Spencer Creek
Homes for Sale in Ruskin, FL
All 275 homes for sale in Ruskin, FL · median $339,000 · 221 homes for sale in 33570 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, spencer creek in Ruskin, FL has 11 homes for sale and 2 pending, asking from $299,000 to $464,900 (median $343,000). Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $355,000, $167 per square foot, a median 117 days on market, sellers accepting 93% of original asking (+5% versus the prior year). Homes listed or recently sold were built 2020 - 2022; 22 of 22 report an HOA (median $13/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 22 ft). At the median price and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $5,580 ($4,960 with the full homestead exemption).
| Location | Ruskin, Hillsborough County, FL · ZIP 33570 |
|---|---|
| Homes in the community | 172 (FL DOR 2025 assessment roll) |
| Years built | 1998–2022 (median 2021) |
| Typical living area | 2,151 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Clubhouse, Playground, Deed Restrictions, Basketball Court, Dog Park |
| Sale prices, last 12 months | $355,000 median across 6 closed sales · $167 per sq ft · +5.0% vs the prior 12 months |
| Days on market (closed sales) | 117 median |
| For sale right now | 12 active, 1 pending · median asking $336,500 · 16.0 months of supply |
| Owner-occupied (homestead) share | 60% |
| Zoned public schools | Hillsborough County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “spencer creek key facts,” movewithmomentum.com/neighborhoods/spencer-crk, data as of September 20, 2026.
Last 30 days in Spencer Creek: 8 new listings (median asking $329,500), 2 under contract right now. As of September 27, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Spencer Creek
Live MLS inventory for Spencer Creek. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Spencer Creek listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Tap any home to ask about it.
Spencer Creek right now
🟢 Buyer-leaning market. 16.0 months of supply and 8% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: High (13 active and pending listings, 6 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($355K) is up 5.0% from the prior 12 months ($338K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Medium (6 and 9 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Spencer Creek market snapshot (as of September 20, 2026): the median sale price is about $355K ($167 per sq ft over the trailing 12 months of closed sales), a median 118 days on market for closed sales, and 16.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 5% from the prior 12 months, computed from record-level Stellar MLS closed sales (6 closings in the current window).
In ZIP 33570 (Ruskin), 552 homes closed in the last 12 months at a median of $321K ($171/sq ft), down 2.6% year over year, with a median 56 days on market. Right now 158 active and 45 pending listings put supply at about 6.4 months - a buyer's market. See the live ZIP 33570 housing market and the Hillsborough County market.
County records show 8 qualified sales in spencer creek across 2024 - 2025 (7 in 2024, 1 in 2025), median $380,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Spencer Creek is a community of 172 homes in Ruskin, Hillsborough County, built between 1998 and 2022 (median 2021), with a median living area of about 2,151 square feet. 60% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Spencer Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Spencer Creek; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($355K) IS the median in the snapshot above, and the move from 2025 ($338K) IS the +5.0% one-year change.
Windows contain 3 to 57 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Deemed reliable but not guaranteed.
15% of homes for sale in Spencer Creek are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-27).
Spencer Creek Market Scorecard
Spencer Creek is currently a strong buyer's market. About 14.7 months of supply, a median asking price of $343,000, and homes go under contract in about 20 days.
Typical home value in the 33570 ZIP is $311,697, about 9.1% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in spencer creek, Ruskin
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Spencer Creek on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Hillsborough County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hillsborough County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Spencer Creek listings and can change; always confirm with Hillsborough County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Spencer Creek address.
Shop the zone: Homes zoned for Lennard-Hb High School
The Spencer Creek buying strategy.
If we were buying in Spencer Creek today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Spencer Creek.
A closer look at the Spencer Creek market
At a median of $167 per square foot, Spencer Creek prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 16.0 months of supply, a buyer-leaning market and the trailing-12-month median up 5% year over year. Homes that do trade take a median 118 days on market, useful leverage on any listing that has lingered.
The housing stock is 172 homes built between 1998 and 2022, and 60% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Spencer Creek. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Spencer Creek buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (4.6). Basis: Recent Direction +5.0% year-over-year; Liquidity & Demand 16.0 months of supply; Owner Commitment 60% owner-occupied; Pricing Power 92.8% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $13/month · median of 315 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $13 per month - the median AssociationFee across 315 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Spencer Creek buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Spencer Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencer Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spencer Creek home worth?
Get a no-obligation home value based on real comparable sales in Spencer Creek, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Ruskin →
Frequently Asked Questions
What is the median home price in Spencer Creek?
How long do homes in Spencer Creek take to sell?
Is Spencer Creek a buyer's or seller's market right now?
How many homes are in Spencer Creek?
What share of Spencer Creek is owner-occupied?
When were the homes in Spencer Creek built?
What schools serve Spencer Creek?
Who is the best real estate agent for Spencer Creek?
How do I find a top Ruskin real estate agent who knows Spencer Creek?
Can Momentum Realty connect me with an agent for Spencer Creek?
Where is Spencer Creek, and what county is it in?
Is Spencer Creek a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 33570)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2021 (92 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how spencer creek fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Spencer Creek with Momentum Realty’s local guides.