528 OCEAN SPRAY DRIVE Ruskin, FL $ 430,000
528 OCEAN SPRAY DRIVE
$ 430,000
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528 OCEAN SPRAY DRIVE

Ruskin, FL, 33570
$ 430,000
Bedrooms4 Baths3.1 Sq 2,820

Monthly Estimate*

$ 2,683

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Single Family Home for sale in Ruskin, FL

for $430,000 with 4 bedrooms and 3 full baths, 1 half bath. This 2,820 square foot home was built in 2021 on a lot size of 0.18.

ASSUMABLE VA LOAN AT 2.99%! NO FLOOD INSURANCE REQUIRED! Welcome to this beautifully constructed 4-bedroom, 3.5-bathroom 2,820 square foot home built in 2021, located in the desirable Shell Cove community! Designed for comfort and versatility, this spacious home offers modern finishes, an open-concept layout, and a rare in-law suite with a private entrance—perfect for multigenerational living, guests, or rental potential. Inside, you'll find a bright and airy living space with high ceilings, tile flooring, and modern fixtures throughout. The gourmet kitchen features stainless steel appliances, granite countertops, and a large island ideal for entertaining. The primary suite offers a private retreat with a walk-in closet, while the primary bathroom has a separate garden tub and shower. The split layout gives two bedrooms in the front, equipped with a jack and jill bathroom, and offers generous privacy. The oversized backyard is perfect for entertaining guests or giving the pets a place to run free. Step outside and enjoy all that Shell Cove has to offer, including a community pool and beautifully maintained common areas. This home combines the best of style, function, and location—within a mile from groceries, shopping and dining. The owner is still occupying the property, so please respect their privacy. FREE APPRAISAL AND OTHER POSSIBLE DISCOUNTS AVAILABLE BY USING OUR PREFERRED LENDER, WILLIAM WILLIS.

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Single Family Active

Price

$ 430,000

Bedrooms

4

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 10,266

Style

Single Family Residence

Lot Size

0.18

Year Built

2021

Town/City

Ruskin

County/Region

Hillsborough

MLS | Web ID

TB8425549

Features
General
Sewer Public Sewer
Heating Electric
Cooling Central Air
Utilities Cable Available Electricity Available
Possession Close Of Escrow Negotiable
Roof Shingle
Appliances Dishwasher Disposal Dryer Freezer Microwave Range Refrigerator Washer
Zoning PD
HOA Fee 85
Garage Spaces 3
Association Fee Includes Common Area Taxes Community Pool Pool Maintenance Private Road
Patio/Porch Features Covered
Construction Materials Brick
Pets Allowed Cats OK Dogs OK
Year Built 2021
Levels One
Property Subtype Single Family Residence
Tax Year 2024
Ownership Fee Simple
Community Features Buyer Approval Required Deed Restrictions Pool
Assoc Fee Paid Per Annually
County Hillsborough
New Construction false
Property Type Residential
Association Amenities Pool
Attached Garage true
Subdivision Name SHELL COVE PH 2
Facing Direction West
Garage Y/N true
Total Rooms 11
Full Baths 3
Status Active
Directions Go North on US 41. Turn left on W Shell Point Road. Turn right on Fourth St NW. Turn left on Sixth Ave NW. Turn left on Ocean Spray Drive. House will be on the left.
City RUSKIN
Association Name Beverly Pavon
Senior Community Y/N false
MLS Area 33570 - Ruskin/Apollo Beach
Lot Size Units Square Feet
Lot Size Square Feet 7680
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Land Lease Y/N false
Tax Annual Amount 10266.89
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.zillow.com/view-imx/40d32efb-37a3-41eb-9bec-5a4229e1ba7d/?utm_source=captureapp
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
TaxOtherAnnualAssessmentAmount 2715
Tax Lot 603
Legal Description SHELL COVE PHASE 2 LOT 603
Minimum Lease 8-12 Months
Water Access Y/N false
Monthly HOA Amount 7.08
Water View Y/N false
Flood Zone Code X500*
DockY/N false
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Interior
Interior Amenities Ceiling Fan(s) Dry Bar Eating Space In Kitchen High Ceilings Kitchen/Family Room Combo Living Room/Dining Room Combo Open Floorplan Primary Bedroom Main Floor Thermostat Tray Ceiling(s) Walk-In Closet(s) Wet Bar
Flooring Carpet Tile
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 1
Laundry Features Electric Dryer Hookup Inside Laundry Room
Total Bedrooms 4
Total Baths 4
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Exterior
Exterior Amenities Irrigation System
Water Source Public
Lot Size Area 7680
Foundation Details Slab
Building Area Total 3709
Lot Dimensions 60 x 128
Lot Size Acres 0.18
Road Surface Type Asphalt Paved
Private Pool false
Waterfront Y/N false
Covered Spaces 3
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* Excluded Features
List By
Lpt Realty, Llc

Broker

chapinsellsfl@gmail.com

Email

Affordability Calculator

$3,538
Per Month
76%
24%
0%
Monthly Principal & Interest
$2,683
Monthly Property Taxes
$856
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
12/19/2025$430,000 Listed Price

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528 OCEAN SPRAY DRIVE, Ruskin, FL, 33570 is a Single Family Home for sale at $430,000 with 2,820 sqft and a lot size of 0.18. 528 OCEAN SPRAY DRIVE has 4 bedrooms, 3.1 baths, and was built in 2021. The property's zip code is 33570 which is in Ruskin, FL