528 OCEAN SPRAY DRIVE Ruskin, FL $ 409,000
528 OCEAN SPRAY DRIVE
$ 409,000
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528 OCEAN SPRAY DRIVE

Ruskin, FL, 33570
$ 409,000
Bedrooms4 Baths3.1 Sq 2,820

Monthly Estimate*

$ 2,582

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Single Family Home for sale in Ruskin, FL

for $409,000 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.

Welcome to 528 Ocean Spray Drive in Ruskin—a beautifully maintained, move-in ready home built in 2021, offering 4 bedrooms, 3.5 bathrooms, and 2,820 square feet of thoughtfully designed living space in the sought-after Shell Cove community. This spacious open-concept floor plan features soaring ceilings, elegant tile flooring, and abundant natural light throughout. The heart of the home is the chef-inspired kitchen, complete with granite countertops, stainless steel appliances, ample cabinetry, and a large center island perfect for entertaining and everyday living. A standout feature is the private in-law suite with its own separate entrance, providing exceptional flexibility for multigenerational living, guests, a home office, or potential rental income opportunities. Step outside and enjoy Florida living at its finest in the oversized backyard, offering plenty of space for outdoor gatherings, recreation, or future customization. Residents of Shell Cove enjoy a variety of community amenities, including a resort-style pool, playground, neighborhood park, and scenic walking trails. With a low HOA, no flood insurance requirement, and convenient access to I-75, Tampa, shopping, dining, and grocery stores, this location perfectly balances comfort and convenience. Adding even more value, qualified buyers may take advantage of an assumable VA loan at an attractive 2.99% interest rate. Plus, a free appraisal and potential lender incentives are available when using the preferred lender. Don't miss this incredible opportunity to own a modern, versatile home in one of Ruskin's most desirable communities.

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Single Family Coming Soon

Price

$ 409,000

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

TB8522386

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
Energy Efficient HVAC
Subdivision Name SHELL COVE PH 2
Facing Direction West
Garage Y/N true
Total Rooms 11
Full Baths 3
Status Coming Soon
Directions From US-41 head north and turn left onto W Shell Point Road. Continue and turn right onto 4th Street NW then left onto 6th Avenue NW. Turn left onto Ocean Spray Drive. The home will be located on the left-hand side.
High School Lennard-HB
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 Assumable Cash Conventional FHA VA Loan
Elementary School Thompson Elementary
Land Lease Y/N false
Tax Annual Amount 10266.89
Middle/Junior High School Shields-HB
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Coming Soon
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
Additional Rooms Interior In-Law Suite w/Private Entry
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
Furnished Y/N Unfurnished
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
Spa false
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
kristycloses@gmail.com

Email

Affordability Calculator

$3,438
Per Month
75%
25%
0%
Monthly Principal & Interest
$2,582
Monthly Property Taxes
$856
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% 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
0 Elementary School
266360 Middle School
Lennard-HB High School High School
Pricing History
DatePricePrice ChangeDescription
6/30/2026$409,000 Listed Price

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528 OCEAN SPRAY DRIVE, Ruskin, FL, 33570 is a Single Family Home for sale at $409,000 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