ActiveNO CDD
1 / 10
$399,999
$156/sqft
HOA: $117/moTaxes: $8,240/yr80d on market
4 Beds|3 Baths|2,557 Sq Ft|Built 2021|3 Car Garage
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✨ This home matches what most buyers are looking for in this area.

C2C

Coast 2 Coast Home Realty

Licensed Florida Realtors

4.9· 214 reviews

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Buyer Insights

Here's what we know about this listing.

Why this home stands out

  • 80 days on market
  • Updated 1 day ago

Buyer Insights are informational only — always verify with your agent.

Welcome to Osprey Reserve, where modern construction, energy efficiency, and exceptional value come together in this beautifully maintained 2021 Lennar-built Phoenix model. This like-new, 4 bedroom, 3 car garage, single-story home offers the perfect combination of comfort, convenience, and long-term savings with NO CDD fees and a low HOA. One of the home's most attractive features is its solar panel system, helping keep utility costs remarkably low, with the current owner's average electric bill approximately $15 per month. Built with energy efficiency in mind, this home also features LED lighting, energy-efficient appliances, and modern construction standards designed to maximize comfort while minimizing monthly expenses. Inside, you'll find a thoughtfully designed open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating an ideal space for both everyday living and entertaining. The kitchen offers ample cabinet and counter space, stainless steel appliances, granite counters, modern finishes, and a functional layout that serves as the heart of the home. Step outside to one of the property's standout upgrades—a large covered and screened lanai enclosure, providing the perfect place to enjoy Florida's beautiful weather year-round. Whether you're hosting family and friends, enjoying your morning coffee, or relaxing after a long day, this outdoor living space significantly expands the home's usable square footage and lifestyle appeal. Located in the desirable Osprey Reserve community, residents enjoy a convenient location near shopping, dining, schools, major commuter routes, and the many recreational opportunities that make Florida living so desirable. For qualified buyers, this home presents an incredible financing opportunity with a VA assumable loan at just 2.75% interest, potentially offering substantial monthly savings compared to current market rates. Why wait for new construction when you can move right into this meticulously maintained home featuring modern finishes, energy-saving upgrades, a premium screened outdoor living space, low HOA fees, no CDD, and the opportunity to assume an attractive low-interest VA loan. Schedule your private showing today and discover everything this exceptional Osprey Reserve home has to offer.

City
RUSKIN
Subdivision
OSPREY RESERVE
County
Hillsborough
Zip Code
33570

School Report Card

Source: FL Dept. of Education

ABCDF
Elementary
Middle
High

Neighborhood

Map unavailable

Type
Single Family Residence
Living Area
2,557 sqft
Construction
Block, Stucco
Roof
Shingle
Flooring
Ceramic Tile, Tile
Pool
No
HOA
$117 / Monthly
  • Accessibility Features
  • Ceiling Fans(s)
  • Eat-in Kitchen
  • High Ceilings
  • In Wall Pest System
  • Kitchen/family Room Combo
  • Open Floorplan
  • Primary Bedroom Main Floor
  • Solid Surface Counters
  • Solid Wood Cabinets
  • Split Bedroom
  • Thermostat
  • Walk-in Closet(s)
  • Window Treatments
  • Hurricane Shutters
  • Outdoor Grill
  • Private Mailbox
  • Sidewalk
  • Sliding Doors
  • Dishwasher
  • Disposal
  • Dryer
  • Electric Water Heater
  • Exhaust Fan
  • Microwave
  • Range
  • Range Hood
  • Refrigerator
  • Washer
  • Inside
  • Laundry Room
  • Enclosed
  • Patio
  • Screened
  • In County
  • Sidewalk
  • Paved
  • Bb/hs Internet Available
  • Cable Available
  • Cable Connected
  • Fiber Optics
  • Phone Available
  • Sprinkler Recycled
  • Deed Restrictions
Bedrooms
4
Bathrooms
3
Year Built
2021
Construction
Block, Stucco
Flooring
Ceramic Tile, Tile
Roof
Shingle
Garage Spaces
3
Cooling
Central Air
Heating
Central, Electric
Waterfront
No
Pet Restrictions
Yes
Lot Size
0.18 acres
Senior Community
No
Building Elevator
Pet Size
# of Pets
Max Pet Weight
Tax Year
2025
Annual Tax Amount
$8,240

Association Fees

  • HOA Fee

    Folio Association Management

    $117/ Monthly

Down Payment20% — $80,000
Interest Rate6.50%
Loan Term
Est. Mortgage
$2,023
HOA Fee
$117
Est. Property Tax
$687
Est. Insurance
$133
Total Est. Monthly Cost$2,960

* Estimates are for illustration purposes only and do not constitute an offer of financial advice. Actual rates, payments, insurance, and taxes will vary based on credit, location, and other factors. Contact a licensed mortgage professional for a personalized quote. Homeowners insurance estimate based on Florida averages.

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