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.
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
Price:
$409,000
MLS #:
TB8522386
Status:
Active
Beds:
4
Baths:
3.5
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
SHELL COVE PH 2
Neighborhood:
33570ruskinapollobeach
Listed Date:
Jul 1, 2026
Finished Sq Ft:
2,820
Total Sq Ft:
3,709
Lot Size:
7,680 sqft / 0.18 acres (approx)
Year Built:
2021
See this Listing
Schools
Elementary School:
Thompson Elementary
Middle School:
Shields-HB
High School:
Lennard-HB
Interior
Appliances
Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer
Bathrooms
3 Full Bathrooms, 1 Half Bathroom
Cooling
Central Air
Flooring
Carpet, Tile
Heating
Electric
Interior Features
Ceiling Fan(s), Dry Bar, Eating Space 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
Laundry Features
Electric Dryer Hookup, Inside, Laundry Room
Levels
One
Exterior
Association Amenities
Pool
Attached Garage YN
1
Community Features
Buyer Approval Required, Deed Restrictions, Pool
Construction Materials
Brick
Covered Spaces
3
Direction Faces
West
Exterior Features
Irrigation System
Garage Spaces
3
Green Energy Efficient
HVAC
Patio And Porch Features
Covered
Roof
Shingle
Financial
HOA Fee
$85
HOA Fee Frequency
Annually
HOA Includes
Common Area Taxes, Community Pool, Pool Maintenance, Private Road
HOA Name
Beverly Pavon
HOA Phone
813-873-7300
Tax Year
2024
Taxes
$10,267
Map
Community
- Address528 OCEAN SPRAY DRIVE RUSKIN FL
- SubdivisionSHELL COVE PH 2
- CityRUSKIN
- CountyHillsborough
- Zip Code33570
Subdivisions in RUSKIN
- ADAMS SUB OF RUSKIN C
- ANTIGUA COVE PH 1
- ANTIGUA COVE PH 2
- ANTIGUA COVE PH 3A
- ANTIGUA COVE PH 3B
- BAHIA BEACH TOWNHOMES
- BAHIA BEACH TWNHMS PH 02
- BAHIA BEACH TWNHMS PH 1A
- BAHIA BEACH TWNHMS PH 2
- BAHIA DEL SOL A CONDO
- BAHIA DEL SOL II A CONDO
- BAHIA LAKES PH 1
- BAHIA LAKES PH 2
- BAHIA LAKES PH 3
- BAHIA LAKES PH 4
- BAHIA LAKES PHASE 2
- BAYOU PASS PH 3B
- BAYOU PASS VILLAGE
- BAYOU PASS VILLAGE PH FIVE
- BAYOU PASS VILLAGE PH FOUR
- BAYOU PASS VILLG PH THREE
- BAYRIDGE
- BELMONT
- BELMONT NORTH PH 2A
- BELMONT NORTH PH 2B
- BELMONT NORTH PH 2C
- BELMONT PH 1A
- BELMONT PH 1B
- BELMONT PH 1C
- BELMONT PH 1C-1 PT REP
- BELMONT PH 1C-2A PT RE
- BELMONT SOUTH
- BELMONT SOUTH PH 2D & PASEO AL
- BELMONT SOUTH PH 2E
- BELMONT SOUTH PH 2F
- BELMONT SOUTH PHASE 2D
- BELMONT TOWNHOMES
- BELMONT TWNHMS PRCL F
- BLACKSTONE AT BAY PARK
- BROOKSIDE
- BROOKSIDE ESTATES
- BROOKSIDE ESTATES PHASE 1 AND 2
- BYRD ACRES
- CAMPUS SHORES SUB
- CAREYS PIRATE POINT
- COLLEGE CHASE PH 1
- COLLURA SUB
- COLLURA SUB 1ST ADD
- COVINA AT BAY PARK
- CYPRESS CREEK
- CYPRESS CREEK PH 1
- CYPRESS CREEK PH 2
- CYPRESS CREEK PH 3
- CYPRESS CREEK PH 4B
- CYPRESS CREEK PH 5A
- CYPRESS CREEK VILLAGE A
- CYPRESS MILL PH 1A
- CYPRESS MILL PH 1A LOT 28 BLOCK 13
- FAIRMONT MOBILE ESTATES SECOND ADD
- FAIRMONT PARK
- FAIRWAY PALMS A CONDO BLDG 7 UNIT 814
- FIRST COMMON GOOD SUB
- GLENCOVE AT BAY PARK
- GLENCOVE/BAYPARK PH 2
- GORES ADD TO RUSKIN FLOR
- GULL HAVEN SUB
- HAWKS POINT
- HAWKS POINT PH 1A-1
- HAWKS POINT PH 1A-2 2ND PRCL
- HAWKS POINT PH 1B-1
- HAWKS POINT PH 1B-1 1ST PRCL
- HAWKS POINT PH 1B2 2ND PT
- HAWKS POINT PH 1C
- HAWKS POINT PH 1C LOT 5 BLOCK 19
- HAWKS POINT PH 1C-2 & 1D
