106 STEVEN STREET, Ruskin, FL 33570

• 3 beds |
• 2 baths |
• 1,580 sqft

Property Description

Newly Priced at $574,900 — Plus $25,000 in Seller Concessions. Some homes are just addresses. This one is a lifestyle. Nestled along the open bay with direct water access, this beautifully reimagined Tampa Bay retreat delivers the effortless waterfront living you've been searching for — and the serious infrastructure to back it up. The seller means business. Freshly repriced and motivated, the seller is offering $25,000 toward your closing costs and/or rate buydown — putting real money back in your pocket on day one and potentially lowering your monthly payment for the life of the loan. At today's rates, that kind of buydown can make a meaningful difference. This is a rare opportunity to get into a turnkey waterfront home with less out of pocket than you'd expect. Across 1,580 square feet of thoughtfully refreshed living space, three bedrooms and two redesigned bathrooms strike the perfect balance of comfort and style. The completely renovated kitchen is the heart of the home, featuring crisp white shaker cabinets, gleaming granite countertops, and top-of-the-line appliances — equally suited for quiet mornings with a bay view or entertaining after a day on the water. Step outside and the property truly comes into its own. A brand-new boat lift (2023) sits ready at the water's edge, with generous RV and boat parking that serious boaters will immediately appreciate. The backyard blends function with charm: custom-built raised vegetable gardens bring a rare, grounded beauty to the space, while a versatile work shed — easily converted to a private home office — adds flexibility for however you choose to live. A spacious carport completes the picture. Peace of mind is built in, not bolted on. Every major system has been addressed: a 50-year metal roof (2020), new AC (2021), full whole-house replumb to the street (2022), and hurricane-impact windows and doors (2024) mean you inherit quality, not projects. This is Tampa Bay waterfront living at its finest — move-in ready, meticulously upgraded, and priced with a motivated seller ready to make a deal. Your next chapter starts here. And right now, the seller is helping you get there.

Listing Status:

Active

Date Added:

April 25, 2026

Data Last Updated:

June 26, 2026 at 8:21PM

Listing Office:

POWELL REALTY : 904-422-1224

Listing Agent:

Cody Powell : 904-710-8056

MLS ID:

TB8501771

Interior

• General: Ceiling Fans(s)Open FloorplanSolid Surface CountersSolid Wood CabinetsStone CountersThermostatWindow Treatments
• Rooms: Formal Dining Room SeparateFormal Living Room SeparateInside Utility
• Appliances: Built-In OvenDishwasherDryerElectric Water HeaterExhaust FanIce MakerMicrowaveRangeRefrigeratorWasherWater Softener
• Laundry: InsideLaundry Room
• Flooring: Ceramic TileTerrazzo
• A/C: Central Air
• Heating: CentralElectricHeat Pump

Exterior

• General: LightingPrivate MailboxStorage
• Other Structures: Shed(s)StorageWorkshop
• Parking: BoatCoveredDrivewayGolf Cart ParkingGuestOversizedRV Access/Parking

Construction

• Roofing: Metal
• General: BlockOneSlab

Location

• Road/Access: AsphaltPaved
• Originating MLS: Stellar MLS
• County: Hillsborough

Lot

• Zoning: RSC-6COLLURA SUB LOT 18U-11-32-18-18V-000000-00018.0
• View: Water

Utilities

• Utilities: BB/HS Internet AvailableCable ConnectedElectricity ConnectedPhone AvailablePublicSewer ConnectedSprinkler MeterWater Connected
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple