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1565 Colding Dr, Ruskin, FL, 33570

$158/sqft·Spencer Crk Ph 2

4 bd3 ba2,439 sqft3 car garageSingle Family
Listed by VANTAGE REALTY PARTNERS· Last updated · MLS# TB8540878

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Est. monthly payment
$3,134/mo
Down payment (20%)
$77,000
Property taxes
$825/mo
HOA
$1,300/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2021
3 car garage
7,606 sqft lot
Lot size
2,439 sqft
Living area

About this home

Ceiling Fans(s)SidewalkDishwasherMicrowaveRefrigerator

1565 Colding Dr is a 2021-built home in Spencer Crk Ph 2, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,439 square feet of living space. Listed at $385,000 (about $158/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,300 annually.

From the listing

Tucked inside Ruskin's sought-after Spencer Creek community, 1565 Colding Drive offers the kind of flexible, comfortable living that growing families and remote workers have been searching for in the Tampa Bay area. This spacious 4 bedroom plus office home backs to a peaceful pond view, giving the backyard a serene, open feel that makes outdoor living that much more enjoyable. Inside, the thoughtfully designed floor plan connects the main living and dining areas to the kitchen in a natural, easy flow perfect for everyday life and entertaining. The primary suite offers a private retreat with an en-suite bathroom and generous closet space, while three additional bedrooms and a dedicated office provide flexibility for whatever your lifestyle demands. Spencer Creek residents enjoy access to a clubhouse, pool, dog park, playground, and basketball court, making this a community that truly has something for everyone. Situated in the rapidly growing South Shore corridor with convenient access to US-41, US-301, and I-75, you are minutes from Apollo Beach, E.G. Simmons Regional Park, waterfront dining, shopping, and everyday conveniences, with an easy commute to Downtown Tampa, Brandon, and Riverview. Space, community, and location all in one. Schedule your showing today!

The essentials

Built
2021
Price / sqft
$158
On market
14 days
Annual tax
$9,904
HOA
$1,300/yr
Flood zone
X · Low risk
Lot
7,606 sqft
Type
Single Family Residence

Location

1565 Colding Dr
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2021
Lot
7,606 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
14
Ceiling Fans(s)
Sidewalk
Dishwasher
Microwave
Refrigerator
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$9,904

Parcel #

U-16-32-19-C3U-000000-00269.0

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

7,606 sqft

HOA
$1,300/yr
Spencer Creek Community Association / Linda
Date
Event
Price
8/31/2026
Listed for sale
Source: Stellar MLS #TB8540878
$385,000+11.4%
$158/sqft
12/17/2021
Sold
Source: Hillsborough County Public Record
$345,500
$142/sqft
Est. monthly payment$3,134/mo
Principal & interest$2,008
Property taxes$825
Insurance$193
HOA$108
Down payment20% · $77,000
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.

Offer Insights

Choose an offer strength

List price: $385,000
$382,500 – $385,000
99.5% – 100% of listTops out right at the list price
80% of listList price
95 of the last 168 home closings in 33570 landed at this number or higher (57%). The median one sat 41 days before it went under contract, and this one is on day 14.

Sample: 168 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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