$400,000
984 Olive Conch Street
Ruskin, FL 33570
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
This almost new 5-bedroom, 2.5-bath Columbia model is situated on a spacious corner lot in the highly desirable Shell Cove community. The thoughtfully designed two-story floor plan features an open-concept first level that seamlessly connects the kitchen, dining, and living areas, providing excellent flow for everyday living and entertaining. The kitchen offers modern countertops, a large pantry, and new stainless steel appliances. The owner’s suite is conveniently located on the first floor and includes an en-suite bath and generous closet space. Upstairs, four additional bedrooms and a versatile loft provide flexible options for guest rooms, office space, playroom, or media area. The private, fenced backyard is designed for outdoor enjoyment, featuring a large screened lanai and paver patio, ideal for relaxing, grilling, and gatherings. Shell Cove residents enjoy resort-style amenities, including a community pool, clubhouse, basketball court, dog park, playground, and fitness and recreation facilities, all within a pet-friendly environment with low HOA fees. The community offers convenient access to major roadways for commuting to MacDill AFB, Tampa, St. Petersburg, Bradenton, and Sarasota, as well as nearby award-winning Gulf beaches and Tampa Bay attractions. E.G. Simmons Conservation Park is approximately 2 miles away and provides camping, swimming, kayaking, fishing, and boat ramps, while Bahia Beach and Little Harbor Marina offer a private beach area, waterfront dining, tiki bar, fishing charters, and water sports just minutes from your front door.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history45 days on market
- Status: ActiveFeb 28, 2026
- Listed$415,000Feb 27, 2026
- Price reduced$400,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 45
- Subdivision
- Shell Cove Ph 1
- County
- Hillsborough
- Year built
- 2021
- Living area
- 2,415 sq ft
- Price/sq ft
- $166
- Building area
- 3,291 sq ft (Public Records)
- Lot size
- 6,507 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE
- Garage
- 2 spaces
- Annual taxes
- $8,445 (2025)
- Parcel #
- U-06-32-19-C07-000000-00148.0
- Zoning
- PD
- MLS #
- TB8481422
Interior Details
- Bedrooms
- 5
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Dishwasher, Disposal, Microwave, Range, Water Softener
- Interior features
- Ceiling Fans(s), Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener
HOA & Financial
- HOA fee
- $110 / Annually
- Monthly HOA
- $9/mo
- Total monthly fees
- $9/mo
- Total annual fees
- $110
- HOA name
- Inframark/ Jesenia Perez
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer to verify lease restriction.
- Approval process
- Buyer to verify approval process.
Exterior & Construction
- Exterior features
- Hurricane Shutters, Private Yard, Sidewalk, Sliding Doors
- Construction materials
- Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 15x16 |
| Dining Room | First | 8x14 |
| Kitchen | First | 9x14 |
| Primary Bedroom | First | 15x16 |
| Primary Bathroom | First | 8x8 |
| Bathroom 2 | First | 4x8 |
| Bathroom 3 | Second | 5x12 |
| Loft | Second | 12x16 |
| Bedroom 2 | Second | 12x11 |
| Bedroom 3 | Second | 12x11 |
| Bedroom 4 | Second | 11x13 |
| Bedroom 5 | Second | 12x12 |
| Utility Room | First | 7x5 |
| Balcony/Porch/Lanai | First | 9x5 |
Listing Details
- Listing date
- 2026-02-27
- On market date
- 2026-02-27
- Original list price
- $415,000
- Occupant type
- Owner
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-02-28
- Tax legal description
- SHELL COVE PHASE 1 LOT 148
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Take US HWY 41 South into Ruskin. Turn right onto 11th Ave NW, then turn left onto 8th St NW. Turn right onto Anchor Bend Drive, then turn left onto Olive Conch Street. Home will be on the right.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of April 13, 2026 at 5:15 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA