Spencer Creek Homes under $500,000

Spencer Creek Homes under $500,000

Welcome to Spencer Creek, a hidden gem nestled in the heart of Hillsborough County, Florida. This charming subdivision offers a perfect blend of suburban tranquility and modern convenience, making it an ideal destination for families, young professionals, and retirees alike. With its picturesque tree-lined streets and friendly atmosphere, Spencer Creek invites you to experience a lifestyle that balances comfort and community.

One of the standout features of Spencer Creek is its affordability, with a variety of homes available for under $500,000. Whether you’re a first-time homebuyer or looking to downsize, you’ll find a diverse selection of properties that cater to your needs. From cozy single-family homes with spacious backyards to contemporary townhouses with modern finishes, there’s something for everyone in this vibrant neighborhood.

Residents of Spencer Creek enjoy access to top-rated schools, lush parks, and recreational facilities, making it a fantastic place for families to grow and thrive. The community is conveniently located near major highways, providing easy access to the bustling city of Tampa and its array of shopping, dining, and entertainment options.

With its welcoming spirit and affordable housing, Spencer Creek is not just a place to live; it’s a place to call home. Come explore this delightful community and discover the perfect home that fits your lifestyle and budget. Your dream home awaits in Spencer Creek!

Newest Spencer Creek Homes under $500,000

1716 Ripple Jade Place, Ruskin
$305,000
4 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33570 Zip Code
Virtually Staged. Beautifully Updated Lennar Atlanta Model in Spencer Creek! WELCOME HOME TO SPENCER CREEK! Discover the perfect combination of modern comfort, thoughtful updates, and spacious living in this beautifully maintained 4-bedroom, 2.5-bath home offering 1,914 square feet of living space, a versatile upstairs loft, and a spacious 2-car garage! Featuring the popular Atlanta floor plan by Lennar, this move-in-ready residence showcases BRAND-NEW CARPET, FRESH INTERIOR PAINT, CERAMIC TILE FLOORING, a FULLY FENCED BACKYARD with 6-foot PVC privacy fencing, and an ELECTRIC VEHICLE OUTLET in the garage! Step inside to discover a bright, open-concept floor plan designed for comfortable everyday living and effortless entertaining. Beautiful ceramic tile flooring flows throughout the main level, creating a seamless transition between the spacious living room, dining area, and kitchen. The generous living and dining room combination provides flexibility for furniture arrangements while offering plenty of room to gather with family and friends. THE HEART OF THE HOME IS THE BEAUTIFULLY APPOINTED KITCHEN! Featuring rich espresso cabinetry accented with brushed nickel hardware, granite countertops, stainless steel appliances, and an expansive center island with a double-bowl stainless steel sink, this kitchen perfectly blends style and functionality. The oversized island provides additional preparation space and casual seating, while abundant cabinetry offers excellent storage. The adjoining dining area provides convenient access to the backyard, making indoor-outdoor entertaining a breeze. A convenient first-floor half bath with a pedestal sink completes the main level. UPSTAIRS, DISCOVER EVEN MORE SPACE TO RELAX AND UNWIND! A spacious, versatile loft welcomes you to the second level, offering endless possibilities as a media room, home office, gaming area, or additional living space. The generously sized PRIMARY SUITE provides a relaxing private retreat with abundant natural light, brand-new carpet, and an en-suite bathroom featuring espresso cabinetry, brushed nickel hardware, and a spacious walk-in closet. Three additional bedrooms offer comfortable accommodations and flexibility for guests or hobbies. The secondary bathroom features coordinating espresso cabinetry and a tub/shower combination. For added convenience, the upstairs laundry room includes shelving for additional storage. Washer and dryer do not convey. STEP OUTSIDE TO YOUR PRIVATE BACKYARD RETREAT! The spacious backyard is completely enclosed with 6-FOOT PVC PRIVACY FENCING, creating an inviting outdoor setting perfect for weekend barbecues, entertaining friends, gardening, or simply relaxing in the Florida sunshine. With plenty of room to enjoy outdoor activities, this backyard is an extension of the home's comfortable living space. ENJOY THE RESORT-STYLE AMENITIES OF SPENCER CREEK! Residents enjoy access to a resort-style swimming pool with lounge areas, clubhouse, playground, basketball court, dog park, and neighborhood sidewalks surrounded by green spaces. Spencer Creek offers wonderful opportunities for recreation, relaxation, and enjoying the Florida lifestyle.

1716 Ripple Jade Place, Ruskin
9646 Troncais Circle, Thonotosassa
$499,000
5 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33592 Zip Code
Welcome home to this beautifully updated 5-bedroom, 3-bath residence situated on a spacious .19-acre lot within the gated community of Grand Oak Glen. Built in 2018 and offering over 2,600 square feet of living space, this home combines a versatile floor plan, extensive recent improvements, and inviting indoor-outdoor living. Step inside to a bright, open interior filled with natural light and designed for both everyday living and entertaining. The main level features durable LVP flooring, while brand-new carpet installed in 2025 adds a fresh feel upstairs. The entire interior was freshly painted in May 2026, creating a clean, move-in-ready backdrop throughout. At the heart of the home, the kitchen features quartz countertops and stainless steel appliances, including a new over-the-range microwave installed in August 2026. With five bedrooms and three full bathrooms, the flexible layout provides plenty of space for guests, a home office, or growing households. The guest bathroom has also been beautifully updated with quartz countertops and a tiled walk-in shower. Recent improvements continue with a brand-new HVAC system installed in June 2026, a new garage door opener added in 2024, and a Level 2 EV charger conveniently located in the garage. Enjoy Florida living year-round from the screened-in patio, featuring a spacious concrete slab and two ceiling fans—perfect for morning coffee, outdoor dining, entertaining, or simply unwinding at the end of the day. The generous .19-acre lot provides plenty of outdoor space to enjoy, while an automatic sprinkler system adds convenience to lawn maintenance. Grand Oak Glen offers the added privacy of a gated entrance along with community amenities including a pool and clubhouse. Conveniently located near major highways, shopping, dining, and the University of South Florida, this thoughtfully updated home offers the space, features, and location to enjoy from day one.

