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 spacesa powerful advantage in todays market. Designed with an open concept floor plan, the home features high ceilings, tile flooring, and abundant natural light. The chefs kitchen is the heart of the home with granite countertops, stainless steel appliances, and a large center islandperfect 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.