One or more photo(s) has been virtually staged. Welcome to 528 Ocean Spray Dr in Ruskin, a 2021-built, move-in ready home offering 4 bedrooms, 3.5 bathrooms, and 2,820 sq ft in the sought-after Shell Cove community. This rare opportunity combines low-interest assumable financing, modern construction, and flexible living spaces—a powerful advantage in today’s market. Designed with an open-concept floor plan, the home features high ceilings, tile flooring, and abundant natural light. The chef’s kitchen is the heart of the home with granite countertops, stainless steel appliances, and a large center island—perfect for entertaining and everyday living. A standout feature is the private in-law suite with its own entrance, ideal for multigenerational living, guests, home office, or rental income potential. The primary suite offers a peaceful retreat with a walk-in closet, dual vanities, garden tub, and separate shower. Two additional bedrooms share a Jack-and-Jill bathroom, providing smart separation and privacy. Enjoy Florida living in the oversized backyard, perfect for gatherings, pets, or future outdoor enhancements. Residents of Shell Cove enjoy access to a community pool, well-maintained common areas, and a prime location just minutes from shopping, dining, and grocery stores. NO FLOOD INSURANCE REQUIRED! Assumable VA loan at 2.99% (qualified buyers) Built in 2021. Low HOA. Convenient access to I-75, Tampa, and surrounding areas. Bonus: A FREE appraisal and potential lender incentives are available when using the preferred lender.