9646 Troncais Circle, Thonotosassa
1423 Golden Glow Drive, Ruskin
$299,999
4 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33570 Zip Code
Virtually Staged. Welcome home to 1423 Golden Glow Drive in Spencer Creek! Built in 2021, this well-maintained 4-bedroom, 2-bath Lennar Hartford offers 1,935 square feet of comfortable, single-story living with thoughtful upgrades already completed by the current owners. Step inside to an open and inviting floor plan designed for everyday living and entertaining. The main living area features a stylish accent wall, while the kitchen flows naturally into the dining and living spaces, creating a welcoming heart of the home. The original bedroom carpeting has been replaced with attractive laminate flooring, providing an updated look and easy maintenance. A second accent wall adds character to the guest bedroom. Additional improvements include an HVAC air purification system, upgraded thermostat, updated shower heads, and upgraded washer and dryer that convey with the home. Step outside and enjoy the expanded concrete rear patio, providing additional space for outdoor dining, grilling, entertaining, or simply relaxing and enjoying the Florida sunshine. The home also features a two-car garage and a manageable 50-by-115-foot homesite. Located in the Spencer Creek community of Ruskin, the home offers convenient access to shopping, dining, recreation, and major roadways connecting Tampa, Bradenton, St. Petersburg, and the surrounding Gulf Coast. Why wait for new construction when you can enjoy a newer home with upgrades already completed? Schedule your private showing of 1423 Golden Glow Drive today!

1423 Golden Glow Drive, Ruskin
1911 Fan Aloe Way, Ruskin
$464,900
6 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33570 Zip Code
USDA eligible! Qualified buyers can purchase with ZERO down, and with the right offer the seller will cover closing costs, meaning you could get into this home with little to NOTHING out of pocket. Use our preferred lender and receive a 1% lender credit toward buying down your interest rate on top of it. At 3,326 square feet, you will not find a more affordable home of this size anywhere in Tampa Bay for the money. Now the house itself. Built in 2022 with 6 bedrooms and 3 full baths, tastefully updated with luxury flooring in all the common spaces. The open floor plan connects the kitchen, dining, and living areas into one big gathering space, and two flex rooms give you options most homes simply do not have. Home office, gym, playroom, theater, you choose. Two bedrooms sit downstairs, including the primary suite, so there are no stairs between you and your morning coffee. Upstairs holds the remaining bedrooms plus room to spread out. All of it on a quarter acre corner lot with extra yard, extra privacy, and only one neighbor beside you. And the HOA? Roughly $9 a month. You read that right. Spencer Creek puts you minutes from I75, US301, shopping, and the waterfront. Homes like this do not sit. Schedule your private showing today.

1911 Fan Aloe Way, Ruskin
7113 Colony Pointe Drive, Riverview
$383,500
3 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33578 Zip Code
Welcome to 7113 Colony Pointe Drive, a beautifully maintained residence situated in the desirable Lake St. Charles community. SELLER HAS A VA ASSUMABLE LOAN AT 3.1 !!! This home combines high-end updates, functional living space, and a private natural setting. Fresh exterior painting, Inside, soaring ceilings, updated lighting, and vinyl plank flooring create a bright, contemporary atmosphere. The versatile floor plan offers 3 spacious bedrooms, 2 full bathrooms, and an expansive bonus room, ideal for a home office, media room, art studio, or guest suite. The kitchen features a natural gas range, and the renovated bathrooms with modern finishes. Essential system upgrades provide added reliability, including a brand-new roof (Jan 2025), air conditioning and water heater under four years old, a whole-house water softener, and an instant hot water system. Outdoors, the oversized screened lanai overlooks a fully fenced backyard that borders a wooded conservation area for exceptional privacy. Lake St. Charles provides community amenities, including a resort-style pool, scenic lake with fishing dock, tennis courts, dog park, playgrounds, nature trails, and scheduled community events. Located with convenient access to I-75, the Selmon Expressway, Downtown Tampa, MacDill Air Force Base, and area beaches. Schedule your private showing today!

7113 Colony Pointe Drive, Riverview
11910 Little Violet Circle, Riverview
$339,000
4 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33578 Zip Code
Move-in ready and beautifully maintained, this 4-bedroom, 2-bath home in the desirable Park Creek community of Riverview is located on a quiet cul-de-sac with just six homes. Positioned near the front of the neighborhood, it offers added privacy with convenient access in and out. The open-concept floor plan is designed for comfortable living and entertaining, with a well-appointed kitchen featuring ample cabinet and counter space and views of the main living areas. Just off the kitchen, the laundry room includes the washer and dryer for added convenience. The spacious primary suite features a large ensuite bathroom and walk-in closet. Three additional bedrooms provide plenty of space for family, guests, a home office, or hobbies. Enjoy the epoxy-floored garage, ideal for parking, storage, or a workshop, along with a brand-new privacy fence enclosing the backyard—perfect for pets, play, entertaining, or creating your own outdoor retreat. A brand-new water softener adds even more value and convenience. The low HOA fee includes high-speed WiFi and cable, adding exceptional value for homeowners. Conveniently located near shopping, dining, parks, schools, Highway 301, and I-75, this home provides easy access for commuting and enjoying everything the surrounding area has to provide. Don't miss this opportunity to make this well-maintained Riverview home your own—schedule your private showing today!

11910 Little Violet Circle, Riverview
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