$409,000
528 Ocean Spray Drive
Ruskin, FL 33570
Listing updated: July 12, 2026 at 3:05 PM ET
Listing courtesy of Lpt Realty, Llc · Kristy ONeal · MLS #TB8522386 · Active · 877-366-2213Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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. Please note: An assumable loan can be assumed by anyone, not just a VA borrower.
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 history11 days on market
- Status: ActiveJul 1, 2026
- Listed$409,000Jul 1, 2026
- Price increased$409,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 11
- Cumulative DOM
- 265
- Subdivision
- Shell Cove Ph 2
- County
- Hillsborough
- Year built
- 2021
- Living area
- 2,820 sq ft
- Price/sq ft
- $145
- Building area
- 3,709 sq ft (Public Records)
- Lot size
- 7,680 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500* (12057C0652J)
- Garage
- 3 spaces
- Annual taxes
- $10,267 (2024)
- Parcel #
- U-06-32-19-C0O-000000-00603.0
- Zoning
- PD
- MLS #
- TB8522386
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Dry Bar, Eat-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
- Laundry
- Electric Dryer Hookup, Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- West
- In-law suite
- Yes
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $85 / Annually
- Monthly HOA
- $7/mo
- Total monthly fees
- $7/mo
- Total annual fees
- $85
- HOA name
- Beverly Pavon
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Assumable, Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer and buyer agent to verify with the HOA
- Approval process
- Buyer and buyer agent to verify with the HOA
Exterior & Construction
- Construction materials
- Brick
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available
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 | 19x18 |
| Kitchen | First | 9x16 |
| Dining Room | First | 11x13 |
| Primary Bedroom | First | 18x13 |
| Primary Bathroom | First | 10x13 |
| Bedroom 2 | First | 12x12 |
| Bathroom 2 | First | 5x4 |
| Bedroom 3 | First | 13x11 |
| Bedroom 4 | First | 11x13 |
| Bathroom 3 | First | 6x9 |
| Great Room | First | 18x12 |
Listing Details
- Listing date
- 2026-06-23
- On market date
- 2026-07-01
- Original list price
- $409,000
- Occupant type
- Owner
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Orlando Regional
- Status changed
- 2026-07-01
- Tax legal description
- SHELL COVE PHASE 2 LOT 603
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-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.
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Listing provided by Stellar MLS
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 July 12, 2026 at 3:05 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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