elevated waterfront-access unit with verified surge and flood history
Smart Timing
Confirm the HOA, the CDD, the flood zone, and the insurance before you offer
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Bahia Beach Townhomes is the townhome side of the gated Little Harbor resort community on Tampa Bay, so the lifestyle is waterfront resort living behind a gate. Shared amenities described by the community and listings include a private white-sand beach with views toward St. Petersburg and the Sunshine Skyway, marinas with slips and dry storage, multiple heated pools, a fitness center, tennis and pickleball courts, and waterfront restaurants and a tiki bar. The community also allows short-term rentals as brief as seven days, so a meaningful share of units operate as vacation rentals, which shapes the day-to-day feel. Amenity access, rental rules, pet rules, and parking vary by phase and association, so confirm the current rules and what each unit includes before you buy.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Unit
$215K to $289K

An older-phase or smaller townhome, the affordable way into the gate, where condition, elevation, and the flood read drive value.

Lowest entry
The Core Waterfront
$289K to $385K

A mid to newer-phase townhome with strong amenity access and a clean flood read, the heart of the resale market here.

Most inventory
The Top
$385K to $455K

A newer, well-elevated unit with the best bay exposure and marina access, the units that hold value best in the community.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$215K to $289K
The Entry Unit
An older-phase or smaller townhome, the affordable way into the gate, where condition, elevation, and the flood read drive value.
$289K to $385K
The Core Waterfront
A mid to newer-phase townhome with strong amenity access and a clean flood read, the heart of the resale market here.
$385K to $455K
The Top
A newer, well-elevated unit with the best bay exposure and marina access, the units that hold value best in the community.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Golf and lake lots resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Building age and phaseSpans mid 2000s to 2019, varies by building
Flood and surge exposureTampa Bay waterfront, verify zone and elevation
HOA, sub-association, and CDD loadStacked costs, sum them before you judge value
Amenities and marina accessPrivate beach, marinas, pools inside the gate
Unit interior updatesVaries by unit and phase, read condition per listing

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Bahia Beach Townhomes

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Ignoring the optional club cost
  • Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. Every one is avoidable with the right preparation before you tour.

Bahia Beach Townhomes is a gated waterfront community, not a single sale price. The deal is won or lost on the HOA and CDD, the rental mix, the flood and surge picture, and the unit.

Jon Brooks · Founder, Momentum Realty
6.8B- · Buy Score
Resale Strength6.6/10
Renovation Risk5.0/10
Location Efficiency7.2/10
Long-Term Defensibility6.4/10
Carrying Cost Advantage5.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Bahia Beach Townhomes is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • In this community, the unit, the phase, and the elevation set value
  • Newer, higher-elevated waterfront units hold value best
  • Confirm the FEMA flood zone and surge history per unit
  • Add the HOA, sub-association, and CDD costs before you judge value
  • Quote flood and wind insurance for the exact unit

In a gated waterfront townhome community, the part of your money the market protects is the unit, its phase and elevation, and its amenity and marina access, set against the carrying load behind it. Newer, well-elevated units with a clean flood read and strong amenity access hold value better than older or lower units facing surge exposure and a heavy stacked HOA and CDD load. The interior can be renovated; the elevation, the flood zone, and the surge picture cannot. Read the HOA budget, the CDD assessment, the flood zone, and the surge history first, then price the condition of the unit against them.

Bahia Beach Townhomes in 15 seconds.

Best forBuyers who want a gated waterfront townhome with marina and beach access on Tampa Bay.
Biggest advantageA resort-style waterfront address with marinas, a private beach, and pools inside the gate.
Biggest riskStacked HOA and CDD costs, surge exposure, and a heavy short-term-rental mix.
Sweet spotA newer-phase, well-elevated unit with a clean flood and insurance read.
Avoid ifYou want a quiet all owner-occupied street or a single-family home with a yard.

HOA, CDD & Insurance

15-Second Take
  • Add the master POA fee, the townhome fee, and the CDD line together
  • Confirm whether a SouthBay CDD assessment is on the tax bill
  • Ask what the townhome fee covers and what each owner insures
  • Carry flood and wind coverage on the Tampa Bay waterfront
  • Verify the flood zone, elevation, and surge history per unit

This community carries layered costs: a master Little Harbor POA fee for the gate and shared amenities, a townhome sub-association fee for the buildings, and in many cases a SouthBay Community Development District assessment on the tax bill. The dues line alone does not tell the story; the CDD line and the waterfront insurance lines matter as much. Confirm the current HOA dues, the sub-association rules, and the CDD assessment from the latest documents for the exact unit.

Association fees here generally cover access to the master amenities such as the pools, fitness center, courts, private beach, and gate, and listings indicate the townhome fee can cover items like water, sewer, trash, cable, and exterior maintenance, though inclusions vary by building and phase. Owners still carry their own interior coverage and, on the waterfront, should confirm flood and wind coverage separately. Verify exactly what each fee covers, what the CDD funds, and what each owner must insure.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Bahia Beach Townhomes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Apollo Beach waterfront, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Bahia Beach Townhomes home worth?

Get a no-obligation home value based on real comparable sales in Bahia Beach Townhomes matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Bahia Beach Townhomes on the map →
Or get your Bahia Beach Townhomes home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Hillsborough County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,065/mo
Hillsborough County typical true cost to own
$151/mo
Hillsborough County typical home insurance
Has a CDD
Bond assessment on top of taxes

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

7% of homes for sale in Bahia Beach Townhomes are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-06-25).

