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528 OCEAN SPRAY DRIVE, RUSKIN, 33570

$409,000

4

Beds

3.5

Baths

2,820 ft2

Property Size

2021

Year Built

About The Property

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.

Property Details

Property Id: 2039120
Price: $409,000
Property Size: 2,820 ft2
Property Lot Size: 0 ft2
Rooms: 11
Bedrooms: 4
Bathrooms: 3.5
AssociationAmenities: Pool
AssociationFee: 85
AssociationFeeFrequency: Annually
AssociationFeeIncludes: Common Area Taxes, Community Pool, Pool Maintenance, Private Road
BathroomsFull: 3
BathroomsHalf: 1
BuildingAreaTotal: 3709
CommunityFeatures: Buyer Approval Required, Deed Restrictions, Pool
ConstructionMaterials: Brick
Cooling: Central Air
CoveredSpaces: 3
CumulativeDaysOnMarket: 274
DaysOnMarket: 20
DirectionFaces: West
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.
ElementarySchool: Thompson Elementary
Flooring: Carpet, Tile
Furnished: Unfurnished
GarageSpaces: 3
GreenEnergyEfficient: HVAC
Heating: Electric
HighSchool: Lennard-HB
InternetAddressDisplayYN: 1
InternetAutomatedValuationDisplayYN: 1
InternetConsumerCommentYN: 1
InternetEntireListingDisplayYN: 1
LaundryFeatures: Electric Dryer Hookup, Inside, Laundry Room
Levels: One
ListAOR: Orlando Regional
ListAgentFullName: Kristy ONeal
ListOfficeName: LPT REALTY, LLC
ListingContractDate: 2026-06-23
ListingId: TB8522386
ListingTerms: Assumable, Cash, Conventional, FHA, VA Loan
LivingAreaSource: Public Records
LivingAreaUnits: Square Feet
LotSizeArea: 7680
LotSizeDimensions: 60 x 128
LotSizeSquareFeet: 7680
LotSizeUnits: Square Feet
MLSAreaMajor: 33570 - Ruskin/Apollo Beach
MiddleOrJuniorSchool: Shields-HB
MlsStatus: Active
ModificationTimestamp: August 9, 2026 at 05:00am
OnMarketDate: 2026-07-01
OriginalListPrice: 409000
OriginatingSystemName: Stellar MLS
Ownership: Fee Simple
PatioAndPorchFeatures: Covered
PetsAllowed: Cats OK, Dogs OK
PhotosChangeTimestamp: July 1, 2026 at 04:31pm
PhotosCount: 25
PostalCode: 33570
Roof: Shingle
Sewer: Public Sewer
SpecialListingConditions: None
StateOrProvince: FL
StoriesTotal: 1
StreetName: OCEAN SPRAY
StreetNumber: 528
StreetSuffix: DRIVE
Utilities: Cable Available, Electricity Available
WaterSource: Public
YearBuilt: 2021
Zoning: PD

Amenities and Features

Outdoor Details
Garage Attached
Other Features
1
Ceiling Fan(s)
Dishwasher
Disposal
Dry Bar
Dryer
Eating Space In Kitchen
Freezer
Has Cooling System
Has Garage
Has Heating System
High Ceilings
Home Owners Association
Irrigation System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Microwave
Open Floorplan
Primary Bedroom Main Floor
Range
Refrigerator
Thermostat
Tray Ceiling(s)
Walk-In Closet(s)
Washer
Wet Bar

Map Location

Property Map

Mortgage Calculator

Payment Calculator

$2,097.02
per month
  • Principal and Interest
  • Property Tax
  • HOA fee
  • Private Mortgage Insurance
$ 1,585.77

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Disclaimer

Property ID - | 2039120

All listings featuring the Stellar MLS logo are provided by My Florida Regional MLS DBA Stellar MLS. This information is not verified for authenticity or accuracy and is not guaranteed. 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 MLS.

©2025 My Florida Regional MLS DBA Stellar MLS. All rights reserved.

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Selinda Moore