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USDA eligible! Qualified buyers can purchase with ZERO down, and with the right offer the seller will cover closing costs, meaning you could get into this home with little to NOTHING out of pocket. Use our preferred lender and receive a 1% lender credit toward buying down your interest rate on top of it. At 3,326 square feet, you will not find a more affordable home of this size anywhere in Tampa Bay for the money. Now the house itself. Built in 2022 with 6 bedrooms and 3 full baths, tastefully updated with luxury flooring in all the common spaces. The open floor plan connects the kitchen, dining, and living areas into one big gathering space, and two flex rooms give you options most homes simply do not have. Home office, gym, playroom, theater, you choose. Two bedrooms sit downstairs, including the primary suite, so there are no stairs between you and your morning coffee. Upstairs holds the remaining bedrooms plus room to spread out. All of it on a quarter acre corner lot with extra yard, extra privacy, and only one neighbor beside you. And the HOA? Roughly $9 a month. You read that right. Spencer Creek puts you minutes from I75, US301, shopping, and the waterfront. Homes like this do not sit. Schedule your private showing today.
| DAYS ON MARKET | 4 | LAST UPDATED | 8/7/2026 |
|---|---|---|---|
| TRACT | SPENCER CRK PH 2 | YEAR BUILT | 2022 |
| COMMUNITY | 33570 - Ruskin/Apollo Beach | GARAGE SPACES | 2.0 |
| COUNTY | Hillsborough | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Ruskin-HB |
|---|---|
| Jr. High School | Shields-HB |
| High School | Lennard-HB |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer, Water Purifier, Water Softener |
| AREA | 33570 - Ruskin/Apollo Beach |
| CONSTRUCTION | Block, Stucco |
| GARAGE | Yes |
| HEAT | Electric, Heat Pump |
| HOA DUES | 20 |
| INTERIOR | Open Floorplan, Stone Counters, Walk-In Closet(s) |
| LOT | 0.25 acre(s) |
| LOT DIMENSIONS | 88.64x125 |
| PARKING | Driveway, Garage Door Opener, Off Street, Attached |
| SEWER | Public Sewer |
| STORIES | 2 |
| SUBDIVISION | SPENCER CRK PH 2 |
| TAXES | 10104.65 |
| UTILITIES | Cable Available, Cable Connected, Electricity Connected, Sewer Connected, Underground Utilities, Water Connected |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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Listing provided by Josh Wright, 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 8/9/26 2:27 PM PDT.
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