
3228 MANGROVE POINT DRIVE, RUSKIN, FL, 33570
Active1 days on marketListed Aug 6, 2026MLS #TB8532093
About this home
3228 MANGROVE POINT DRIVE
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.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,593
Sqft
0.05 ac
Lot size
1
Garage
2007
Year built
Two
Levels
$261
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,014 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,014/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Ruskin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
The numbers that matter
The Ruskin market
$315K → $318K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Jesus Claudio
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3228 MANGROVE POINT DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3228 MANGROVE POINT DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jesus's phone and CRM.
Straight answers
3228 MANGROVE POINT DRIVE FAQs
What would the monthly payment be for 3228 MANGROVE POINT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,014/mo — principal and interest, the actual property-tax bill, the $620/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3228 MANGROVE POINT DRIVE?+
The association fee works out to $620 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3228 MANGROVE POINT DRIVE?+
The most recent tax bill on record (2025) was $7,292. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3228 MANGROVE POINT DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $415,000, this home is listed about 19% above the Ruskin median of $349,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$415,000 runs 19% above the Ruskin median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $620/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 1 day on market in a Ruskin market that averages 53 — if it fits, move quickly.
Listing courtesy of RE/MAX BAYSIDE REALTY LLC · Roxanne Esch. MLS #TB8532093.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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