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528 OCEAN SPRAY DR Ruskin, FL 33570

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$430,000
528 OCEAN SPRAY DR Ruskin, FL 33570
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FL > Ruskin > Shell Cove Ph 2
Ruskin, FL 33570,528 OCEAN SPRAY DR
Ruskin, FL 33570,528 OCEAN SPRAY DR
Ruskin, FL 33570,528 OCEAN SPRAY DR
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Isaac Loviglio

Isaac Loviglio

opentoclose@livingluxury.homes +1(941) 241-2581
$430,000
Est. payment /mo
4 Beds
4 Baths
2,820 SqFt
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UPDATED:

Key Details

Property Type Single Family Home

Sub Type Single Family Residence

Listing Status Active

Purchase Type For Sale

Square Footage 2,820 sqft

Price per Sqft $152

Subdivision Shell Cove Ph 2

MLS Listing ID TB8425549

Bedrooms 4

Full Baths 3

Half Baths 1

HOA Fees $85/ann

HOA Y/N Yes

Annual Recurring Fee 85.0

Year Built 2021

Annual Tax Amount $10,266

Lot Size 7,840 Sqft

Acres 0.18

Lot Dimensions 60x128

Property Sub-Type Single Family Residence

Source Stellar MLS

Property Description

ASSUMABLE VA LOAN AT 2.99%! NO FLOOD INSURANCE REQUIRED! Welcome to this beautifully constructed 4-bedroom, 3.5-bathroom 2,820 square foot home built in 2021, located in the desirable Shell Cove community! Designed for comfort and versatility, this spacious home offers modern finishes, an open-concept layout, and a rare in-law suite with a private entrance—perfect for multigenerational living, guests, or rental potential.
Inside, you'll find a bright and airy living space with high ceilings, tile flooring, and modern fixtures throughout. The gourmet kitchen features stainless steel appliances, granite countertops, and a large island ideal for entertaining. The primary suite offers a private retreat with a walk-in closet, while the primary bathroom has a separate garden tub and shower.
The split layout gives two bedrooms in the front, equipped with a jack and jill bathroom, and offers generous privacy. The oversized backyard is perfect for entertaining guests or giving the pets a place to run free.
Step outside and enjoy all that Shell Cove has to offer, including a community pool and beautifully maintained common areas. This home combines the best of style, function, and location—within a mile from groceries, shopping and dining.
The owner is still occupying the property, so please respect their privacy.
FREE APPRAISAL AND OTHER POSSIBLE DISCOUNTS AVAILABLE BY USING OUR PREFERRED LENDER, WILLIAM WILLIS.

Location

State FL

County Hillsborough

Community Shell Cove Ph 2

Area 33570 - Ruskin/Apollo Beach

Zoning PD

Interior

Interior Features 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

Heating Electric

Cooling Central Air

Flooring Carpet, Tile

Fireplace false

Appliance Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer

Laundry Electric Dryer Hookup, Inside, Laundry Room

Exterior

Garage Spaces 3.0

Community Features Buyer Approval Required, Deed Restrictions, Pool

Utilities Available Cable Available, Electricity Available

Amenities Available Pool

Roof Type Shingle

Porch Covered

Attached Garage true

Garage true

Private Pool No

Building

Story 1

Entry Level One

Foundation Slab

Lot Size Range 0 to less than 1/4

Sewer Public Sewer

Water Public

Structure Type Brick

New Construction false

Others

Pets Allowed Cats OK, Dogs OK

HOA Fee Include Common Area Taxes,Pool,Private Road

Senior Community No

Ownership Fee Simple

Monthly Total Fees $7

Acceptable Financing Cash, Conventional, FHA, VA Loan

Membership Fee Required Required

Listing Terms Cash, Conventional, FHA, VA Loan

Special Listing Condition None

Virtual Tour https://www.zillow.com/view-imx/40d32efb-37a3-41eb-9bec-5a4229e1ba7d/?utm_source=captureapp


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Stellar MLS
© 2026 My Florida Regional MLS DBA Stellar MLS. All Rights Reserved.
Listed by Chapin Richards LPT REALTY, LLC

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Isaac Loviglio

Isaac Loviglio

+1(941) 241-2581

Agent | License ID: SL3466395

Agent License ID: SL3466395

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528 OCEAN SPRAY DR

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Isaac Loviglio License ID: SL3466395

+1(941) 241-2581 opentoclose@livingluxury.homes

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