3023 BERMUDA SLOOP CIRCLE, RUSKIN, FL, 33570
Active1 days on marketListed Aug 8, 2026MLS #A4702198
About this home
3023 BERMUDA SLOOP CIRCLE
This exclusive 4-story townhome with private elevator is in the newer Antigua Cove of the South Shore Yacht Club Community, composed of only 10 townhomes, with the remaining area made up of single-family homes, many with waterfront lots with private docks. Each of the four stories are accessible via the elevator and provides owners a variety of living spaces for total flexibility and enjoyment. Entering the unit from either the spacious 2-car garage or front door, owners and guests can enjoy a small, open multi-purpose area, a guest room/bedroom with covered patio, and a full bathroom. You can take stairs or the elevator to the second level, with a beautiful open kitchen, with a large island, dining and living areas that open to a balcony, plus a convenient half bath. Rest and relaxation are the focus of the third level, which contains the primary bedroom with a large, en-suite bathroom, two additional bedrooms, a third full bathroom, plus a laundry room with washer/dryer and plenty of storage space. Take the stairs or the elevator to the top floor, for your own private gathering/entertainment space, with great views and connection for an outdoor tv/media space and plumbed for an outdoor kitchen if desired. The Little Harbor community offers residents a private beach on Tampa Bay with views of St. Petersburg and the Sunshine Skyway bridge, two restaurants/tiki bar, two pools, fitness center, pickleball/tennis courts, two marinas with slip availability, one with high and dry storage, plus boat rentals and sightseeing/charter boat options – all with ‘no bridges to the Bay’ deep-water access. Close proximity to shopping, restaurants, medical facilities, and I-75 allow residents access to stay in the neighborhood or take easy trips to Tampa, St. Petersburg, Bradenton and Sarasota, as well as Florida theme parks and 3 international airports. Relax at the beach or pool or just enjoy being outside on one of your balconies, take a walk, bike ride, or walk to one of the waterfront restaurants and watch the beautiful sunsets over Tampa Bay – you can enjoy it all, plus have the added benefit of a more intimate experience when you live in the townhomes of Antigua Cove at Southshore Yacht Club!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,984
Sqft
0.06 ac
Lot size
2
Garage
2024
Year built
Three Or More
Levels
$230
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.
$6,042 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,042/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Ruskin actives
$230 vs $178
Days on market
1 vs 53 typical
Where $230/sqft sits among the 281 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
$315K → $330K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
141 of 281
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% above the Ruskin median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3023 BERMUDA SLOOP CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$480,000
701 MADISON STREET SW
3 bd · 2.5 ba · 2,998 sqft · $160/sqft · 314 DOM
Sold · Aug ’26$360,000
518 YORK DALE DRIVE
4 bd · 3 ba · 3,005 sqft · $120/sqft · 111 DOM
Sold · Jun ’26$1,289,000
3034 CHRISTOPHERS WATCH LANE
4 bd · 3.5 ba · 2,962 sqft · $435/sqft · 16 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
Kaylie Mickle
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3023 BERMUDA SLOOP CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3023 BERMUDA SLOOP CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kaylie's phone and CRM.
Straight answers
3023 BERMUDA SLOOP CIRCLE FAQs
What would the monthly payment be for 3023 BERMUDA SLOOP CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,042/mo — principal and interest, the actual property-tax bill, the $928/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 3023 BERMUDA SLOOP CIRCLE?+
The association fee works out to $928 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3023 BERMUDA SLOOP CIRCLE?+
The most recent tax bill on record (2025) was $12,010. 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 3023 BERMUDA SLOOP CIRCLE?+
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 $685,000, this home is listed about 96% above the Ruskin median of $349,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$685,000 runs 96% above the Ruskin median — but at 2,984 sqft it's also 54% larger than the typical Ruskin listing.
02Know the monthly fee
The association fee is $928/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 1 day on market in a Ruskin market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SHOWTIME REALTY · Nelson Reyes. MLS #A4702198.
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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