$385,000
1565 COLDING DRIVE, RUSKIN, FL 33570
Beds
4
Baths
3
Sq Ft
2,439 sq ft
Year Built
2021
Lot Size
0.17 acres
Garage
3
About This Property
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!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
Just 3 miles from I-75, off exit 240B onto E College Ave/FL-674 toward Ruskin, left on 15th St SE (a bit of a country road), and left again on Colding Dr.
Location
1565 COLDING DRIVE, RUSKIN, FL 33570
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$385,000
Loan Term
How to Buy This Home
Multiple financing options available for this $385,000 home in RUSKIN.
🏛️
FHA Loan
$13,475 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$19,250 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Hillsborough County SHIP
Varies
Income-qualifying Hillsborough residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: September 20, 2026.