826 W SHELL POINT STREET, RUSKIN, FL, 33570
Active31 days on marketListed Jun 23, 2026MLS #TB8521779
About this home
826 W SHELL POINT STREET
Prime PDMU Commercial Lot on Busy Shell Point Road — With Optional Waterfront Home Package This PDMU-zoned commercial lot sits directly on high-traffic Shell Point Road, just moments from Little Harbor, one of Ruskin’s premier waterfront communities. The property is priced to sell individually or can be combined with 815 2nd Ave NW Ruskin — the adjacent parcel to the south — for a total package price of $1,300,000. The optional adjoining property features a beautiful waterfront home offering over 5,000 sq ft of living space with direct access to Tampa Bay and the Gulf of Mexico. It’s a rare opportunity to pair a commercial business location with luxury waterfront living. Whether you’re looking to establish a business, invest in a high-visibility location, or create a combined live-work paradise, this offering delivers exceptional flexibility and value.
Facts & features
The home at a glance
0.21 ac
Lot size
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 — not generic estimates.
$1,512 /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
$1,512/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 City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
Ruskin City — neighborhood snapshot
Population
2,490
Median age
42
Median income
$70,544
Median home value
$268,770
Avg household
3
Households w/ children
290
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
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 40% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 826 W SHELL POINT STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$227,900
305 10TH STREET SW
2 bd · 1 ba · 864 sqft · $264/sqft · 1 DOM
Sold · Dec ’25$305,000
1601 1ST STREET SE
3 bd · 1 ba · 975 sqft · $313/sqft · 19 DOM
Sold · Dec ’25$339,000
1422 BAYSHORE ROAD
3 bd · 1 ba · 1,094 sqft · $310/sqft · 376 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 826 W SHELL POINT STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 826 W SHELL POINT STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
826 W SHELL POINT STREET FAQs
What would the monthly payment be for 826 W SHELL POINT STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,512/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 826 W SHELL POINT STREET?+
The most recent tax bill on record (2025) was $1,029. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ruskin?+
At $200,000, this home is listed about 43% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 826 W SHELL POINT STREET?+
Thompson Elementary (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Debrah Hailey. MLS #TB8521779.
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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