$389,900
575 OCEAN SPRAY DRIVE, RUSKIN, FL 33570
Beds
4
Baths
3
Sq Ft
2,589 sq ft
Year Built
2022
Lot Size
0.15 acres
Garage
2
About This Property
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.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From I-75, take exit for FL-674 W/Collage Ave toward Ruskin. Merge onto FL-674 W / College Ave and travel approx. 2.7 miles until you reach S Tamiami Trail/S U.S. Hwy 41. Travel north for approx. a half mile until you reach W. Shell Point Rd. Travel west for approx. .8 miles and the community will be on your right.
Location
575 OCEAN SPRAY DRIVE, RUSKIN, FL 33570
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$389,900
Loan Term
How to Buy This Home
Multiple financing options available for this $389,900 home in RUSKIN.
🏛️
FHA Loan
$13,647 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
$19,495 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: August 5, 2026.