$319,000
972 Ocean Spray Drive
Ruskin, FL 33570
Listing updated: June 16, 2026 at 7:49 PM ET
Listing courtesy of Service Near Realty · Lei Cheng · MLS #TB8506960 · Active · 813-401-0576Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Virtually Staged. Builder's former model home! High vaulted ceiling in the living room! Luxury vinyl plank floors throughout! Located in the Shell Cove community of Ruskin, this modern single-family residence offers a functional open-concept layout designed for comfortable everyday living. The home features bright living spaces that connect the main living room, dining area, and kitchen. The kitchen is equipped with modern appliances, ample cabinet storage, and generous counter space for meal preparation and entertaining. The bedrooms are well-sized, including a primary suite with a walk-in closet and private en suite bathroom. Shell Cove residents enjoy access to community amenities including a swimming pool, clubhouse, open-air cabana, pickleball courts, basketball court, playground, dog park, and scenic pond and lake views throughout the neighborhood. Conveniently located near US-41 and I-75, the property offers access to Tampa, St. Petersburg, Bradenton, local marinas, parks, nature preserves, shopping, dining, and Gulf Coast beaches. This home offers a modern layout, community amenities, and a convenient Ruskin location. Schedule your private showing today.
Local Insight
At $166 per square foot for a 2020 build in Shell Cove, you're getting solid value for a newer four-bedroom in the Ruskin market, though the tiny 0.14-acre lot means minimal privacy and outdoor space. The X500 flood zone designation is a major plus for insurance and resale—this property sits outside the typical flood risk areas that plague much of South Florida—but verify whether the home itself has any elevation requirements or past water issues given the coastal proximity. The low HOA at $15/month is unusually affordable, so dig into what's actually covered and whether fees have historically stayed stable, since that's often where costs creep up in newer subdivisions.
AI-generated insight based on listing data and neighborhood context. Verify independently.
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 history38 days on market
- Status: ActiveMay 10, 2026
- Listed$329,000May 9, 2026
- Price reduced$319,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 38
- Subdivision
- Shell Cove Ph 1
- County
- Hillsborough
- Year built
- 2020
- Living area
- 1,926 sq ft
- Price/sq ft
- $166
- Building area
- 2,401 sq ft (Public Records)
- Lot size
- 6,000 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500* (12057C0652J)
- Garage
- 2 spaces
- Annual taxes
- $8,889 (2025)
- Parcel #
- U-06-32-19-C07-000000-00541.0
- Zoning
- PD
- MLS #
- TB8506960
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Flooring
- Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Dryer, Microwave, Other, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $175 / Annually
- Monthly HOA
- $15/mo
- Total monthly fees
- $15/mo
- Total annual fees
- $175
- HOA name
- INFRAMARK Lisa Castoria
- CDD
- Yes
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Please contact HOA for detailed information
- Approval process
- Please contact HOA for detailed information
Exterior & Construction
- Exterior features
- Other, Sidewalk
- Construction materials
- Block, Concrete, Other, Stucco
- Roof
- Other, Shingle
- Foundation
- Concrete Perimeter, Slab
- Road surface
- Asphalt, Other, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | |
| Kitchen | First | |
| Primary Bedroom | First | |
| Bedroom 1 | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Primary Bathroom | First | |
| Bathroom 1 | First | |
| Room |
Listing Details
- Listing date
- 2026-05-08
- On market date
- 2026-05-09
- Original list price
- $329,000
- Occupant type
- Vacant
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-05-10
- Tax legal description
- SHELL COVE PHASE 1 LOT 541
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From US-41N turn left on E. Shell Point Rd. In 0.6 miles turn Right on to 8th St NW. Turn left at the stop sign onto Ocean Spray Dr. Home will be on your left.
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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 June 16, 2026 at 7:49 PM 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.
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