Waterfront Homes for Sale in Ruskin, FL
This page tracks every Ruskin listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
75 waterfront homes are for sale or pending in Ruskin, FL today across 43 communities. The median asking price is $449,900, from $140,000 to $3,250,000. Listings in Ruskin without that feature have a median of $422,500. Most listings right now: Point Heron (5), Bahia Beach Twnhms Ph 1A (5), Bahia Beach Twnhms Ph 2 (4). Updated September 8, 2026 from the MLS.
Ruskin waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Point Heron | 5 | 0 | $674,000 | $490,000 |
| Bahia Beach Twnhms Ph 1A | 5 | 0 | $375,000 | $345,000 |
| Bahia Beach Twnhms Ph 2 | 4 | 0 | $430,500 | $295,000 |
| Island Resort At Mariners Club | 4 | 0 | $164,500 | $140,000 |
| Antigua Cove Ph 1 | 3 | 0 | $1,349,000 | $895,000 |
| Bahia Del Sol A Condo | 3 | 0 | $265,000 | $259,000 |
| Antigua Cove Ph 3B | 2 | 0 | $972,450 | $965,000 |
| Kims Cove | 2 | 0 | $550,000 | $475,000 |
| Spyglass At River Bend | 2 | 0 | $527,450 | $479,900 |
| Belmont | 2 | 0 | $485,950 | $328,000 |
| Mira Lago West Ph 2A | 2 | 0 | $435,000 | $415,000 |
| Shell Cove Ph 1 | 2 | 1 | $422,499 | $419,999 |
| Belmont Ph 1A | 2 | 0 | $337,450 | $330,000 |
| South Haven | 2 | 0 | $329,199 | $318,499 |
| Lost River Preserve Ph I | 1 | 0 | $3,250,000 | $3,250,000 |
| Lost River Preserve Ph 2 | 1 | 0 | $1,395,000 | $1,395,000 |
| Shell Point Sub | 1 | 0 | $1,275,000 | $1,275,000 |
| Gull Haven Sub | 1 | 0 | $1,124,000 | $1,124,000 |
| Ruskin City Map Of | 1 | 0 | $1,075,000 | $1,075,000 |
| Antigua Cove Ph 1A | 1 | 0 | $775,000 | $775,000 |
| Collura Sub 1St Add | 1 | 0 | $569,000 | $569,000 |
| Bahia Lakes Phase 2 | 1 | 0 | $549,900 | $549,900 |
| Mira Lago West Ph 3 | 1 | 0 | $535,000 | $535,000 |
| Collura Sub | 1 | 0 | $499,900 | $499,900 |
| Belmont South Ph 2E | 1 | 0 | $494,900 | $494,900 |
| North Branch Shores | 1 | 0 | $474,900 | $474,900 |
| Careys Pirates Point | 1 | 0 | $469,900 | $469,900 |
| Bahia Beach Townhomes Ph 1A | 1 | 0 | $469,900 | $469,900 |
| Bahia Lakes Ph 3 | 1 | 0 | $469,000 | $469,000 |
| Bahia Lakes Ph 2 | 1 | 0 | $429,999 | $429,999 |
| Mira Lago West Ph 2B | 1 | 0 | $425,000 | $425,000 |
| Pelican Point | 1 | 0 | $399,000 | $399,000 |
| River Bend Ph 4A | 1 | 0 | $394,000 | $394,000 |
| Shell Point 1St Add To | 1 | 0 | $380,000 | $380,000 |
| Bayridge | 1 | 0 | $355,000 | $355,000 |
| Bahia Beach Twnhms Ph 02 | 1 | 0 | $319,900 | $319,900 |
| Bahia Del Sol Ii A Condo | 1 | 0 | $309,900 | $309,900 |
| Addison Manor | 1 | 0 | $299,000 | $299,000 |
| Bahia Del Sol A Condominium | 1 | 0 | $295,000 | $295,000 |
| River Bend Phase 3B | 1 | 0 | $289,900 | $289,900 |
| Bayou Pass Village Phase Four | 1 | 0 | $270,000 | $270,000 |
| Glencove At Bay Park | 1 | 0 | $249,000 | $249,000 |
| Wynnmere West Ph 2 & 3 | 1 | 0 | $239,950 | $239,950 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Ruskin?
What do waterfront homes cost in Ruskin?
Which Ruskin community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Ruskin
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- Waterfront Homes in every city
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Ruskin, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.