1215 OCEAN SPRAY DRIVE, RUSKIN, FL, 33570
Active8 days on marketListed Jul 15, 2026MLS #TB8529471
About this home
1215 OCEAN SPRAY DRIVE
Virtually Staged. Enjoy peaceful waterfront living in this beautiful 4-bedroom, 3-bath home located in the highly sought-after Shell Cove community of Ruskin. This newer construction home features an open-concept floor plan, a modern kitchen with stainless steel appliances, granite countertops, a large center island, a spacious primary suite with a walk-in closet and private en-suite bath, and a two-car garage. Step outside to the covered porch and relax while taking in the serene pond views, creating the perfect backdrop for your morning coffee or evening unwind. Residents enjoy access to fantastic community amenities including a resort-style pool, playground, dog park, walking trails, and scenic green spaces. Conveniently located near US-41 and I-75, you'll have easy access to shopping, dining, schools, Apollo Beach, downtown Tampa, and Sarasota. Residents are enrolled in our Resident Benefits Package for $34.05/month. Liability insurance is required and may be obtained through our program or a provider of your choice. Pets may be considered with an approved pet screening. Professionally managed by Mega Door Property Management.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,035
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs SHELL COVE PH 1
$1 vs $166
Days on market
8 vs 51 typical
Where $1/sqft sits among the 13 homes for sale in SHELL COVE PH 1
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ruskin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33570 — neighborhood snapshot
Population
33,676
Median age
36.7
Median income
$69,048
Median home value
$255,400
Avg household
2.86
Households w/ children
4,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
9 of 13
SHELL COVE PH 1 have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1215 OCEAN SPRAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$310,000
458 8TH STREET NW · same community
4 bd · 2.5 ba · 2,035 sqft · $152/sqft · 12 DOM
Sold · Jun ’26$314,900
932 OCEAN SPRAY DRIVE · same community
4 bd · 2 ba · 1,846 sqft · $171/sqft · 59 DOM
Sold · May ’26$325,900
1353 OCEAN SPRAY DRIVE · same community
4 bd · 2 ba · 1,846 sqft · $177/sqft · 62 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1215 OCEAN SPRAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1215 OCEAN SPRAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1215 OCEAN SPRAY DRIVE FAQs
What would the monthly payment be for 1215 OCEAN SPRAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 1215 OCEAN SPRAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $2,290, this home is listed about 99% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1215 OCEAN SPRAY DRIVE?+
Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the RUSKIN 33570 market on paper
$2,290 is 99% below the RUSKIN 33570 median of $334,990, and at $1/sqft it sits under the Ruskin average of $221.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $2,350, now $2,290 — a $60 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MEGA DOOR PROPERTY MANAGEMENT · Hannah Pike. MLS #TB8529471.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Ruskin homes, in your inbox
Like 1215 OCEAN SPRAY DRIVE but not quite? A daily digest of every new listing in Ruskin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →