Spencer Creek Homes with X Flood Zone

Welcome to Spencer Creek, a charming subdivision located in Hillsborough County, Florida. Known for its picturesque surroundings and family-friendly atmosphere, Spencer Creek offers the perfect blend of comfort and convenience.

One of the standout features of homes in Spencer Creek is their location in an X Flood Zone. This designation means that these properties are at a minimal risk of flooding, providing peace of mind for homeowners. With safety and security in mind, residents can enjoy the beauty of the natural surroundings without worrying about potential water damage.

Living in Spencer Creek means being part of a close-knit community where neighbors become friends and every street feels like home. The well-maintained streets and sidewalks make it easy to take a stroll or bike ride through the neighborhood, while the nearby parks and green spaces offer plenty of opportunities for outdoor recreation.

Conveniently located in Hillsborough County, Spencer Creek is just a short drive away from shopping, dining, and entertainment options. Whether you're looking for a quiet retreat or a bustling city experience, Spencer Creek offers the best of both worlds.

Come and discover the beauty and tranquility of Spencer Creek. With homes in an X Flood Zone and a welcoming community atmosphere, this subdivision is the perfect place to call home in Hillsborough County, Florida.

Newest Spencer Creek Homes with X Flood Zone

$525,000

5 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33592 Zip Code ⋅ O6430551 MLS ⋅ Active Status

WELCOME TO THIS STUNNING 2018-BUILT HOME offering 2,600 sq ft of thoughtfully upgraded living space featuring 5 bedrooms and 3 full baths. Facing east, the home receives natural light throughout the day. --- INTERIOR HIGHLIGHTS: Brand-new carpet installed upstairs (2025) // Durable LVP flooring throughout downstairs living areas // Fresh paint throughout entire home (May 2026) // Guest bathroom upgraded with standing tile-walled shower // Kitchen and guest bathroom finished with quartz countertops // Stainless steel appliances including refrigerator, microwave, and electric range. --- MAJOR UPDATES & SYSTEMS: Brand-new over-the-range microwave oven (August 2026) // Brand-new HVAC system (June 2026) // Garage door opener (2024) // Level 2 EV charger installed in garage (2024). --- OUTDOOR LIVING: Screened-in patio with cement slab and two ceiling fans - great for relaxing or entertaining // Automatic sprinkler system for easy lawn maintenance. --- COMMUNITY FEATURES: Located in a gated community with a pool and clubhouse, with convenient access to major highways and minutes from USF. Seeing is believing!

9646 Troncais, Thonotosassa

$474,000

6 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33598 Zip Code ⋅ O6427867 MLS ⋅ Active Status

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

$400,000

3 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33578 Zip Code ⋅ TB8531772 MLS ⋅ Active Status

Welcome to 7113 Colony Pointe Drive, a beautifully updated home nestled in the highly sought-after Lake St. Charles community, where modern updates, generous living space, and an unbeatable location come together perfectly. From the moment you step inside, you’ll appreciate the soaring ceilings, fresh interior paint, updated lighting, and beautiful luxury vinyl flooring that create a bright, inviting atmosphere throughout. The thoughtfully designed floor plan offers 3 spacious bedrooms, 2 beautifully appointed bathrooms, and an expansive bonus room currently used as an art studio—offering endless possibilities as a home office, media room, playroom, fitness space, or guest retreat. The kitchen is both functional and stylish, featuring a gas stove that home chefs will love, while the renovated bathrooms add a fresh, contemporary touch. Major updates provide peace of mind, including a brand-new roof, air conditioner and water heater less than four years old, a whole-house water softener, and an instant hot water system for added everyday convenience. Step outside to your own private backyard oasis. The oversized screened lanai is the perfect place to relax, entertain, or enjoy your morning coffee while overlooking a large fenced backyard that backs to a peaceful wooded conservation setting, offering exceptional privacy and opportunities to enjoy Florida’s natural wildlife. Living in Lake St. Charles means enjoying an outstanding lifestyle with exceptional community amenities, including a resort-style swimming pool, scenic lake with a fishing dock, tennis courts, playgrounds, dog park, miles of picturesque walking trails, and year-round community events and activities. Conveniently located near shopping, dining, entertainment, top-rated schools, hospitals, and with easy access to I-75, the Selmon Expressway, Tampa, MacDill Air Force Base, Sarasota, and Florida’s award-winning Gulf beaches, this beautifully maintained home truly offers the best of Florida living. Don’t miss your opportunity to make this exceptional Riverview home your own—schedule your private showing today!

