Front elevation1984 Fan Aloe Way, Ruskin, FL 33570
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 16, 2026, 1984 Fan Aloe Way in Spencer Crk Ph 2, Ruskin is listed at $379,000 (1,935 sq ft, about $196 per sq ft). That sits within a few percent of Spencer Crk Ph 2's median closed sale of $355,000 over the last 12 months (6 recorded sales). Per square foot it is above the community's recent $167/sq ft by about 17%. It came to market within the past week. Listing facts: built in 2022, waterfront, HOA dues of $13/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2022 · 4 yrs
- 1,935 sq ft of living area
- 2-car garage
- Listed at $379,000 — recent neighborhood median sale price ~$355,000 (nearby sales; deemed reliable, not an appraisal)
- New to market
- HOA $13/mo (per listing)
Pricing & the spencer creek market
How this home is priced against recent nearby sales, and where spencer creek has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in spencer creek
Each dot is a closed sale since 2021 (92 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2021–2026. This home lists at $196/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
This home’s history
- 2022BuiltPer public record
- Sep 16, 2026First trackedObserved at $379,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $1,969/mo 81%
- Taxes $332/mo 14%
- Insurance $110/mo 5%
- HOA $13/mo 1%
$2,423/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
29/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 1 days on market for this home, against a 118-day area median.Days on market:this home 1Area median: 118 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. As of September 12, 2026.
🟡 Asking $196 per square foot, about 17% above the community’s $167 median. spencer creek’s 12-month median sold price per square foot is $167. Median sold price per square foot is up 5.0% year over year. Confidence: Low · 6 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
58% of homes in spencer creek are owner-occupied. An estimated 42% are non-owner-occupied, including 15% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 155 homes matched. Community-level context.
Recent spencer creek sales closed near 92.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in spencer creek, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to this beautiful 4-bedroom, 2-bathroom, 2-car garage home in Ruskin, built in 2022 and nestled on a quiet cul-de-sac at the end of a dead-end road! From the moment you walk through the front door, you'll appreciate the spacious design, thoughtful floor plan, and beautiful lake views that make this home truly special. As you enter, you'll immediately notice the wide hallway and welcoming sense of space.
Three bedrooms and the guest bathroom are conveniently located to the right, while the laundry room is to the left. Continue straight ahead and the home opens beautifully into the kitchen, dining area, and large family room, creating a wonderful open-concept space for everyday living and entertaining. The kitchen is designed with both style and functionality in mind, featuring granite countertops, a center island with sink and dishwasher, a convenient pantry, and thoughtfully designed built-in drawer storage.
You'll love the dedicated spice storage built right into the kitchen drawers, along with additional built-in storage that helps keep everything organized and easily accessible. These practical touches add functionality while keeping the countertops clean and uncluttered. The open kitchen and living design allows the cook to remain part of the conversation while enjoying views toward the backyard and expansive lake.
Large windows and the rear slider bring in natural light and showcase the peaceful scenery beyond. Tucked privately to the left of the home is the spacious primary suite, offering a relaxing retreat at the end of the day. The ensuite bathroom features dual his-and-hers sinks and a walk-in closet, providing both comfort and functionality.
The guest bathroom has recently been updated with a brand-new shower insert, giving the space a fresh, clean, updated feel. But the real showstopper awaits outside! Step through the rear slider onto the large pavered back porch, the perfect place to sit, relax, entertain, enjoy your morning coffee, or simply take in the scenery.
The expansive lake view creates a peaceful and picturesque backdrop and can be enjoyed from the back porch as well as from inside the home. With the kitchen, dining area, family room, windows, and rear slider all oriented toward the backyard, the beautiful scenery becomes part of the home's everyday experience. Built in 2022, this home offers the benefits of newer construction without the wait for a new build.
Combine that with the quiet cul-de-sac setting, spacious 4-bedroom floor plan, recently updated guest bath, thoughtfully designed kitchen, 2-car garage, large pavered porch, and beautiful lake views, and you have a home that offers an exceptional combination of comfort and Florida living. And the location is hard to beat! Conveniently located near major highways for easy access to Tampa, with the Skyway Bridge providing a convenient route toward St.
Petersburg and Florida's beautiful Gulf beaches. Shopping, dining, entertainment, beaches, and everything the Tampa Bay area has to offer are within easy reach. Come experience the peaceful lake views, spacious layout, thoughtful kitchen features, and beautiful Florida lifestyle this home has to offer.
You may just find the view you've been looking for!
Description provided by COASTAL PROPERTIES GROUP INTERNATIONAL and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $379,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $13/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 1 days on market vs. a 118-day community median
- 10 active listings competing, 1 under contract
- ≈12.0 months of supply
- 9 closed here in the last 12 months
For reference, this home is listed at $379,000 ($196/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,935 sq ft × $147–$187/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 16, 2026.
Similar homes for sale near SPENCER CRK PH 2
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by COASTAL PROPERTIES GROUP INTERNATIONAL · MLS # TB8549063
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Recent sales activity in SPENCER CRK PH 2
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the SPENCER CRK PH 2 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SPENCER CRK PH 2
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $167/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 1984 Fan Aloe Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $13/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,935 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $3,980/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 16, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 1984 Fan Aloe Way and when was it built?
Per the listing record, 1984 Fan Aloe Way was built in 2022 and has 1,935 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1984 Fan Aloe Way in?
1984 Fan Aloe Way is in Spencer Crk Ph 2 in Ruskin, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Spencer Crk Ph 2 from the same MLS data.
Does 1984 Fan Aloe Way have an HOA, and how much are the dues?
The listing reports HOA dues of $13 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1984 Fan Aloe Way differ from the current owner's?
The estimate on this page (about $3,980 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1984 Fan Aloe Way in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.