106 STEVEN ST Ruskin, FL 33570

*Seller offering $5,000 credit to buyer for rate buydown* Nestled near the open bay with direct water access, this 1,580-square-foot 3/2 home with a boat lift delivers effortless waterfront living backed by modern updates for peace of mind and convenience. The thoughtfully refreshed interior features three bedrooms, two redesigned bathrooms, and a completely renovated kitchen showcasing crisp white shaker cabinets, gleaming granite countertops, and premium appliances perfectly suited for quiet mornings or entertaining after a day on the water. Outside, the property truly shines for boating enthusiasts, offering a brand-new 2023 boat lift, generous RV and boat parking, and a covered carport. The functional backyard adds rare charm with custom-built raised vegetable gardens and a versatile work shed that could easily convert into a private home office or used as ample storage for anything you need. Best of all, peace of mind is already built in so you can inherit quality rather than projects. Every major system has been recently upgraded, including a 50-year metal roof (2020), a new AC system (2021), a full whole-house re-plumb out to the street (2022), and hurricane-impact windows and doors (2024). Additionally the seller is offering a $5000 credit to the buyer for rate buydown to reduce the buyers interest rate and monthly payment. This isn't just an address; it's a turnkey lifestyle ready to be enjoyed.