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1911 Fan Aloe Way, Ruskin, FL, 33570

$134/sqft·Spencer Crk Ph 2

6 bd3 ba3,362 sqft2 car garageSingle Family
Listed by LPT REALTY, LLC· Last updated · MLS# TB8536648

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

Est. monthly payment
$3,415/mo
Down payment (20%)
$89,980
Property taxes
$842/mo
HOA
$20/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2022
Community pool
Shared amenity
2 car garage
Driveway
0.25 acres
Lot size
3,362 sqft
Living area

About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorStone CountersThermostatWalk-in Closet(s)Sidewalk

1911 Fan Aloe Way is a 2022-built home in Spencer Crk Ph 2, Ruskin. Inside you'll find 6 bedrooms, 3 bathrooms, and 3,362 square feet of living space. Listed at $449,900 (about $134/sqft), 12 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $20 annually.

From the listing

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.

The essentials

Built
2022
Price / sqft
$134
On market
35 days
Annual tax
$10,105
HOA
$20/yr
Flood zone
X · Low risk
Lot
11,080 sqft
Type
Single Family Residence

Location

1911 Fan Aloe Way
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2022
Lot
11,080 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Ground Level, Off Street
Days on Market
35
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sliding Doors
Clubhouse
Deed Restrictions
Dog Park
Playground
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Ice Maker
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Washer
Water Purifier
Water Softener

Elementary

Ruskin-HB

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 X

Annual Tax (2025)

$10,105

Parcel #

U-16-32-19-C3U-000000-00235.0

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

Spencer Crk Ph 2

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

11,080 sqft

HOA
$20/yr
Home River Group
Date
Event
Price
8/7/2026
Listed for sale
Source: Stellar MLS #TB8536648
$449,900+3.5%
$134/sqft
8/22/2022
Sold
Source: Hillsborough County Public Record
$434,800
$129/sqft
Est. monthly payment$3,415/mo
Principal & interest$2,346
Property taxes$842
Insurance$225
HOA$2
Down payment20% · $89,980
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: $449,900
$447,500 – $449,900
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 35.

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

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