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About this home
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.
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.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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.
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