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Virtually Staged. Welcome to this beautifully maintained 4-bedroom, 2. 5-bath home in the highly sought-after Spencer Creek community of Ruskin. Built in 2021 and offering 2, 635 square feet of thoughtfully designed living space, this two-story residence combines modern finishes, flexible living areas, and breathtaking water views.
Step inside to discover a bright and open floor plan with tile flooring throughout the entire first level. The spacious kitchen serves as the heart of the home, featuring granite countertops, stainless steel appliances, a large center island, abundant cabinetry, and a generous pantry. The kitchen seamlessly opens to the dining area and expansive great room, making entertaining effortless. A private den located on the first floor provides the perfect space for a home office, study, playroom, or flex space, while a convenient half bath completes the downstairs layout.
Upstairs, you’ll find a versatile loft that offers endless possibilities as a media room, gaming area, second family room, or homework station. The spacious primary suite is designed for comfort and privacy, featuring an en-suite bath with dual sinks, a walk-in shower, and an exceptionally large walk-in closet. Three additional bedrooms, a full bath, and an upstairs laundry room provide both convenience and functionality.
One of the home’s most impressive features is the serene backyard overlooking water and natural surroundings. Whether you’re enjoying your morning coffee, watching local wildlife, entertaining guests, or capturing stunning photographs of Florida’s beautiful sunrises and sunsets, the picturesque setting creates a peaceful retreat right outside your door. The water views provide a sense of tranquility and privacy that is becoming increasingly difficult to find.
Residents of Spencer Creek enjoy outstanding community amenities, including a sparkling resort-style swimming pool, playground, basketball courts, and a gated pet park where four-legged family members can run and socialize.
Additional features include a two-car garage, energy-efficient newer construction, and low HOA fees.
Conveniently located near shopping, dining, waterfront parks, boat launches, schools, and major highways, Spencer Creek offers easy access to Tampa, St. Petersburg, Sarasota, and the Gulf Coast beaches while maintaining the charm of a peaceful neighborhood setting.
If you’re searching for a move-in-ready home with generous living space, modern finishes, beautiful water views, exceptional community amenities, and room to grow, this outstanding property deserves a place at the top of your list. Schedule your private showing today and experience the lifestyle that awaits.
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Our Executive Mortgage Banker:
Our Insurance Division:
$357,490
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $285,992 | $285,992 | $285,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.640% | 5.952% |
| Monthly Tax Payment | $737 | $737 | $737 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,713 | $1,806 | $2,375 |
| Total Monthly Payment | $2,525 | $2,618 | $3,187 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.