Property Description

Welcome to 528 Ocean Spray Drive in Ruskin—a beautifully maintained, move-in ready home built in 2021, offering 4 bedrooms, 3.5 bathrooms, and 2,820 square feet of thoughtfully designed living space in the sought-after Shell Cove community.

This spacious open-concept floor plan features soaring ceilings, elegant tile flooring, and abundant natural light throughout. The heart of the home is the chef-inspired kitchen, complete with granite countertops, stainless steel appliances, ample cabinetry, and a large center island perfect for entertaining and everyday living.

A standout feature is the private in-law suite with its own separate entrance, providing exceptional flexibility for multigenerational living, guests, a home office, or potential rental income opportunities.

Step outside and enjoy Florida living at its finest in the oversized backyard, offering plenty of space for outdoor gatherings, recreation, or future customization.

Residents of Shell Cove enjoy a variety of community amenities, including a resort-style pool, playground, neighborhood park, and scenic walking trails. With a low HOA, no flood insurance requirement, and convenient access to I-75, Tampa, shopping, dining, and grocery stores, this location perfectly balances comfort and convenience.

Adding even more value, qualified buyers may take advantage of an assumable VA loan at an attractive 2.99% interest rate. Plus, a free appraisal and potential lender incentives are available when using the preferred lender.

Don't miss this incredible opportunity to own a modern, versatile home in one of Ruskin's most desirable communities.

Included Appliances

DishwasherDisposalDryerFreezerMicrowaveRangeRefrigeratorWasher

Property Details

Interior

Additional Rooms

Interior In-Law Suite w/Private Entry

Appliances

DishwasherDisposalDryerFreezerMicrowaveRangeRefrigeratorWasher

Bathrooms Total Decimal

3.5

Building Area Total

3709

Cooling

Central Air

Flooring

CarpetTile

Furnished

Unfurnished

Green Energy Efficient

HVAC

Heating

Electric

Interior Features

Ceiling Fan(s)Dry BarEating Space In KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorThermostatTray Ceiling(s)Walk-In Closet(s)Wet Bar

Laundry Features

Electric Dryer HookupInsideLaundry Room

Living Area

2820

Rooms Total

11

Construction

Building Area Source

Public Records

Building Area Units

Square Feet

Construction Materials

Brick

Direction Faces

West

Foundation Details

Slab

Levels

One

Living Area Source

Public Records

Living Area Units

Square Feet

Roof

Shingle

Stories Total

Yes

Year Built

2021

Site & Exterior

Covered Spaces

3

Exterior Features

Irrigation System

Flood Zone Code

X500*

Garage Spaces

3

I D X Participation

Yes

Lot Size Acres

0.18

Lot Size Area

7680

Lot Size Dimensions

60 x 128

Lot Size Square Feet

7680

Lot Size Units

Square Feet

Patio And Porch Features

Covered

Public Survey Range

19

Public Survey Section

06

Road Surface Type

AsphaltPaved

Sewer

Public Sewer

Total Acreage

0 to less than 1/4

Utilities

Cable AvailableElectricity Available

Water Source

Public

Zoning

PD

Financials

Association Fee

85

Association Fee Frequency

Annually

Association Fee Includes

Common Area TaxesCommunity PoolPool MaintenancePrivate Road

Calculated List Price By Calculated Sq Ft

145.04

Contract Status Change Date

2026-06-30

Current Price

409000

Feed Types

BBO

Lease Considered

Yes

Minimum Lease

8-12 Months

Monthly H O A Amount

7.08

Owner Name

CHRISTIAN CUMMINGS & CUMMINGS SHANITA BARTLETT

Ownership

Fee Simple

Parcel Number

U063219C0O00000000603.0

Public Survey Township

32

Tax Annual Amount

10266.89

Tax Block

02

Tax Book Number

137-191

Tax Legal Description

SHELL COVE PHASE 2 LOT 603

Tax Lot

603

Tax Other Annual Assessment Amount

2715

Tax Year

2024

Total Annual Fees

85

Total Monthly Fees

7.08

Neighborhood & Lifestyle

Community & Association

Additional Lease Restrictions

Buyer and buyer agent to verify with the HOA

Association Amenities

Pool

Association Approval Required

Yes

Association Email

beverly.pavon@merituscorp.com

Association Fee Requirement

Required

Association Name

Beverly Pavon

Association Phone

813-873-7300

Association U R L

merituscommunity.com

Community Features

Buyer Approval RequiredDeed RestrictionsPool

Lease Restrictions

Yes

M L S Area Major

33570 - Ruskin/Apollo Beach

Pet Restrictions

Buyer and buyer agent to verify with the HOA

Pets Allowed

Cats OKDogs OK

Subdivision Name

SHELL COVE PH 2

Schools

Ratings

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

Listing provided courtesy of STELLAR via IDX. Updated: Jul 1, 2026, 7:23am.

528 OCEAN SPRAY DRIVE

528 OCEAN SPRAY DRIVE

Property Description

Property Details

Interior

Construction

Site & Exterior

Financials

Neighborhood & Lifestyle

Community & Association

Schools

Kristy ONeal

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528 OCEAN SPRAY DRIVE

528 OCEAN SPRAY DRIVE

Property Description

Property Details

Interior

Construction

Site & Exterior

Financials

Neighborhood & Lifestyle

Community & Association

Schools

Kristy ONeal