7113 Colony Pointe Drive, Riverview

$475,000

4 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33511 Zip Code ⋅ TB8512303 MLS ⋅ Active Status

Stunning Mid-Century Modern Pool Home on an Oversized 1/3-Acre Lot! Welcome to this beautifully updated 4-bedroom, 3-bathroom multi-level home offering approximately 1,800 square feet of thoughtfully designed living space where timeless mid-century modern character meets today's most desirable updates. Nestled on a meticulously landscaped 1/3-acre lot, this exceptional property offers incredible indoor and outdoor living designed for entertaining and everyday comfort. The heart of the home is the recently remodeled kitchen featuring elegant quartz countertops, a large center island, abundant cabinetry, and a convenient pass-through window to the expansive screened lanai—perfect for entertaining family and friends. The open-concept floor plan flows effortlessly into the spacious great room, while oversized windows across the back of the home fill the living areas with natural light and provide beautiful views of the lush backyard. Beautifully renovated bathrooms feature designer tile showers, bidet-equipped toilets, and a skylight that fills the primary bathroom with natural light. The flexible multi-level floor plan includes a private guest suite complete with its own family room and full bath, making it ideal for guests, multigenerational living, a home office, or private retreat. Step outside to your own backyard oasis featuring an oversized covered and screened lanai overlooking a sparkling pool complete with a child safety fence. The beautifully landscaped backyard offers mature gardens, a fire pit, storage shed, and abundant green space for entertaining, relaxing, or future outdoor enhancements. A double-gated RV parking area provides added flexibility for your recreational vehicles, boats, or trailers. Additional highlights include: * Beautifully updated kitchen with quartz countertops and oversized island * Open-concept great room with abundant natural light * Updated bathrooms with designer tile showers and bidet-equipped toilets * Skylight in the primary bathroom * Private guest suite with separate family room and full bath * Expansive screened lanai with pass-through kitchen window * Sparkling pool with child safety fence * Oversized two-car garage with washer, dryer, and dedicated workshop area * Double-gated RV/boat parking * Storage shed * Meticulously landscaped 1/3-acre lot Conveniently located in the heart of Brandon, you'll enjoy quick access to shopping, dining, top-rated schools, parks, medical facilities, and major commuter routes while coming home each day to your own private retreat. This is more than a home—it's a lifestyle. With its unique architecture, exceptional updates, flexible floor plan, and incredible outdoor living spaces, this one-of-a-kind property is truly a rare opportunity. Schedule your private showing today!

114 Windy Circle, Brandon

$389,000

4 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33570 Zip Code ⋅ TB8524970 MLS ⋅ Active Status

Welcome to this beautifully maintained 2022-built home offering 4 bedrooms, 2.5 bathrooms, and 2,584 square feet of thoughtfully designed living space. The open-concept floor plan features a spacious kitchen with a large center island overlooking the dining and living areas, making it ideal for entertaining and everyday living. A versatile flex room on the first floor is perfect for a home office, playroom, or formal sitting area. Upstairs, you'll find generously sized bedrooms, including a spacious primary suite with a walk-in closet and private en-suite bath. The additional bedrooms provide plenty of space for family and guests. Situated on a premium oversized lot in the desirable Spencer Creek community, this home offers a large backyard with room to relax, play, or create your own outdoor oasis. Conveniently located near I-75, US-41, shopping, dining, schools, parks, and Tampa Bay's beautiful beaches, this home combines modern comfort with an unbeatable location. Don't miss your opportunity to make this move-in-ready home yours!

1876 Colding Drive, Ruskin

$357,490

4 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33570 Zip Code ⋅ TB8518790 MLS ⋅ Active Status

Virtually Staged. Welcome to this beautifully maintained 4-bedroom, 2.5-bath home in the highly sought-after Spencer Creek community of Ruskin. Built in 2021 and offering 2,635 square feet of thoughtfully designed living space, this two-story residence combines modern finishes, flexible living areas, and breathtaking water views. Step inside to discover a bright and open floor plan with tile flooring throughout the entire first level. The spacious kitchen serves as the heart of the home, featuring granite countertops, stainless steel appliances, a large center island, abundant cabinetry, and a generous pantry. The kitchen seamlessly opens to the dining area and expansive great room, making entertaining effortless. A private den located on the first floor provides the perfect space for a home office, study, playroom, or flex space, while a convenient half bath completes the downstairs layout. Upstairs, you’ll find a versatile loft that offers endless possibilities as a media room, gaming area, second family room, or homework station. The spacious primary suite is designed for comfort and privacy, featuring an en-suite bath with dual sinks, a walk-in shower, and an exceptionally large walk-in closet. Three additional bedrooms, a full bath, and an upstairs laundry room provide both convenience and functionality. One of the home’s most impressive features is the serene backyard overlooking water and natural surroundings. Whether you’re enjoying your morning coffee, watching local wildlife, entertaining guests, or capturing stunning photographs of Florida’s beautiful sunrises and sunsets, the picturesque setting creates a peaceful retreat right outside your door. The water views provide a sense of tranquility and privacy that is becoming increasingly difficult to find. Residents of Spencer Creek enjoy outstanding community amenities, including a sparkling resort-style swimming pool, playground, basketball courts, and a gated pet park where four-legged family members can run and socialize. Additional features include a two-car garage, energy-efficient newer construction, and low HOA fees. Conveniently located near shopping, dining, waterfront parks, boat launches, schools, and major highways, Spencer Creek offers easy access to Tampa, St. Petersburg, Sarasota, and the Gulf Coast beaches while maintaining the charm of a peaceful neighborhood setting. If you’re searching for a move-in-ready home with generous living space, modern finishes, beautiful water views, exceptional community amenities, and room to grow, this outstanding property deserves a place at the top of your list. Schedule your private showing today and experience the lifestyle that awaits.

