Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$450,029$160 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $373,205 on Jul 23, 2021

554 OCEAN SPRAY DR

RUSKIN, FL 33570
4
Beds
4
Baths
2,820 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$450K
$429K low$471K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$373,205 · Jul 23, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$125,310
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$100,248
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.69%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$303,788
FBC MORTGAGE LLC · E · recorded Jul 23, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$20,931
DEPARTMENT OF HOUSING & URBAN DEV

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,195 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$418,381 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$82,790
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$335,591
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$418,381
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$418,381

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.67
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
38
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.90 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.99%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyHillsborough
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2023
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Thompson Elementary SchoolD
Elementary · Grades PK–5 · 2.0 mi
H
Earl J. Lennard High SchoolD+
High · Grades 9–12 · 2.2 mi
M
Beth Shields Middle SchoolD
Middle · Grades 6–8 · 4.5 mi

District: Hillsborough County School District

Neighborhood · ZIP 33570These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.178
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.37,027
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.787 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,620
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,829
Average tempThe average temperature here across a full year.73°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

554 Ocean Spray Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Ruskin 33570
  • Costs less per square foot than 88% of homes in Hillsborough County
  • Bigger than 92% of homes in Ruskin 33570
  • Newer than 95% of homes in Hillsborough County

What homes are worth in Ruskin 33570

Each bar is how many homes fall in that price range. The marker is this home.

This home
$166K$873K

This home is worth more than 90% of homes in Ruskin 33570.

How it measures up in Ruskin 33570

The dot is this home. The mark in the middle is the typical home in Ruskin 33570.

Estimated value$450,029
CheaperTypical $316,843Pricier

Pricier than 90% of homes nearby

Price per ft²$160
CheaperTypical $171Pricier

Pricier than 32% of homes nearby

Living area2,820 ft²
SmallerTypical 1,782 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.18 ac
SmallerTypical 0.15 acBigger

Bigger than 62% of homes nearby

Year built2021
OlderTypical 2011Newer

Newer than 88% of homes nearby

How 554 Ocean Spray Dr ranks against every home in each area.
MeasureThis homeRuskin 33570Hillsborough County
Estimated valuepricier than$450,02990% of homes67% of homes
Price per ft²pricier than$16032% of homes12% of homes
Living areabigger than2,820 ft²92% of homes88% of homes
Lot sizebigger than0.18 ac62% of homes47% of homes
Year builtnewer than202188% of homes95% of homes

About 554 Ocean Spray Dr

How much is 554 Ocean Spray Dr, Ruskin, FL worth?

The TopHap Estimate for 554 Ocean Spray Dr, Ruskin, FL is $450,029 as of Jul 14, 2026. The likely range is $429,206 to $470,852. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 554 Ocean Spray Dr, Ruskin, FL last sell?

554 Ocean Spray Dr, Ruskin, FL last sold on Jul 23, 2021 for $373,205, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 554 Ocean Spray Dr, Ruskin, FL?

554 Ocean Spray Dr, Ruskin, FL has 4 bedrooms, 4 bathrooms, 2,820 square feet of living space and a 0.18-acre lot.

When was 554 Ocean Spray Dr, Ruskin, FL built?

554 Ocean Spray Dr, Ruskin, FL was built in 2021, making it 5 years old. It is a contemporary home. The building has 1 story.

What schools serve 554 Ocean Spray Dr, Ruskin, FL?

554 Ocean Spray Dr, Ruskin, FL is assigned to Thompson Elementary School (elementary), rated D; Earl J. Lennard High School (high), rated D+; Beth Shields Middle School (middle), rated D. All sit in Hillsborough County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 554 Ocean Spray Dr, Ruskin, FL compare to other homes in Ruskin 33570?

Among the 12,337 homes in Ruskin 33570, it is worth more than 90% of them ($450,029 against a typical $316,843), its price per square foot is higher than 32% of them ($160 against a typical $171), it is bigger than 92% of them (2,820 ft² against a typical 1,782 ft²), its lot is bigger than 62% of them (0.18 ac against a typical 0.15 ac) and it is newer than 88% of them (2021 against a typical 2011). Measured against all of Hillsborough County, it is worth more than 67% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 554 Ocean Spray Dr, Ruskin, FL?

The 2025 property tax bill for 554 Ocean Spray Dr, Ruskin, FL was $12,195. The county assessed it at $418,381.

Closest homes

More homes in Ruskin 33570

Assigned schools

Explore the area

See this home in context

Open 554 Ocean Spray Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map