3036 CHRISTOPHERS WATCH LANE, Ruskin, FL, 33570 | $1,275,000

Luxurious WATERFRONT home featuring a composite boat dock with lift, additional 32’ floating aluminum dock, and one of the largest premium lots with an expansive 133 feet of shore line is now available in the highly sought resort community of Little Harbor. The deep, sailboat water 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!

Features

  • Elevator: Y
  • Amenities: Basketball Court, Cable TV, Clubhouse, Fitness Center, Gated, Park, Pickleball Court(s), Playground, Pool, Recreation Facilities, Security, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2020
  • Garage: 3-car Garage Door Opener, Ground Level, Split Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,807
  • Acreage: 0.24
  • Est. Taxes: $17,857
  • HOA Fee: $140 Monthly
  • Lot Desc: Cul-De-Sac, Flood Insurance Required, FloodZone, In County, Landscaped, Near Marina, Oversized Lot
  • View: Water
  • Elem. School: Thompson Elementary
  • Middle School: Shields-HB
  • High School: Lennard-HB
  • Pet Policy: Yes
  • 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
  • MLS#: A4677590
  • Days on Market: 11 days
  • Website: https://www.raveis.com
    /eprop/A4677590/3036christopherswatchlane_ruskin_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/1/2026 10:17:07 PM)
Listing courtesy of SUNSET REALTY   Phone: 941-923-3351

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3036 CHRISTOPHERS WATCH LANE, Ruskin, FL, 33570

$1,275,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,020,000 $1,020,000 $1,020,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.165% 6.007% 5.952%
Monthly Tax Payment $1,488 $1,488 $1,488
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,791 $6,034 $8,470
Total Monthly Payment $7,404 $7,647 $10,083

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.