Spencer Creek Homes under $500,000

Spencer Creek Homes under $500,000

Welcome to Spencer Creek, a delightful subdivision nestled in the heart of Hillsborough County, Florida. This charming community offers a perfect blend of comfort, convenience, and affordability, making it an ideal choice for families, first-time homebuyers, and retirees alike.

One of the standout features of Spencer Creek is its commitment to providing quality homes under $500,000, allowing residents to enjoy the benefits of homeownership without breaking the bank. Here, you’ll find a variety of well-designed single-family homes that cater to diverse lifestyles and preferences. With spacious layouts, modern amenities, and beautiful finishes, these homes are perfect for creating lasting memories with loved ones.

Spencer Creek is not just about the homes; it’s about the lifestyle. The neighborhood boasts beautifully landscaped streets and a welcoming atmosphere that fosters a sense of community. Residents can take advantage of nearby parks, walking trails, and recreational facilities, all while being conveniently located to major highways, shopping centers, and dining options.

Families will appreciate the highly-rated schools in the area, ensuring that children receive a quality education. With a variety of community events and activities, Spencer Creek encourages neighbors to connect and build lasting friendships.

Whether you’re looking to settle down or invest in a future home, Spencer Creek offers an exceptional opportunity to embrace the Florida lifestyle in a vibrant community. Discover your dream home today in this enchanting subdivision where comfort and affordability meet!

Newest Spencer Creek Homes under $500,000

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
$309,000
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
17335 Old Tobacco Road, Lutz
$354,900
4 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33558 Zip Code
Move-in ready 4-bedroom, 2.5-bathroom Townhouse in the desirable Hidden Oaks Townhomes community. This home features an inviting open floor plan that creates a seamless flow throughout the main living areas. The updated kitchen is beautifully finished with granite countertops and stainless-steel appliances, making it a stylish and functional space for cooking and entertaining. The primary bedroom provides a comfortable retreat, complete with a large walk-in closet and an attached primary bathroom featuring a double vanity. Ideally located near the Suncoast Parkway and just minutes from Publix, St. Joseph’s Hospital, popular dining, and shopping. Schedule your private showing today! One or more photos in this listing have been virtually staged.

17335 Old Tobacco Road, Lutz
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
5002 Jackel Chase Drive, Wimauma
$464,000
6 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33598 Zip Code
6-Bedroom Pool Home | Corner Lot | Walk to the Lagoon | Resort-Style Living in Southshore Bay Looking for space? This standout 6-bedroom, 3-bath pool home in the highly sought-after Southshore Bay Lagoon Community presents over-the-top flexibility, generous living spaces, and the Florida lifestyle you've been dreaming of—all within walking distance of the spectacular 5-acre crystal lagoon. Situated on a premium corner lot, this move-in-ready home welcomes you with charming curb appeal, a stone-accented exterior, inviting front porch, soaring 9-foot ceilings, and abundant natural light throughout. Designed with both everyday living and entertaining in mind, the open-concept floor plan centers around a spacious kitchen featuring granite countertops, a butler's pantry, an oversized walk-in pantry with custom wood shelving, and plenty of room for gathering. The kitchen flows seamlessly into the expansive family room, highlighted by a custom shiplap feature wall and beautiful electric fireplace. Need room for everyone? This home provides incredible flexibility with a private first-floor bedroom and full bathroom— for guests, multigenerational living, or an in-law suite. A dedicated den with handcrafted barn doors provides the perfect home office, playroom, homeschool room, or media space. Upstairs, you'll find five additional bedrooms, creating space for your family, hobbies, or guests. The oversized primary suite is a true retreat with its own sitting room, dual walk-in closet, and a spa-like ensuite featuring dual granite vanities, a soaking garden tub, walk-in shower, and private water closet. The thoughtfully designed laundry room is conveniently accessible from both the primary closet and the upstairs hallway. Step outside to your private backyard oasis. Enjoy year-round outdoor living with an oversized covered lanai, professionally installed paver patio, and a heated saltwater sport pool designed for both relaxation and recreation, featuring shallow areas on each end and a deeper center area for swimming, volleyball, basketball, and family fun. The fully fenced backyard provides plenty of room to entertain, play, or simply unwind. Living in Southshore Bay means enjoying one of the area's most desirable resort-style communities with the incredible crystal lagoon just a short stroll away, along with a dog park, walking trails, and convenient access to shopping, dining, schools, and major commuter routes. If you've been searching for a large family home, pool home, multigenerational home, or a home with space to grow, this one truly checks every box. This gem of a home in Southshore Bay truly stands out from the rest!

5002 Jackel Chase Drive, Wimauma
7113 Colony Pointe Drive, Riverview
$385,000
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
$344,000
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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