|
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. VA buyers may bring their own pre-approval and have the opportunity to assume the seller's existing VA loan at an incredible 2.9% interest rate. Pre-approval letter required with all offers, and the seller must review all pre-approvals. 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.
| DAYS ON MARKET | 49 | LAST UPDATED | 8/7/2026 |
|---|---|---|---|
| TRACT | SHELL COVE PH 2 | YEAR BUILT | 2021 |
| COMMUNITY | 33570 - Ruskin/Apollo Beach | GARAGE SPACES | 3.0 |
| COUNTY | Hillsborough | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Thompson Elementary |
|---|---|
| Jr. High School | Shields-HB |
| High School | Lennard-HB |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer |
| AREA | 33570 - Ruskin/Apollo Beach |
| CONSTRUCTION | Brick |
| GARAGE | Yes |
| HEAT | Electric |
| HOA DUES | 85 |
| INTERIOR | Dry Bar, Eat-in Kitchen, High Ceilings, In-Law Floorplan, Open Floorplan, Tray Ceiling(s), Walk-In Closet(s), Wet Bar |
| LOT | 7841 sq ft |
| LOT DIMENSIONS | 60x128 |
| PARKING | Attached |
| SEWER | Public Sewer |
| STORIES | 1 |
| SUBDIVISION | SHELL COVE PH 2 |
| TAXES | 10266.89 |
| UTILITIES | Cable Available, Electricity Available |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
0
P
I
*Estimate only
| SATELLITE VIEW |
We respect your online privacy and will never spam you. By submitting this form with your telephone number
you are consenting for Nick & Cindy
Davis to contact you even if your name is on a Federal or State
"Do not call List".
Listing provided by Kristy ONeal, LPT REALTY, LLC, 877-366-2213
The information contained herein has been provided by My Florida Regional MLS DBA Stellar MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Listings last updated 8/10/26 1:01 PM PDT.
This IDX solution is (c) Diverse Solutions 2026.