$359,900
515 Bahia Beach Boulevard
Ruskin, FL 33570
Listing updated: June 14, 2026 at 1:05 PM ET
Listing courtesy of Lpt Realty, Llc · Michael Simpkins · MLS #TB8492369 · Active · 877-366-2213Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to coastal living in the highly sought-after Little Harbor community! This well-appointed 2-bedroom, 2.5-bathroom townhome offers the perfect blend of lifestyle, flexibility, and income potential—ideal as a primary residence, vacation getaway, or short-term rental investment. Wake up to tranquil canal and marina views from your private lanai, where frequent dolphin sightings and breathtaking waterfront scenery create the perfect backdrop for your morning coffee. Just a short stroll away, enjoy Little Harbor's private beach and spectacular sunsets over Tampa Bay. Little Harbor is more than a community—it's a waterfront lifestyle. Residents and guests enjoy an impressive array of resort-style amenities, including a community pool, fitness center, pickleball courts, full-service marina, and access to boat and jet ski rentals. Spend your days lounging by the pool, relaxing on the beach, exploring Tampa Bay by boat, or enjoying the many recreational opportunities throughout the community. On-site dining options include popular waterfront destinations such as Hooks Bar & Grill and Sunset Grill, where you can enjoy waterfront dining, tropical drinks, and live music while taking in beautiful bay views. Important Disclosure (Updated as of March 31, 2026): The seller has submitted an application for a potential private dock, which is currently under review with the appropriate authorities. The dock is not approved, not permitted, and not constructed. Approval is not guaranteed. Buyers are strongly encouraged to conduct their own independent due diligence with the county and all applicable regulatory agencies to verify the status, requirements, timelines, and feasibility prior to purchase. Whether you're looking to generate rental income, enjoy a personal waterfront retreat, or embrace the coastal resort lifestyle, this property offers exceptional value in one of Tampa Bay's premier waterfront communities.
Local Insight
At $286/sqft for a 2006 townhouse in an AE flood zone, you're paying a premium for waterfront access that comes with real insurance and elevation costs—worth calculating carefully before committing. The $751 monthly HOA is steep for a place this size, so factor that against what you're actually getting in amenities and what flood insurance will run you annually. Location-wise, Ruskin's appeal is limited if you need walkable urban amenities, so make sure the water views and boating access justify the tradeoff and the long commute anywhere else.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
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 history69 days on market
- Status: ActiveApr 6, 2026
- Listed$399,900Apr 6, 2026
- Price reduced$359,900
Facts & features
- Property type
- Residential
- Sub type
- Townhouse
- Status
- Active
- Days on market
- 69
- Subdivision
- Bahia Beach Twnhms Ph 1a
- County
- Hillsborough
- Year built
- 2006
- Living area
- 1,258 sq ft
- Price/sq ft
- $286
- Lot size
- 1,356 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12057C0651J)
- Garage
- 2 spaces
- Annual taxes
- $8,243 (2025)
- Parcel #
- U-02-32-18-63Z-000002-00004.0
- Zoning
- PD
- MLS #
- TB8492369
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Dishwasher, Disposal, Dryer, Microwave, Range
- Interior features
- High Ceilings, Open Floorplan
- Laundry
- Inside
- Stories / Levels
- Two
- Direction faces
- West
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- No
HOA & Financial
- HOA fee
- $751 / Monthly
- Monthly HOA
- $751/mo
- Total monthly fees
- $926/mo
- Total annual fees
- $11,112
- HOA name
- Community First Association Management
- CDD
- No
- Min lease term
- 1-7 Days
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Sidewalk, Tennis Court(s)
- Construction materials
- Concrete, Stucco
- Roof
- Metal
- Foundation
- Block
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Public
Community
- Pets allowed
- No
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | 14x13 |
| Bedroom 2 | Second | 12x12 |
| Great Room | First | 14x12 |
| Kitchen | First | 9x10 |
| Dining Room | First | 9x9 |
Listing Details
- Listing date
- 2026-03-31
- On market date
- 2026-04-06
- Original list price
- $399,900
- Occupant type
- Owner
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Orlando Regional
- Status changed
- 2026-04-06
- Tax legal description
- BAHIA BEACH TOWNHOMES PHASE 1A LOT 4 BLOCK 2
Flood risk
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
From I-75, take Exit 240 (SR-674 / College Ave) and head west toward Ruskin. Continue on SR-674 for approximately 7 miles. Turn left onto US-41 (S Tamiami Trail) and continue south for about 3 miles. Turn right onto Shell Point Road (CR-676) and follow for approximately 4 miles. Turn right onto Bahia Beach Blvd and continue into the Little Harbor community. Follow the road to 515 Bahia Beach Blvd.
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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 June 14, 2026 at 1:05 PM 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.
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