3248 MANGROVE POINT DRIVE, RUSKIN, FL, 33570
Active3 days on marketListed Jul 30, 2026MLS #TB8532153
About this home
3248 MANGROVE POINT DRIVE
An elevated, Key West-style waterfront townhome with four private balconies on Tampa Bay. Sold turnkey and ready to rent from day one, where every day starts like a resort stay. This fully furnished 2-bedroom, 2.5-bath townhome sits directly on the canal, where dolphins and manatees are frequently spotted and the Skyway Bridge is visible from the balcony. The open living and dining space flows to a balcony with a retractable screen overlooking the water. The kitchen offers granite counters, solid wood cabinetry, and stainless appliances, with a stacked washer/dryer nearby. Upstairs on the third floor, both bedrooms have their own en-suite bathroom and private balcony. A one-car garage provides added parking and storage, and recent updates include a new water heater (2024). The turnkey interior offers rental income potential from day one. For an investor or second-home buyer, that combination, waterfront setting, walkable amenities, and a lease-ready interior, is uncommon, and the price reflects it: among the most competitive of any 2-bedroom townhome currently active in Little Harbor. Little Harbor delivers a full resort experience: two marinas with in-water docking and dry rack storage, two waterfront restaurants and a tiki bar, a private beach with paddleboard and kayak access, a fishing pier, multiple pools, tennis and pickleball courts, a fitness center, a clubhouse, a playground, and an arcade, all within a gated, golf-cart-friendly community roughly 30 minutes from downtown Tampa and St. Petersburg. The HOA takes care of exterior flood insurance, water, cable, internet, trash, and pool and grounds maintenance, one less thing to manage, whether you're living here or leasing it out. This is a fresh, competitively priced waterfront townhome in Little Harbor, move-in ready from day one.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,258
Sqft
0 ac
Lot size
1
Garage
2007
Year built
Three Or More
Levels
$262
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.
$3,542 /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
$3,542/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+23.5%
$/sqft vs Ruskin actives
$262 vs $181
Days on market
3 vs 51 typical
Where $262/sqft sits among the 276 Ruskin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
153 of 276
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3248 MANGROVE POINT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$225,000
3244 MANGROVE POINT DRIVE · same community
2 bd · 2.5 ba · 1,258 sqft · $179/sqft · 39 DOM
Sold · Jun ’26$215,000
3210 MANGROVE POINT DRIVE · same community
2 bd · 1.5 ba · 1,184 sqft · $182/sqft · 378 DOM
Sold · Dec ’25$385,000
3257 MANGROVE POINT DRIVE · same community
3 bd · 3 ba · 1,571 sqft · $245/sqft · 14 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3248 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 3248 MANGROVE POINT DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3248 MANGROVE POINT DRIVE FAQs
What would the monthly payment be for 3248 MANGROVE POINT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,542/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 3248 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 3248 MANGROVE POINT DRIVE?+
The most recent tax bill on record (2025) was $8,152. 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 3248 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 $329,000, this home is listed about 6% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Ruskin market on paper
$329,000 is 6% below the Ruskin median of $349,850.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
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 3 days on market in a Ruskin market that averages 51 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS SOUTH TAMPA · Kirby Drake. MLS #TB8532153.
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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