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528 Ocean Spray Dr, Ruskin, FL, 33570

$145/sqft·Shell Cove Ph 2

4 bd4 ba2,820 sqft3 car garageSingle Family
Listed by LPT REALTY LLC· Last updated · MLS# TB8522386

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$3,200/mo
Down payment (20%)
$81,800
Property taxes
$856/mo
HOA
$85/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2021
Community pool
Shared amenity
3 car garage
7,680 sqft lot
Lot size
2,820 sqft
Living area

About this home

Ceiling Fans(s)Dry BarEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main Floor

528 Ocean Spray Dr is a 2021-built home in Shell Cove Ph 2, Ruskin. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,820 square feet of living space. Listed at $409,000 (about $145/sqft), 36 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $85 annually.

From the listing

BACK ON THE MARKET BUYERS LOSS IS YOUR GAIN! Welcome to 528 Ocean Spray Drive, a move-in-ready 2021 home in the desirable Shell Cove community. Offering 4 bedrooms, 3.5 bathrooms and 2,820 square feet, this spacious home features an open-concept layout ideal for comfortable living and entertaining. The kitchen showcases granite countertops, stainless steel appliances, abundant cabinetry and a large center island overlooking the main living area. A private in-law suite with a separate entrance provides excellent flexibility for guests, extended family, a home office or additional living space. Additional highlights include a three-car garage and fenced backyard. Residents enjoy access to a resort-style community pool, playground, park and walking trails, with convenient access to I-75, Tampa, shopping and dining. A 2.9% assumable mortgage may be available to qualified buyers; VA status is not required. Preapproval is required with all offers, and the seller must review all buyer qualifications. Schedule your private showing today!

The essentials

Built
2021
Price / sqft
$145
On market
72 days
Annual tax
$10,267
HOA
$85/yr
Flood zone
X500* · Low risk
Lot
7,680 sqft
Type
Single Family Residence

Location

528 Ocean Spray Dr
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2021
Lot
7,680 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
72
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
Buyer Approval Required
Deed Restrictions
Pool
Dishwasher
Disposal
Dryer
Freezer
Microwave
Range
Refrigerator
Washer

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileIn a CDD (Community Development District)Flood Zone X500*

Annual Tax (2024)

$10,267

Parcel #

U-06-32-19-C0O-000000-00603.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Shell Cove Ph 2

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

7,680 sqft

HOA
$85/yr
Beverly Pavon
Date
Event
Price
7/1/2026
Listed for sale
Source: Stellar MLS #TB8522386
$409,000+2.5%
$145/sqft
10/20/2021
Sold
Source: Hillsborough County Public Record
$399,200
$142/sqft
Est. monthly payment$3,200/mo
Principal & interest$2,133
Property taxes$856
Insurance$205
HOA$7
Down payment20% · $81,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $409,000
$407,500 – $409,000
99.5% – 100% of listTops out right at the list price
80% of listList price
94 of the last 167 home closings in 33570 landed at this number or higher (56%). The median one sat 40 days before it went under contract, and this one is on day 72.

Sample: 167 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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