1507 Golden Glow Drive, Ruskin

$269,900

3 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33573 Zip Code ⋅ O6418122 MLS ⋅ Active Status

Welcome to this beautifully updated home in the desirable Cypress Mill community of Sun City Center. This move-in-ready residence features a bright, open-concept floor plan with brand-new luxury vinyl plank flooring throughout, creating a modern and cohesive look. The kitchen has been tastefully upgraded with brand-new quartz countertops, with both style and durability. Both bathrooms have been fully renovated with new quartz countertops, new tiled shower and vanity walls, new sinks, and updated fixtures, creating a sleek, contemporary design. The spacious backyard has plenty of room to relax, entertain, or personalize your outdoor living space. Residents of Cypress Mill enjoy exceptional community amenities, including a resort-style pool, clubhouse, fitness center, playgrounds, basketball courts, and scenic walking trails. Conveniently located near shopping, dining, healthcare, golf courses, and with easy access to I-75, providing an easy commute to Tampa, Sarasota, and Florida's Gulf Coast beaches.

7227 Salt River, Sun City Center

$549,900

3 Beds ⋅ 2 Baths ⋅ Spencer Creek SubDv. ⋅ 33647 Zip Code ⋅ TB8510930 MLS ⋅ Active Status

Welcome to this entertainer’s dream home in the highly sought-after Tampa Palms community, featuring one of the largest yards in the neighborhood. Designed for exceptional indoor and outdoor living, this move-in-ready residence offers the perfect blend of comfort, privacy, and Florida lifestyle living. Step outside to your own private backyard retreat complete with a sparkling pool, screened lanai, expansive patio, and plenty of space for entertaining, grilling, pets, play, or simply relaxing year-round under the Florida sun. The oversized lot provides a rare combination of outdoor space and privacy not often found in Tampa Palms. Inside, the open and inviting floorplan is ideal for hosting family and friends, featuring spacious living areas, a cozy fireplace, abundant natural light, and a finished 2-car garage. HVAC and remodeling updates completed in 2015 provide added peace of mind, while solid masonry and stucco construction enhance both durability and curb appeal. Perfectly located just minutes from I-75, Tampa Palms Golf & Country Club, Flatwoods Park, Wiregrass Mall, Tampa Premium Outlets, USF, Moffitt Cancer Center, VA Hospital, top-rated dining, shopping, and entertainment. Situated in a quiet, established, low flood-risk community zoned for highly rated schools, this home offers convenience, lifestyle, and long-term value in one of New Tampa’s most desirable locations. Updated professional photos coming soon. All information and measurements are deemed reliable but are not guaranteed and should be independently verified by Buyer and Buyer’s Agent, including HOA information, lease restrictions, room measurements, school zoning, and utility details.

5106 Stonehurst Road, Tampa

$580,000

5 Beds ⋅ 3 Baths ⋅ Spencer Creek SubDv. ⋅ 33647 Zip Code ⋅ O6388056 MLS ⋅ Active Status

Welcome to this beautifully updated lakefront residence in the gated community of Live Oak Preserve. Set on a serene waterfront homesite with refreshed landscaping, this thoughtfully redesigned home blends timeless style with modern upgrades. A covered front porch leads into a bright interior featuring luxury vinyl plank flooring throughout the first level. Living areas showcase soaring 20-foot ceilings and expansive windows with tranquil lake views. A custom staircase with red oak treads and sleek horizontal railings creates a striking focal point. The renovated kitchen features 50-inch shaker cabinetry, quartz countertops, dual islands, and a Frigidaire Gallery appliance suite. The home offers five bedrooms, three baths, and a three-car garage. The primary suite includes a spa-inspired bath with soaking tub and frameless shower. A 2022 roof, AC, and gas water heater enhance peace of mind. Community amenities and a convenient location complete this exceptional offering.

20054 Nob Oak Avenue, Tampa

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