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For sale
    • $409,000

    528 Ocean Spray Dr, Ruskin, FL 33570

    4beds
    2,820sqft
    : 
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    Single Family Residence
    Built in 2021
    7,680 Square Feet Lot
    $405,000 Zestimate®
    $145/sqft
    $7/mo HOA

    What's special

    Granite countertopsSpacious open-concept floor planSoaring ceilingsChef-inspired kitchenAbundant natural light throughoutElegant tile flooringStainless steel appliances
    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.
    14 days
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    470
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    35
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Kristy ONeal 309-453-7094,

    LPT REALTY, LLC 877-366-2213

    Source: Stellar MLS,MLS#: TB8522386MLS LogoOriginating MLS: Orlando Regional

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 234 Square Feet
      • Dimensions: 18x13
      Bedroom 2
      • Features: Dual Closets
      • Level: First
      • Area: 144 Square Feet
      • Dimensions: 12x12
      Bedroom 3
      • Features: Dual Closets
      • Level: First
      • Area: 143 Square Feet
      • Dimensions: 13x11
      Bedroom 4
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 143 Square Feet
      • Dimensions: 11x13
      Primary bathroom
      • Features: Tub with Separate Shower Stall
      • Level: First
      • Area: 130 Square Feet
      • Dimensions: 10x13
      Bathroom 2
      • Features: Jack & Jill Bathroom
      • Level: First
      • Area: 20 Square Feet
      • Dimensions: 5x4
      Bathroom 3
      • Level: First
      • Area: 54 Square Feet
      • Dimensions: 6x9
      Dining room
      • Level: First
      • Area: 143 Square Feet
      • Dimensions: 11x13
      Great room
      • Features: En Suite Bathroom, Kitchen Island, Wet Bar
      • Level: First
      • Area: 216 Square Feet
      • Dimensions: 18x12
      Kitchen
      • Level: First
      • Area: 144 Square Feet
      • Dimensions: 9x16
      Living room
      • Level: First
      • Area: 342 Square Feet
      • Dimensions: 19x18
      Heating
      • Electric
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer
      • Laundry: Electric Dryer Hookup, Inside, Laundry Room
      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, In-Law Floorplan
      • Flooring: Carpet, Tile
      • Has fireplace: No
      Interior area
      • Total structure area: 3,709
      • Total interior livable area: 2,820 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 3
      • Parking features: Garage - Attached
      • Attached garage spaces: 3
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Covered
      • Exterior features: Irrigation System
      Lot
      • Size: 7,680 Square Feet
      • Dimensions: 60 x 128
      Details
      • Parcel number: U063219C0O00000000603.0
      • Zoning: PD
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Brick
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2021

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Available
      Green energy
      • Energy efficient items: HVAC

      Community & HOA

      Community
      • Features: Buyer Approval Required, Deed Restrictions, Pool
      • Pet fee: $0 monthly
      • Subdivision: SHELL COVE PH 2
      HOA
      • Has HOA: Yes
      • Amenities included: Pool
      • Services included: Common Area Taxes, Community Pool, Pool Maintenance, Private Road
      • HOA fee: $7 monthly
      • HOA name: Beverly Pavon
      • HOA phone: 813-873-7300
      Location
      • Region: Ruskin

      Financial & listing details

      • Price per square foot: $145/sqft
      • Tax assessed value: $418,381
      • Annual tax amount: $10,266
      • Date on market: 7/1/2026
      • Cumulative days on market: 267 days
      • Listing terms: Assumable,Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Asphalt, Paved

        Estimated market value

        $405,000

        $385,000 - $425,000

        $3,296/mo

        Price history

        DateEventPrice
        7/1/2026Listed for sale$409,000-1.4%$145/sqft
        Source: Stellar MLS #TB8522386 Report a problem
        6/19/2026Listing removed$3,300$1/sqft
        Source: Zillow Rentals Report a problem
        6/15/2026Listed for rent$3,300$1/sqft
        Source: Zillow Rentals Report a problem
        6/1/2026Listing removed$415,000$147/sqft
        Source: Stellar MLS #TB8481015 Report a problem
        5/14/2026Price change$415,000-2.4%$147/sqft
        Source: Stellar MLS #TB8481015 Report a problem
        3/26/2026Price change$425,000-3.2%$151/sqft
        Source: Stellar MLS #TB8481015 Report a problem
        2/27/2026Listed for sale$439,000+2.3%$156/sqft
        Source: Stellar MLS #TB8481015 Report a problem
        2/18/2026Listing removed$429,000$152/sqft
        Source: Stellar MLS #TB8425549 Report a problem
        1/13/2026Price change$429,000-0.2%$152/sqft
        Source: Stellar MLS #TB8425549 Report a problem
        12/2/2025Price change$430,000-4.4%$152/sqft
        Source: Stellar MLS #TB8425549 Report a problem
        10/11/2025Price change$450,000-1.1%$160/sqft
        Source: Stellar MLS #TB8425549 Report a problem
        9/10/2025Listed for sale$455,000+14%$161/sqft
        Source: Stellar MLS #TB8425549 Report a problem
        10/21/2021Sold$399,200+0.6%$142/sqft
        Source: Public Record Report a problem
        5/6/2021Pending sale$396,810$141/sqft
        Source: DR Horton #T3300118 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$11,432 +11.3%$418,381 +2.1%
        2024$10,267 +2.3%$409,765 +3%
        2023$10,039 -6%$397,830 -3.9%
        2022$10,685 +175.3%$414,136 +746.5%
        2021$3,881 +23.5%$48,922 +537%
        2020$3,143 $7,680
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 33570

        Getting around

        51 / 100
        Somewhat Walkable
        48 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Thompson Elementary
        • Middle: Shields-HB
        • High: Lennard-HB

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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