Property Attributes
- MLS#TB8536648
- TypeSingle Family
- Listing Status Active
- CountyHillsborough
- CityRUSKIN
- AreaRuskin/Apollo Beach
- NeighborhoodSPENCER CRK PH 2
- Zip33570
- StyleSingle Family Residence
- Year Built2022
- Taxes$ 10104
- Price$ 449,900
- Bedrooms6
- Full Bathrooms3
- Half Bathrooms0
- Sqr Footage3362
- Lot Size0.25 Acres
Data Source:
Stellar MLS
Property Description
USDA eligible! Qualified buyers can purchase with ZERO down, and with the right offer the seller will cover closing costs, meaning you could get into this home with little to NOTHING out of pocket. Use our preferred lender and receive a 1% lender credit toward buying down your interest rate on top of it. At 3,326 square feet, you will not find a more affordable home of this size anywhere in Tampa Bay for the money. Now the house itself. Built in 2022 with 6 bedrooms and 3 full baths, tastefully updated with luxury flooring in all the common spaces. The open floor plan connects the kitchen, dining, and living areas into one big gathering space, and two flex rooms give you options most homes simply do not have. Home office, gym, playroom, theater, you choose. Two bedrooms sit downstairs, including the primary suite, so there are no stairs between you and your morning coffee. Upstairs holds the remaining bedrooms plus room to spread out. All of it on a quarter acre corner lot with extra yard, extra privacy, and only one neighbor beside you. And the HOA? Roughly $9 a month. You read that right. Spencer Creek puts you minutes from I75, US301, shopping, and the waterfront. Homes like this do not sit. Schedule your private showing today.
| Elementary School | Middle School | High School |
|---|---|---|
| Ruskin-HB Elementary School | Shields-HB Middle School | Lennard-HB High School |
| Price History | |
|---|---|
| 8/7/2026 | Listed $449,900 |
General Features
| Sewer | Public Sewer |
|---|---|
| Heating | Electric,Heat Pump |
| Cooling | Central Air |
| Utilities | BB/HS Internet Available,Cable Connected,Electricity Connected,Public,Sewer Connected,Street Lights,Underground Utilities,Water Connected |
| Roof | Shingle |
| Appliances | Dishwasher,Disposal,Dryer,Electric Water Heater,Freezer,Ice Maker,Kitchen Reverse Osmosis System,Microwave,Range,Refrigerator,Washer,Water Purifier,Water Softener |
| Zoning | PD |
| HOA Fee | 20 |
| Garage Spaces | 2 |
| Construction Materials | Block,Stucco |
| Pets Allowed | Cats OK,Dogs OK |
| Year Built | 2022 |
| Levels | Two |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Ownership | Fee Simple |
| Community Features | Clubhouse,Deed Restrictions,Dog Park,Playground,Pool |
| Assoc Fee Paid Per | Annually |
| County | Hillsborough |
| New Construction | false |
| Property Type | Residential |
| Association Amenities | Playground,Pool,Recreation Facilities |
| Attached Garage | true |
| Subdivision Name | SPENCER CRK PH 2 |
| Facing Direction | Northwest |
| Garage Y/N | true |
| Total Rooms | 11 |
| Full Baths | 3 |
| Status | Active |
| Directions | From I75, take Exit 240B for SR 674 W / College Ave toward Ruskin. Head west on College Ave, then turn left onto 15th St SE. Turn left onto Golden Glow Dr to enter Spencer Creek, then continue to Fan Aloe Way. Home is on the corner lot at 1911 Fan Aloe Way. |
| High School | Lennard-HB |
| City | RUSKIN |
| Association Name | Home River Group |
| Senior Community Y/N | false |
| MLS Area | 33570 - Ruskin/Apollo Beach |
| Lot Size Units | Square Feet |
| Lot Size Square Feet | 11080 |
| Carport Y/N | false |
| Listing Terms | Cash,Conventional,FHA,USDA Loan,VA Loan |
| Elementary School | Ruskin-HB |
| Land Lease Y/N | false |
| Tax Annual Amount | 10104.65 |
| Middle/Junior High School | Shields-HB |
| Additional Parcels Y/N | false |
| Lease Considered Y/N | true |
| Virtual Tour | https://www.propertypanorama.com/instaview/stellar/TB8536648 |
| Building Area Units | Square Feet |
| Living Area Units | Square Feet |
| Standard Status | Active |
| Occupancy Type | Owner |
| TaxOtherAnnualAssessmentAmount | 3052 |
| Tax Lot | 235 |
| Legal Description | SPENCER CREEK PHASE 2 LOT 235 |
| Pet Size Limit | Extra Large (101+ Lbs.) |
| Minimum Lease | 7 Months |
| Water Access Y/N | false |
| Monthly HOA Amount | 1.67 |
| Additional Rooms | Great Room,Inside Utility,Loft,Storage Rooms |
| Water View Y/N | false |
| Flood Zone Code | X |
| In Law Suite YN | false |
| Flood Zone Code X | Yes |
Interior Features
| Interior Amenities | Ceiling Fan(s),Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Stone Counters,Thermostat,Walk-In Closet(s) |
|---|---|
| Flooring | Carpet,Engineered Hardwood,Tile,Travertine |
| Furnished Y/N | Negotiable |
| Total Stories | 2 |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Window Features | Blinds |
| Fireplace Y/N | false |
| Laundry Features | Inside,Laundry Room |
| Total Bedrooms | 6 |
| LivingAreaSource | Public Records |
| Total Baths | 3 |
Exterior Features
| Exterior Amenities | Irrigation System,Sidewalk,Sliding Doors |
|---|---|
| Parking Features | Driveway,Garage Door Opener,Ground Level,Off Street |
| Water Source | Public |
| Lot Size Area | 11080 |
| Foundation Details | Slab |
| Spa | false |
| Building Area Total | 3858 |
| Lot Dimensions | 88.64 x 125 |
| Lot Size Acres | 0.25 |
| Road Surface Type | Asphalt |
| Private Pool | false |
| Waterfront Y/N | false |
| Covered Spaces | 2 |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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.
Updated on September 12, 2026 10:01 AM UTC