3215 GULF CITY ROAD, Ruskin, FL, 33570 | $3,250,000

Tucked away in the exclusive Lost River Preserve, this custom-built Mediterranean-inspired lakefront estate offers a rare opportunity to own a fully curated, turnkey retreat with exceptional income-producing flexibility. Newly repositioned to reflect a prime opportunity within Tampa Bay’s luxury investment market, the property spans 2. 25 acres across four parcels with more than 300 feet of water frontage—designed for private enjoyment, luxury rental income, or a strategic blend of both. Curated furnishings are available to convey with acceptable terms, creating a seamless transition for buyers seeking immediate use as a luxury vacation rental, corporate retreat venue, or multigenerational estate. Designed and executed with unparalleled craftsmanship, featuring poured concrete tilt-wall construction, impact-rated windows/ doors, and a Galvalume aluminum tile-look roof engineered for durability and peace of mind. Elevated in Flood Zone X, the estate remains high and dry—rare in waterfront living. Inside, 6, 700 square feet unfolds across two distinct yet connected residences, ideal for multigenerational living, extended stays, or flexible rental configurations. The layout allows the homes to function together or independently, offering the ability to rent one wing while retaining private use of the other. Walls of glass, soaring tray ceilings, and architectural details frame sweeping lake views, while the waterfront primary suites feature spa-inspired baths, dual closets, and seating bays. A flexible interior space with kitchenette and full ensuite opens directly to the pool terrace, ideal for guest accommodations, wellness use, or additional rental versatility. Outdoors, a private resort setting awaits with a custom saltwater pool featuring sun shelves, oversized spa, pool bath, and outdoor kitchen beneath a screened lanai overlooking the water—an ideal backdrop for gatherings, retreats, celebrations, or hosted events. The covered boat dock includes a ski boat hoist and filleting station, while a second dock provides launch space and a lakeside perch for sunset views. Further enhancing the estate’s value and income potential, the detached guest villa offers 1, 200 square feet complete with full kitchen and living quarters, ideal for short-term rental income, guest accommodations, or live-in ownership with passive income opportunities. A three-bay garage suited for boats and recreational storage with a lakefront entertainment pavilion offers a full bath and double French doors open directly to the water, creating an exceptional setting for weddings, wellness retreats, corporate gatherings, or private events—allowing the estate to live and perform far beyond a traditional single-family property. Eligible for rentals with a one-week minimum, the property is uniquely positioned for vacation rentals, group retreats, or owner-occupied income strategies. Adding even greater long-term upside, the fourth parcel includes architectural plans for a future three-bedroom, two-bath residence with utilities already initiated, including pre-plumbing, providing a clear path to expand the estate’s rental footprint or future value. Lost River Preserve spans 900 acres of protected lakes and shoreline, offering boating, kayaking, and trophy bass fishing surrounded by preserved natural beauty—just 35 minutes from Downtown Tampa. More than a home, this is a legacy waterfront property where lifestyle, flexibility, and long-term investment potential converge.

Features

  • Amenities: Park, Storage, Trail(s)
  • Bedrooms: 7
  • Units: 2
  • Lot Size: 295 x 165
  • Laundry: Corridor Access, Inside, Laundry Room
  • Year Built: 2011
  • Garage: 8-car Bath In Garage, Boat, Circular Driveway, Driveway, Garage Faces Side, Ground Level, Oversized, RV Garage
  • Heating: Central, Electric, Propane
  • Cooling: Central Air, Humidity Control, Zoned
  • Approx Sq. Feet: 8,769
  • Acreage: 2.27
  • Lot Size: 295 x 165
  • Est. Taxes: $13,234
  • HOA Fee: $224 Quarterly
  • Lot Desc: Oversized Lot
  • View: Park/Greenbelt, Trees/Woods, Water
  • Water Front: Yes
  • Elem. School: Ruskin-HB
  • Middle School: Shields-HB
  • High School: Lennard-HB
  • Pool: Child Safety Fence, Fiber Optic Lighting, Gunite, Heated, In Ground, Lap, Lighting, Outside Bath Access, Salt Water, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Exhaust Fan, Gas Water Heater, Microwave, Range Hood, Refrigerator, Tankless Water Heater, Water Filtration System, Water Purifier, Water Softener
  • MLS#: TB8469293
  • Days on Market: 78 days
  • Website: https://www.raveis.com
    /prop/TB8469293/3215gulfcityroad_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 6/2/2026 3:25:31 AM)
Listing courtesy of GULF SHORES REALTY ERA POWERED LLC   Phone: 813-636-0700

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3215 GULF CITY ROAD, Ruskin, FL, 33570

$3,250,000

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 $2,600,000 $2,600,000 $2,600,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $1,103 $1,103 $1,103
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $15,588 $15,798 $21,940
Total Monthly Payment $16,816 $17,026 $23,168

* 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.