138 Rain Berry Ave, photo 1
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Overview

4 bd3 ba2,557 sqft3 car garageSingle Family
TypeSingle Family
HOA$117/mo
Built2021
Lot8,045 sqft
Living area2,557 sqft
Price / sqft$156
Garage3 car

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

About this home

Accessibility FeaturesCeiling Fans(s)Eat-in KitchenHigh CeilingsIN Wall Pest SystemKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main Floor

138 Rain Berry Ave is a 2021-built home in Osprey Reserve, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,557 square feet of living space. Listed at $399,999 (about $156/sqft), 153 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $117 monthly.

From the listing

Welcome to Osprey Reserve, where modern construction, energy efficiency, and exceptional value come together in this beautifully maintained 2021 Lennar-built Phoenix model. This like-new, 4 bedroom, 3 car garage, single-story home offers the perfect combination of comfort, convenience, and long-term savings with NO CDD fees and a low HOA. One of the home's most attractive features is its solar panel system, helping keep utility costs remarkably low, with the current owner's average electric bill approximately $15 per month. Built with energy efficiency in mind, this home also features LED lighting, energy-efficient appliances, and modern construction standards designed to maximize comfort while minimizing monthly expenses. Inside, you'll find a thoughtfully designed open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating an ideal space for both everyday living and entertaining. The kitchen offers ample cabinet and counter space, stainless steel appliances, granite counters, modern finishes, and a functional layout that serves as the heart of the home. Step outside to one of the property's standout upgrades—a large covered and screened lanai enclosure, providing the perfect place to enjoy Florida's beautiful weather year-round. Whether you're hosting family and friends, enjoying your morning coffee, or relaxing after a long day, this outdoor living space significantly expands the home's usable square footage and lifestyle appeal. Located in the desirable Osprey Reserve community, residents enjoy a convenient location near shopping, dining, schools, major commuter routes, and the many recreational opportunities that make Florida living so desirable. For qualified buyers, this home presents an incredible financing opportunity with a VA assumable loan at just 2.75% interest, potentially offering substantial monthly savings compared to current market rates. Why wait for new construction when you can move right into this meticulously maintained home featuring modern finishes, energy-saving upgrades, a premium screened outdoor living space, low HOA fees, no CDD, and the opportunity to assume an attractive low-interest VA loan. Schedule your private showing today and discover everything this exceptional Osprey Reserve home has to offer.

The essentials

Built
2021
Price / sqft
$156
On market
153 days
Annual tax
$8,240
HOA
$117/mo
Flood zone
AE
Lot
8,045 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
3 car garage
Garage Door Opener
8,045 sqft lot
Lot size
2,557 sqft
Living area

Payment

Est. monthly payment
$3,090/mo
Down payment (20%)
$80,000
Property taxes
$687/mo
HOA
$117/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
8,045 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Parking Pad
Days on Market
153
Accessibility Features
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Outdoor Grill
Private Mailbox
Sidewalk
Sliding Doors
Deed Restrictions
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Apollo Beach-HB
Middle
Shields-HB
High
Lennard-HB

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

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$8,240
Parcel #
U-06-32-19-C25-000000-00025.0

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
Osprey Reserve
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
8,045 sqft
In CountySidewalkPaved
HOA
$117/mo
Folio Association Management

Price history

Date
Event
Price
5/11/2026
Listed for sale
Source: Stellar MLS #TB8507799
$399,999+21.1%
$156/sqft
4/15/2021
Sold
Source: Hillsborough County Public Record
$330,400
$129/sqft

Neighborhood

138 Rain Berry Ave
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Market insights

Offer Insights

Choose an offer strength

List price: $399,999
$397,500 – $399,999
99.5% – 100% of listTops out right at the list price
80% of listList price
123 of the last 211 home closings in 33570 landed at this number or higher (58%). The median one sat 43 days before it went under contract, and this one is on day 153.

Sample: 211 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,090/mo
Principal & interest$2,086
Property taxes$687
Insurance$200
HOA$117
Down payment20% · $80,000
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.

Quick answers.

Price

$399,999

$156 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,557 sq ft

Time on market

153 days

Year built

2021

Monthly payment

About $3,090/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,240 annual tax bill, insurance, and the $117/mo HOA fee.

HOA fee

$117/mo

Managed by Folio Association Management.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byARK REALTYListing agent: Joel ParedesListing data from Stellar MLS, MLS# TB8507799.

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