$1,099,000

3036 Christophers Watch Lane

Ruskin, FL 33570

Active
3
Beds
3
Baths
2,807
Sq Ft
0.24
Acres
2020
Built
WaterfrontWater accessFireplace3-car garage$392/sqft
🏠Single Family Residence

Property type

🏗️2020

Year built

📐10,324 sqft

Lot size

📊$392

Price / sq ft

🏘️$140/mo

HOA dues

📅115

Days on market

🚗3

Garage spaces

🌊AE

Flood zone

About this home

Significant Price Reduction! Rare opportunity to own a luxury WATERFRONT retreat with private dock at an exceptional new price. This home combines elegance, comfort, and direct water access to Tampa Bay - offering unbelievable value for the discerning buyers. This exquisite WATERFRONT home features a composite boat dock with lift, additional 32’ floating aluminum dock, and one of the few largest premium lots with an expansive 133 feet of shore line. The deep, sailboat water located within the resort community of Little Harbor is a boater’s dream with quick access to the Bay and Gulf with no lifts or bridges. Upon entering the home the first thing that greets you is the expansive, breathtaking water views from the Great Room. The home’s versatile open floor plan featuring sand colored, wood flooring is perfect for entertaining a large gathering of family and friends as well as more intimate settings. The spacious kitchen is a chef's delight with a gas cook top, quartz countertops, extensive storage cabinets with under mount lighting, pantry, and an oversized center island with plenty of inviting seating available. From the living area, the large, private lanai with outdoor kitchen and seating beckons. Enjoy the soothing water views each morning, afternoon, and evening with a beverage of your choice as the variety of birds as well as the dolphin and manatee entertain. The first floor also features the primary bedroom with an electric fireplace and ensuite bathroom, a half bath, laundry room, dining area and a flex space that can also be used as a formal dining room. As you take the stairs or choose the convenient 3-stop ELEVATOR to the second level, the additional bedrooms do not disappoint. This floor not only offers additional size in the form of a large loft, but a desirable spacious, covered terrace for enhanced, sweeping views of the waterfront and sunset skies. This premium, oversized waterfront lot is large enough for a significant sized pool. The Seller hired a certified engineer to draw plans, which were submitted and approved by the Architectural Review Board and can be shared with the home’s new owner. For the car enthusiast, with 12’ ceilings the split 3-car garage can easily accommodate twice as many cars with the addition of lifts. Additional electrical was also added to house a generator. The extensive amenities exemplify the spirit of the Florida lifestyle offering a clubhouse, fitness center, social/game rooms, pool with waterfall, tennis and pickle ball courts, bocce, an onsite white sand beach with water sports rentals, 2 restaurants, 2 marinas with Freedom Boat Club options, a playground, a newly constructed fishing pier and fishing charters. There is only "one" Little Harbor - offering an onsite beach, marinas, restaurants, a hotel, and so much more on one property. Shopping, restaurants, medical facilities, are all nearby with Tampa, St. Petersburg, and Sarasota within a 30-45 minutes drive. Even Disney World is near by within about a 90 minute drive to take advantage of "The Magic Kingdom, where dreams come true". Don’t miss this unique opportunity to enjoy the Florida Coastal lifestyle. Make your appointment to view today!

Estimated monthly payment

Principal & interest$5,557
Property taxes$1,488
Home insurance (est.)$504
HOA dues$140

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history115 days on market

  1. Status: Active
    Jan 10, 2026
  2. Listed$1,275,000
    Jan 10, 2026
  3. Price reduced$1,099,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
115
Cumulative DOM
298
Subdivision
Antigua Cove Ph 1
County
Hillsborough
Year built
2020
Living area
2,807 sq ft
Price/sq ft
$392
Building area
4,390 sq ft (Public Records)
Lot size
10,324 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12057C0651J)
Garage
3 spaces
Annual taxes
$17,857 (2025)
Parcel #
U-02-32-18-953-000001-00023.0
Zoning
PD
MLS #
A4677590

Interior Details

Bedrooms
3
Full bathrooms
2
Half bathrooms
1
Flooring
Carpet, Wood
Appliances
Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range Hood, Refrigerator, Tankless Water Heater, Touchless Faucet, Washer, Water Filtration System, Water Purifier
Interior features
Ceiling Fans(s), Coffered Ceiling(s), Crown Molding, Elevator, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Smart Home, Solid Wood Cabinets, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
Laundry
Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
Stories / Levels
Two
Direction faces
South
Fireplace
Yes

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
3
Attached garage
Yes
Parking features
Garage Door Opener, Ground Level, Garage

HOA & Financial

HOA fee
$140 / Monthly
Monthly HOA
$140/mo
Total monthly fees
$315/mo
Total annual fees
$3,780
HOA name
Excelsior Comm Mgmt LLC
CDD
Yes
Homestead exemption
Yes
Min lease term
1-2 Years
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Check with HOA to confirm lease restrictions

Exterior & Construction

Exterior features
Balcony, Rain Gutters, Sliding Doors, Sprinkler Metered
Construction materials
Block, Frame
Roof
Tile
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Propane, Public, Sewer Connected, Sprinkler Meter, Underground Utilities, Water Connected

Community

Pets allowed
Yes

Schools

ElementaryThompson ElementaryGreatSchools ↗
MiddleShields-HBGreatSchools ↗
High SchoolLennard-HBGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Living RoomFirst16x19
Dining RoomFirst13x17
KitchenFirst13x18
DinetteFirst12x12
Primary BedroomFirst15x16
Bedroom 2Second12x11
Bedroom 3Second12x11
LoftSecond13x19

Listing Details

Listing date
2026-01-10
On market date
2026-01-10
Original list price
$1,275,000
Occupant type
Owner
MLS area
33570 - Ruskin/Apollo Beach
Listing AOR
Sarasota - Manatee
Status changed
2026-01-10
Tax legal description
ANTIGUA COVE PHASE 1 LOT 23 BLOCK 1

Flood risk

High riskFEMA Zone AEPanel 12057C0651J

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

I75 to Exit 240 towards Ruskin. Right on US Hwy 41. Left at the light Shell Pt. Rd. Right on 32nd St into Little Harbor. At the stop sign continue straight, following the road through the gate. Left at the round about - second exit onto Christophers Watch Lane. House will be on the cul de sac bearing left.

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MLS GRID

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.

Based on information submitted to the MLS GRID as of May 5, 2026 at 10:25 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA