Spencer Creek
Homes for Sale in Ruskin, FL
All 312 homes for sale in Ruskin, FL · median $333,350 · 244 homes for sale in 33570 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, spencer creek in Ruskin, FL has 9 homes for sale and 4 pending, asking from $289,000 to $464,900 (median $330,000). Over the 12 months ending 2026-11-13, 4 recorded sales closed at a median of $355,000, $147 per square foot, a median 97 days on market, sellers accepting 93% of original asking. Homes listed or recently sold were built 2020 - 2022; 22 of 22 report an HOA (median $13/mo); none of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 21 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).
Last 30 days in Spencer Creek: 1 new listing (median asking $305,000), 4 under contract right now. As of November 12, 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 · 97 daysTop listing
Active · 142 days
Active · 58 days
Active · 57 days
Active · 99 days
Active · 78 days
Active · 21 days
Active · 33 days
Active · 69 days
Under Contract · 42 days
Pending · 35 days
Pending · 24 days
Pending · 1 daysActive and pending Spencer Creek listings as of 2026-11-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. Tap any home to ask about it.
Spencer Creek right now
🟢 Buyer-leaning market. 12.0 months of supply and 31% 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 November 13, 2026. Confidence: High (13 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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 November 13, 2026): the median sale price is about $355K ($147 per sq ft over the trailing 12 months of closed sales), a median 98 days on market for closed sales, and 12.0 months of supply, a buyer-leaning market.
In ZIP 33570 (Ruskin), 193 homes closed in the last 12 months at a median of $341K ($175/sq ft), down 1.0% year over year, with a median 65 days on market. Right now 110 active and 27 pending listings put supply at about 6.8 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
Spencer CreekSpencer CreekSpencer CreekSpencer CreekSpencer CreekSpencer CreekSpencer CreekSpencer CreekPhotos from Stellar MLS listings in Spencer Creek; content 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 contributors.
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 $147 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 12.0 months of supply, a buyer-leaning market. Homes that do trade take a median 98 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 3 factors (3.7). Basis: Liquidity & Demand 12.0 months of supply; Owner Commitment 60% owner-occupied; Pricing Power 92.8% sale-to-list. Refreshed with each data update.
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 →
Recently off market in spencer creek
Homes in spencer creek that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 1565 Colding Drive · off market
- 1876 Colding Drive · off market
| 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 4 closed sales · $147 per sq ft |
| Days on market (closed sales) | 97 median |
| For sale right now | 9 active, 4 pending · median asking $330,000 · 12.0 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 November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2023 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 November 13, 2026.
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 November 2026 through November 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Spencer Crk Right Now (13)
All 13 active and pending Spencer Crk listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1716 Ripple Jade Place · $305,000 · 4 bd / 2 ba · listed Oct 23, 2026 · listed by Re/Max Realty Unlimited
- 1983 Fan Aloe Way · $299,900 · 3 bd / 2 ba · listed Oct 9, 2026 · listed by Compass Florida Llc
- 1423 Golden Glow Drive · $299,999 · 4 bd / 2 ba · pending · listed Sep 19, 2026 · listed by Nexthome Excellence
- 1841 Crinkle Leaf Court · $343,000 · 4 bd / 2 ba · listed Sep 16, 2026 · listed by Naim Real Estate Llc
- 1984 Fan Aloe Way · $379,000 · 4 bd / 2 ba · listed Sep 15, 2026 · listed by Coastal Properties Group International
- 1461 Golden Glow Drive · $330,000 · 4 bd / 2 ba · listed Sep 10, 2026 · listed by Keller Williams South Shore
- 1752 Colding Drive · $289,000 · 5 bd / 2.5 ba · pending · listed Sep 10, 2026 · listed by Carter Company Realtors
- 1522 Tiger Tooth Place · $229,000 · 4 bd / 2 ba · pending · listed Sep 10, 2026 · listed by Westbay Real Estate
- 1681 Fred Ives Street · $289,000 · 3 bd / 2 ba · listed Sep 8, 2026 · listed by Florida Realty
- 1507 Golden Glow Dr · $299,900 · 4 bd / 2.5 ba · pending · listed Sep 7, 2026 · listed by Orchard Brokerage, Llc
- 1911 Fan Aloe Way · $464,900 · 6 bd / 3 ba · listed Aug 29, 2026 · listed by Lpt Realty, Llc
- 1719 Fred Ives Street · $325,000 · 3 bd / 2 ba · listed Aug 27, 2026 · listed by Exp Realty Llc
- 1561 Flower Dust Drive · $380,000 · 4 bd / 2.5 ba · listed Aug 15, 2026 · listed by Charles Rutenberg Realty Inc
Recently sold in Spencer Crk
- 1846 Silver Star Place · sold $375,000
- 1752 Colding Drive · sold $390,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Ruskin home searches
- All homes for sale in Ruskin, FL
- Homes for sale in Hillsborough County, FL
- Ruskin waterfront homes for sale
- Ruskin home values: what is my house worth?
- ZIP 33570 housing scorecard
Ruskin guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Hillsborough County)
- Homestead exemption (Hillsborough County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Fan Aloe Way (7 homes on record)
- Fan Aloe Way (2 homes on record)
- Fan Aloe Way (1 homes on record)
What it really costs to own in Spencer Creek
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $2,862/yr in CDD or special-district assessments on the tax bill (20 listings, MLS, 2026-11-14). 100% of the 20 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $156/year across 23 listings (2026-11-14), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| Home and flood insurance | The average Citizens Property Insurance premium in Hillsborough County is $1,816/yr (6,518 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2021 across 21 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Spencer Creek
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Spencer Creek
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Spencer Creek will answer, and the answer is published on this page for the next buyer.
31% 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 (2026-11-14).
Spencer Creek Market Scorecard
Spencer Creek is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $330,000, and homes go under contract in about 69 days.
Typical home value in the 33570 ZIP is $310,228, about 9.7% 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.
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: November 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 33570)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-13 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2023 (7 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.
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See how spencer creek fits the bigger picture — live prices, inventory, and Momentum Scores: