575 Ocean Spray Dr, photo 1
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Overview

4 bd3 ba2,589 sqft2 car garageSingle Family
TypeSingle Family
HOA$175/yr
Built2022
Lot6,600 sqft
Living area2,589 sqft
Price / sqft$151
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanStone CountersThermostatWalk-in Closet(s)SidewalkSliding Doors

575 Ocean Spray Dr is a 2022-built home in Shell Cove Ph 2, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,589 square feet of living space. Listed at $389,900 (about $151/sqft), 104 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 annually.

From the listing

This 4-bedroom, 2.5-bath home in Shell Cove is only 4 years old and looks like it just came out of a magazine — luxury vinyl plank floors, granite countertops, wood shaker cabinets, tile backsplash, stainless steel appliances, and a kitchen island that ties it all together. Two stories gives you room to breathe, and with a community pool, playground, and pickleball courts just outside your door, weekends basically plan themselves. All of this for under $400,000 — if you're a first-time buyer who doesn't want to settle, this is the one.

The essentials

Built
2022
Price / sqft
$151
On market
104 days
Annual tax
$9,730
HOA
$175/yr
Flood zone
X500* · Low risk
Lot
6,600 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Community pool
Shared amenity
2 car garage
6,600 sqft lot
Lot size
2,589 sqft
Living area

Payment

Est. monthly payment
$3,054/mo
Down payment (20%)
$77,980
Property taxes
$811/mo
HOA
$175/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
6,600 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
104
Ceiling Fans(s)
High Ceilings
Open Floorplan
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sliding Doors
Deed Restrictions
Park
Playground
Pool
Sidewalks
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file In a CDD (Community Development District) Flood Zone X500*
Annual Tax (2025)
$9,730
Parcel #
U-06-32-19-C0O-000000-00627.0

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
Shell Cove Ph 2
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
6,600 sqft
HOA
$175/yr
INFRAMARK/ Lisa Castoria

Price history

Date
Event
Price
8/5/2026
Price change
Source: Stellar MLS #W7887172
$389,900-2.5%
$151/sqft
6/30/2026
Listed for sale
Source: Stellar MLS #W7887172
$399,900-13.1%
$154/sqft
8/2/2022
Sold
Source: Hillsborough County Public Record
$460,000
$178/sqft

Neighborhood

575 Ocean Spray Dr
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Market insights

Offer Insights

Choose an offer strength

List price: $389,900
$387,500 – $389,900
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 104 after a $10,000 cut.

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
$3,054/mo
Principal & interest$2,033
Property taxes$811
Insurance$195
HOA$15
Down payment20% · $77,980
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 includes any condo dues 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

$389,900

$151 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,589 sq ft

Time on market

104 days

Year built

2022

Monthly payment

About $3,054/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,730 annual tax bill, insurance, and the $175/yr HOA fee.

HOA fee

$175/yr

Managed by INFRAMARK/ Lisa Castoria.

Flood zone

Zone X500*

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byBHHS FLORIDA PROPERTIES GROUPListing agent: JIM Steele, PAListing data from Stellar MLS, MLS# W7887172.

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