Flood Insurance on this property is $815.00 and has the potential to be assumed. Welcome to your slice of Florida paradise in the highly sought-after Osprey Reserves community of Ruskin! This stunning 4-bedroom, 3-bathroom home beautifully blends modern comfort, thoughtful design, and peaceful Florida living. From the moment you step inside, you'll appreciate the bright, open-concept layout designed for effortless everyday living and entertaining. The spacious living and dining areas flow seamlessly together, creating the perfect setting for gatherings, celebrations, or relaxing evenings at home. The kitchen is a true standout, featuring sleek stainless-steel appliances, abundant cabinetry, and a generous breakfast bar-perfect for everything from morning coffee to hosting memorable dinner parties. The private owner's suite offers a peaceful retreat, complete with a spa-like en-suite bathroom featuring a separate shower and double vanity. The additional bedrooms are generously sized and provide plenty of flexibility for guests, a home office, gym, playroom, or whatever best fits your lifestyle. And the benefits continue! This home features solar power for impressively low electric bills, NO CDD fees, and a low monthly HOA, providing added savings and peace of mind. Step outside to your fully fenced backyard oasis, offering the perfect space for relaxing evenings, weekend BBQs, pets, entertaining, or simply enjoying the Florida sunshine in privacy. Situated above ground level, the Osprey Reserves community offers added peace of mind, and the property is not expected to flood during heavy rain. You'll also enjoy the community's quiet streets and peaceful atmosphere while remaining conveniently close to shopping, dining, entertainment, and major highways, making travel to Tampa and surrounding areas easy and convenient. This isn't just a house; it's an opportunity to enjoy the Florida lifestyle you've been waiting for!