1167 OCEAN SPRAY DRIVE, RUSKIN, FL, 33570
Active1 days on marketListed Aug 5, 2026MLS #A4701610
About this home
1167 OCEAN SPRAY DRIVE
Virtually Staged. Spacious, beautifully maintained, and designed with both comfort and functionality in mind, this impressive 4-bedroom, 3-bath home offers 2,738 square feet of versatile living space in the desirable Shell Cove community. Overlooking a peaceful pond, the property combines generous indoor living areas with scenic outdoor views, making it an ideal place to entertain, relax, or accommodate a growing family. A welcoming foyer opens to a private den or home office before leading into the heart of the home. The well-appointed kitchen features granite countertops, a large center island, abundant cabinetry, and a walk-in pantry, all overlooking the bright and spacious great room filled with natural light. Sliding glass doors off the dining area lead to the covered, screened lanai where you can enjoy morning coffee, evening sunsets, or weekend cookouts while taking in tranquil pond views. The oversized backyard also provides ample space to add a future pool. The thoughtfully designed floor plan includes a first-floor bedroom and full bath, perfect for guests or multigenerational living. Upstairs, a spacious bonus room offers flexible living space, while an additional bedroom and full bath create a comfortable private retreat for family or visitors. A custom barn door provides added privacy between the primary suite and bonus room. The expansive primary suite offers a bright, relaxing retreat with an ensuite bath featuring dual granite vanities, a soaking garden tub, a custom glass walk-in shower, and two generous walk-in closets. Storage is exceptional throughout the second floor, including a walk-in closet in one of the secondary bedrooms and three additional hallway closets, providing plenty of room to stay organized. This meticulously maintained home also includes a whole-house water softener installed approximately three years ago, a security system, and major components that offer added peace of mind, including a roof and water heater that are both approximately four years old. Residents of Shell Cove enjoy outstanding community amenities including a resort-style pool, clubhouse, playground, and dog park. Conveniently located near US-41 and I-75, you'll have easy access to Tampa, St. Petersburg, Bradenton, shopping, restaurants, marinas, parks, nature preserves, and the beautiful Gulf Coast beaches. Move-in ready and loaded with space, storage, and modern conveniences, this exceptional home is ready for its next owners. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,738
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$155
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,658 /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
$3,658/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
−0.4%
Days on market
1 vs 53 typical
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
$315K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1167 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 1167 OCEAN SPRAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
1167 OCEAN SPRAY DRIVE FAQs
What would the monthly payment be for 1167 OCEAN SPRAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,658/mo — principal and interest, the actual property-tax bill, the $15/mo association fee 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.
How much are the HOA fees at 1167 OCEAN SPRAY DRIVE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1167 OCEAN SPRAY DRIVE?+
The most recent tax bill on record (2025) was $9,522. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1167 OCEAN SPRAY DRIVE?+
The listing reports pets: 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 $424,999, this home is listed about 22% above the Ruskin median of $349,700. The market section on this page shows how the area is trending.
Which schools are assigned to 1167 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
01Positioned at the premium end
$424,999 runs 25% above the RUSKIN 33570 median — but at 2,738 sqft it's also 41% larger than the typical Ruskin listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Ruskin market that averages 53 — if it fits, move quickly.
Listing courtesy of EXP REALTY, LLC · Jennifer Kenna. MLS #A4701610.
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.
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