Bahia Beach Townhomes Market Scorecard

Strong buyer's market

Bahia Beach Townhomes is currently a strong buyer's market. About 16.8 months of supply, a median asking price of $409,000, and homes go under contract in about 96 days.

16.8
Months supply
$409,000
Median list
$292,000
Median sold
$271
Per sqft
96
Days on mkt
14/1/10
Active/Pend/Sold

Typical home value in the 33570 ZIP is $314,757, about 8.2% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Bahia Beach Townhomes?
It is the townhome component of the gated Little Harbor community on Tampa Bay in Ruskin, Hillsborough County, ZIP 33570, in the southernmost part of the county. The community was originally marketed as Bahia Beach.
Is Bahia Beach the same as Little Harbor?
Largely yes. Little Harbor, formerly known as Bahia Beach, is the gated master community, and Bahia Beach Townhomes is its townhome component. Listings may use either name, so confirm the exact community, building, and address on any listing.
When were the townhomes built?
The townhome phases span roughly the mid 2000s through 2019, with the original Bahia Beach Townhomes Phase 1A dating to around 2006 to 2007 (Ruskin real estate guides, 2026). Age and construction vary by building, so confirm the year built per unit.
Who developed the community?
It was developed by Little Harbor Holding LLC (Ruskin new-home guides, 2026). Confirm the builder and warranty details for any specific phase or building with the listing.
What unit types are available?
Guides cite generally two to four bedroom townhomes across a broad size range, with varied exposures and some waterfront or bay-view positions. Confirm the exact size, bedroom count, elevation, and exposure for any specific unit.
What does the HOA cover and is there a CDD?
There is a layered structure: a master Little Harbor POA fee for the gate and amenities, a townhome sub-association fee, and in many cases a SouthBay Community Development District assessment on the tax bill. Confirm the current dues, the sub-association rules, and the CDD line per unit.
Are short-term rentals allowed?
Yes. The community allows short-term rentals as brief as seven days, and a meaningful share of units operate as vacation rentals under the Little Harbor Resort banner. Confirm the current rental rules and the rental mix in your specific building before you buy.
What amenities does the community offer?
Inside the gate, residents have access to a private beach on Tampa Bay, marinas with slips and dry storage, multiple pools, a fitness center, tennis and pickleball courts, and waterfront dining and a tiki bar. Confirm current amenity access, fees, and rules with the association.
Should I worry about flooding and storm surge?
Yes, take it seriously. The community is waterfront on Tampa Bay in a coastal evacuation zone, and southern Hillsborough communities saw storm surge in the 2024 hurricanes (FOX 13 Tampa Bay, 2024). Always check the FEMA flood zone, the unit elevation, and the surge history, and quote flood and wind insurance for the exact unit.
What insurance do I need as an owner?
Beyond what the associations cover, you carry your own interior coverage, and on the waterfront you should confirm flood and wind coverage and review any master-policy deductibles. Quote the specific unit and confirm the elevation before you buy.
Do Florida condo and HOA safety rules affect this community?
Florida tightened structural reserve-study and inspection rules, with structural integrity reserve studies due for many associations by the end of 2025 and milestone inspections for taller buildings (Florida Engineering, 2025). Read the current reserve study and budget for the townhome and master associations as part of diligence.
What schools serve the community?
It is part of Hillsborough County Public Schools, with assignment by address that can change. Confirm the exact zoned elementary, middle, and high schools for the specific unit, and note that magnet and choice options may apply.
What is nearby?
Interstate 75, shopping, restaurants, and medical facilities are close, and downtown Tampa, St. Petersburg, Bradenton, and Sarasota are all a manageable drive. Confirm real drive times for your routine, since the community sits at the end of a waterfront access road.
Is Bahia Beach Townhomes a good investment?
A gated waterfront address with marina access and seven day rental rights supports demand, but the HOA and CDD load, the rental mix, and the waterfront flood and insurance lines drive the outcome. This is not a guarantee of future value; read the documents and the math.
Who is the best real estate agent for Bahia Beach Townhomes?
The best agent for Bahia Beach Townhomes is one who actively works Ruskin and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Bahia Beach Townhomes.
How do I find a top Ruskin real estate agent who knows Bahia Beach Townhomes?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Bahia Beach Townhomes and the wider Ruskin area.
Can Momentum Realty connect me with an agent for Bahia Beach Townhomes?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Bahia Beach Townhomes purchase or sale — no call center and no pressure.
Buyers who want a gated waterfront townhome with marina and beach accessExcellent fit
Boaters who value deep-water slips and dry storage on Tampa BayExcellent fit
Buyers comfortable with a community where short-term rentals are commonExcellent fit
Buyers who will read the HOA, the CDD, and the flood and insurance mathExcellent fit
Buyers who want resort-style amenities and a lock-and-leave optionExcellent fit
Buyers who want a quiet all owner-occupied street with no rental turnoverProbably not
Anyone unwilling to verify HOA dues, the CDD line, and the flood zone per unitProbably not
Buyers who want a single-family home with a large private yardProbably not
Buyers uncomfortable with waterfront surge and flood-insurance exposureProbably not
Buyers unwilling to budget for stacked HOA, sub-association, and CDD costsProbably not

Get the inside read on Bahia Beach Townhomes

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Bahia Beach Townhomes home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Bahia Beach Townhomes specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Bahia Beach Townhomes — what to look for, questions to ask, and your local expert.
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Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.

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