1108 SEAGRAPE DRIVE, Ruskin, FL, 33570 | $989,900

Welcome to waterfront living at its finest in the highly sought-after Southshore Yacht Club at Little Harbor! This stunning Biscayne II residence offers 2, 403 sq ft featuring 3 bedrooms, 2. 5 baths, a private office, spacious loft, and 2-car garage. Perfectly positioned on a premier homesite, this property showcases a rare big-water view of a saltwater lagoon, offering panoramic open water vistas and privacy rarely found in Tampa Bay waterfront communities. For boating enthusiasts, this home is turnkey with a brand-new private dock and 13, 000-lb boat lift. Enjoy direct deep-water, no-bridge access to Tampa Bay and the Gulf of Mexico, accommodating center consoles, cruisers, and sailboats. Your boat is always steps away for fishing, dining, island hopping, or sunset cruises. A standout feature is the oversized backyard with ample room for a custom resort-style pool—something rarely available on comparable waterfront lots. Pool plans are already completed and available to the buyer for a seamless start to your outdoor oasis. Also, the first-floor office has been significantly enhanced with custom-built cabinetry, shelving, and integrated storage added by the homeowner, creating a highly functional and refined workspace. Outdoor living is enhanced by a screened lanai overlooking the lagoon, ideal for morning coffee, sunsets, and watching dolphins and manatees in the peaceful waterfront setting. Inside, the open-concept layout connects the gourmet kitchen, dining, and great room. The first-floor office features custom built-ins and upgraded cabinetry, creating a refined, functional workspace. Upstairs includes a spacious loft and a luxurious owner’s suite with water views and spa-style bath. Built with elevated coastal resilience in mind, the home includes impact-rated windows and sliding glass doors, along with modern construction standards designed for enhanced storm protection and durability. Residents enjoy resort-style amenities including a waterfront clubhouse, marina, pool, fitness center, pickleball, basketball, trails, private beach access, and waterfront dining. A major advantage is the exceptionally low flood insurance premium of just $887/year, reflecting the home’s newer construction and storm-resilient design features, including impact protection and elevated building standards. This is a rare opportunity to own a nearly new waterfront home with big-water lagoon views, deep-water no-bridge access, new dock and 13, 000-lb lift, custom office, pool-ready yard, and premier coastal lifestyle—all in one of the area’s most desirable communities.

Features

  • Amenities: Basketball Court, Cable TV, Clubhouse, Fence Restrictions, Fitness Center, Gated, Lobby Key Required, Pickleball Court(s), Playground, Pool, Recreation Facilities, Security, Tennis Court(s)
  • Rooms: 4
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside
  • Style: Contemporary, Florida, Mediterranean
  • Year Built: 2024
  • Garage: 2-car Driveway, Electric Vehicle Charging Station(s), Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,447
  • Acreage: 0.11
  • Est. Taxes: $12,334
  • HOA Fee: $140 Monthly
  • Lot Desc: In County, Landscaped, Near Marina, Sidewalk
  • View: Water
  • Water Front: Yes
  • Elem. School: Thompson Elementary
  • Middle School: Shields-HB
  • High School: Lennard-HB
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Built-In Oven, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater, Washer, Water Filtration System, Water Softener
  • MLS#: TB8514726
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8514726/1108seagrapedrive_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 6/6/2026 11:09:38 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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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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1108 SEAGRAPE DRIVE, Ruskin, FL, 33570

$989,900

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 $791,920 $791,920 $791,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.361% 6.183%
Monthly Tax Payment $1,028 $1,028 $1,028
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,748 $4,876 $6,683
Total Monthly Payment $5,868 $5,996 $7,803

* 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.