- HAWKS POINT PH 1C-2 & 1D-1
- HAWKS POINT PH S-1
- HAWKS POINT PH S-2
- ISLAND RESORT AT MARINERS CLUB
- IV7
- JITKAS PLATTED SUB
- KIMS COVE
- LA PALOMA VILLAGE UNIT 02 PH 01
- LA PALOMA VILLAGE UNIT 1
- LA PALOMA VILLAGE UNIT 2 PH
- LILLIE ESTATES UNIT A
- LILLIE ESTATES UNIT B
- LITTLE MANATEE HEIGHTS
- LOST RIVER PRESERVE PH 2
- LOST RIVER PRESERVE PH I
- MANRING & EMERY SUB
- MARINA VIEW AT LITTLE HARBOR
- MILLS BAYOU
- MIRA LAGO WEST PH 1
- MIRA LAGO WEST PH 2A
- MIRA LAGO WEST PH 2B
- MIRA LAGO WEST PH 3
- NORTH BRANCH SHORES
- OSPREY RESERVE
- PIRATES POINT MINOR SUBDIVISI
- POINT HERON
- RIVER BEND
- RIVER BEND PH 1A
- RIVER BEND PH 1B
- RIVER BEND PH 3A
- RIVER BEND PH 4A
- RIVER BEND WEST SUB
- RIVERBEND WEST PH 1
- RIVERBEND WEST PH 2
- RIVERBEND WEST PHASE 2 LOT 41 BLOCK 2
- RIVERBEND WEST SUBDIVISION PHASE 3
- RUSKIN CITY 1ST ADD
- RUSKIN CITY MAP
- RUSKIN CITY MAP OF
- RUSKIN COLONY FARMS
- RUSKIN COLONY FARMS 1ST EXTENS
- RUSKIN COLONY FARMS 1ST EXTENSION
- RUSKIN COLONY FARMS 3RD ADD
- RUSKIN PRESERVE
- RUSKIN RESERVE
- SABLE COVE UNIT 1
- SABLE COVE UNIT 2
- SAFFOLD PARK SUB UNIT
- SHELL COVE
- SHELL COVE PH 1
- SHELL COVE PH 2
- SHELL POINT 1ST ADD TO
- SHELL POINT MANOR
- SHELL POINT ROAD SUB
- SHELL POINT SUB
- SHERON LEE ESTATES
- SHERWOOD PH 3C
- SOUTH HAVEN
- SOUTH SHORE POINTE
- SOUTHSHORE YACHT CLUB
- SOUTHSHORE YACHT CLUB TOWNHOMES
- SPENCER CREEK
- SPENCER CREEK PHASE 1
- SPENCER CRK PH 1
- SPENCER CRK PH 2
- SPYGLASS AT RIVER BEND
- SUN CITY
- SUN CITY ROSS ADD
- SUN CITY ROSS ADD TO
- TREMONT AT BAY PARK
- TREMONT/BAY PARK 2
- TREMONT/BAY PARK TWO
- UNPLATTED
- WELLINGTON NORTH AT BAY PARK
- WELLINGTON SOUTH AT BAY PARK
- WYNNMERE EAST PH 1
- WYNNMERE EAST PH 2
- WYNNMERE WEST PH 1
- WYNNMERE WEST PH 2 & 3
- WYNNMERE WEST PHASES 2 & 3
Market Summary
Current real estate data for Single Family in RUSKIN as of Jul 13, 2026
297
Single Family Listed
105
Avg DOM
206
Avg $ / SqFt
$426,859
Avg List Price
Property Summary
- Located in the SHELL COVE PH 2 subdivision, 528 OCEAN SPRAY DRIVE RUSKIN FL is a Single Family for sale in RUSKIN, FL, 33570. It is listed for $409,000 and features 4 beds, 4 baths, and has approximately 2,820 square feet of living space, and was originally constructed in 2021. The current price per square foot is $145. The average price per square foot for Single Family listings in RUSKIN is $206. The average listing price for Single Family in RUSKIN is $426,859. To schedule a showing of MLS#tb8522386 at 528 OCEAN SPRAY DRIVE in RUSKIN, FL, contact your CENTURY 21 Carioti agent at 2392986550.
Similar Listings Nearby
Courtesy of LPT REALTY, LLC. Disclaimer: All data relating to real estate for sale on this page comes from the Broker Reciprocity (BR) of the Orlando/Tampa – FL. Detailed information about real estate listings held by brokerage firms other than CENTURY 21 Carioti include the name of the listing broker. Neither the listing company nor CENTURY 21 Carioti shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. The Broker providing this data believes it to be correct, but advises interested parties to confirm any item before relying on it in a purchase decision. Copyright 2026. Orlando/Tampa – FL. All rights reserved. 528 OCEAN SPRAY DRIVE
RUSKIN, FL