$415,000
528 Ocean Spray Drive
Ruskin, FL 33570
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to your new home where opportunity meets lifestyle in the sought-after Shell Cove community! Assumable VA loan at 2.99 for qualified veterans. Built in 2021 and move in ready, this spacious 3 bedroom, 2.5 bathroom with additional mother in law suite boasting an additional 1 bedroom, 1 bathroom with separate living space, kitchenette, and separate key entry, offers 2,820 sq ft of thoughtfully designed living space perfect for buyers who are ready to make it home. Step inside through the 9ft door entry to the soaring high ceilings, beautiful flooring, vaulted ceilings, and open concept layout makes living effortless. The chef’s kitchen is the heart of the home, featuring granite countertops, stainless steal appliances, and a large center island that invites gatherings. Community offers resort style pool, dog park, playground, basketball court, clubhouse, and scenic walking trails. Neighborhood has Publix, Walmart, UTC Mall and Ellenton Premium Outlets, local waterfront dinning, Little Harbour Marina, local boat and jet ski rentals, Bahia Beach, Apollo Beach Nature Reserve and easy commutes to Tampa, St. Petersburg, Sarasota.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history78 days on market
- Status: ActiveFeb 27, 2026
- Listed$439,000Feb 26, 2026
- Price reduced$415,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 78
- Cumulative DOM
- 238
- Subdivision
- Shell Cove Ph 2
- County
- Hillsborough
- Year built
- 2021
- Living area
- 2,820 sq ft
- Price/sq ft
- $147
- Building area
- 3,709 sq ft (Public Records)
- Lot size
- 7,680 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12057C0652J)
- Garage
- 3 spaces
- Annual taxes
- $10,267 (2024)
- Parcel #
- U-06-32-19-C0O-000000-00603.0
- Zoning
- PD
- MLS #
- TB8481015
Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Carpet, Tile
- Appliances
- Convection Oven, Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Crown Molding, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Tray Ceiling(s), Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- West
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $84 / Annually
- Monthly HOA
- $7/mo
- Total monthly fees
- $7/mo
- Total annual fees
- $84
- HOA name
- Alex Carrera
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Hurricane Shutters, Sliding Doors
- Construction materials
- Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- None
- Utilities
- Public
Community
- Pets allowed
- Breed Restrictions
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | |
| Primary Bathroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Bathroom 2 | First | |
| Bathroom 3 | First | |
| Living Room | First | |
| Kitchen | First |
Listing Details
- Listing date
- 2026-02-26
- On market date
- 2026-02-26
- Original list price
- $439,000
- Occupant type
- Owner
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-02-27
- Tax legal description
- SHELL COVE PHASE 2 LOT 603
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Take I-75S to Naples. Exit 240B for FL-674W toward Ruskin. Merge onto FL-674W/College Ave. Turn right onto S. Tamiami TRL/S U.S. HWY 41. Turn left onto Shell Point Rd. Turn right onto 4th ST NW. Turn left onto 6th Ave NW. Turn left Ocean Spray Dr. Arrive at 528 Ocean Spray. Please provide POF or pre-approval with all offers.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 15, 2026 at 6:48 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA