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.
62 waterfront homes are for sale or pending in Ruskin, FL today across 34 communities. The median asking price is $407,499, from $160,000 to $3,250,000. Listings in Ruskin without that feature have a median of $324,950. Most listings right now: Point Heron (4), Bahia Beach Twnhms Ph 1A (4), Bahia Del Sol A Condo (4). Updated October 17, 2026 from the MLS.
Live waterfront homes in Ruskin: the listings
54 active listings carry the flag today (20% of Ruskin inventory), median asking $420,000, $255/sq ft, median 76 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Ruskin
The most expensive waterfront homes in Ruskin
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 3215 Gulf City Road | $3,250,000 | 8,769 | lost river preserve |
| 2805 Gulf City Road | $1,800,000 | 2,079 | — |
| 3422 W Shell Point Road | $1,275,000 | 3,100 | — |
| 2309 Cypress Walk Way | $1,274,995 | 3,520 | — |
| 815 2Nd Avenue | $1,075,000 | 5,006 | Ruskin City Map |
| 1603 W Shell Point Road | $799,000 | 3,837 | — |
| 819 Blue Heron Boulevard | $750,000 | 2,719 | Point Heron |
| 806 Blue Heron Boulevard | $675,000 | 1,566 | Point Heron |
| 102 W North Branch Road | $649,000 | 1,940 | — |
| 10039 Smarty Jones Drive | $643,900 | 4,328 | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 10 | 19% |
| $300K–$500K | 30 | 56% |
| $500K–$750K | 7 | 13% |
| $750K–$1M | 2 | 4% |
| $1M+ | 5 | 9% |
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 | 4 | 0 | $674,500 | $490,000 |
| Bahia Beach Twnhms Ph 1A | 4 | 0 | $387,500 | $345,000 |
| Bahia Del Sol A Condo | 4 | 0 | $302,000 | $259,000 |
| Bahia Beach Twnhms Ph 2 | 3 | 0 | $415,000 | $295,000 |
| Shell Cove Ph 1 | 3 | 0 | $399,999 | $309,900 |
| South Haven | 3 | 0 | $335,000 | $318,499 |
| Island Resort At Mariners Club | 3 | 0 | $169,000 | $160,000 |
| Kims Cove | 2 | 0 | $550,000 | $475,000 |
| Spyglass At River Bend | 2 | 0 | $527,450 | $479,900 |
| Belmont | 2 | 0 | $481,450 | $319,000 |
| Mira Lago West Ph 2A | 2 | 0 | $401,700 | $374,900 |
| Lost River Preserve Ph I | 1 | 0 | $3,250,000 | $3,250,000 |
| Shell Point Sub | 1 | 0 | $1,275,000 | $1,275,000 |
| Gull Haven Sub | 1 | 0 | $1,099,000 | $1,099,000 |
| Ruskin City Map Of | 1 | 0 | $1,075,000 | $1,075,000 |
| Mira Lago West Ph 3 | 1 | 0 | $535,000 | $535,000 |
| Bahia Lakes Phase 2 | 1 | 0 | $534,900 | $534,900 |
| Collura Sub | 1 | 0 | $489,900 | $489,900 |
| Careys Pirates Point | 1 | 0 | $469,900 | $469,900 |
| Bahia Beach Townhomes Ph 1A | 1 | 0 | $469,900 | $469,900 |
| Bahia Beach Townhomes Ph 2 | 1 | 0 | $439,900 | $439,900 |
| 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 |
| Spencer Crk Ph 2 | 1 | 0 | $379,000 | $379,000 |
| Bahia Lakes Ph 2 | 1 | 0 | $374,900 | $374,900 |
| Bahia Beach Twnhms Ph 02 | 1 | 0 | $319,900 | $319,900 |
| Bahia Del Sol A Condominium | 1 | 0 | $295,000 | $295,000 |
| Venetian At Bay Park | 1 | 0 | $289,900 | $289,900 |
| Bahia Del Sol Ii A Condo | 1 | 0 | $285,000 | $285,000 |
| River Bend Phase 3B | 1 | 0 | $284,900 | $284,900 |
| 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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- Ruskin gated community homes
- Ruskin 4-bedroom homes
- Ruskin homes under $300K
- Ruskin homes $300K–$500K
- Waterfront Homes in every city
Waterfront Homes in nearby Hillsborough County cities
- Tampa waterfront homes (306 for sale)
- Apollo Beach waterfront homes (149 for sale)
- Riverview waterfront homes (71 for sale)
- Lutz waterfront homes (50 for sale)
- Wimauma waterfront homes (38 for sale)
- Sun City Center waterfront homes (35 for sale)
- Plant City waterfront homes (21 for sale)
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.