$435,000
440 Olive Conch Street
Ruskin, FL 33570
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
Welcome to this beautifully upgraded 5-bedroom, 3-bathroom home located in the desirable Shell Cove community of Ruskin. Built in 2020, this spacious two-story residence offers over 2,400 square feet of thoughtfully designed living space featuring an open-concept floor plan, a versatile loft, and a large upstairs owner’s suite with walk-in closet and dual-sink vanity. The modern kitchen overlooks the living and dining areas and includes solid surface countertops, upgraded appliances, ample cabinetry, and under-cabinet LED lighting. Recent enhancements include laminate flooring upstairs, custom built-ins, remodeled pantry storage, upgraded fixtures, fresh interior paint, solar-tinted windows, and a whole-home water filtration and softener system. Step outside to enjoy a fully fenced backyard with pond views, mature landscaping, screened patio enclosure, garden area, and paver patio—perfect for entertaining or relaxing outdoors. Additional features include a solar power system ( WITH A AVERAGE TECO BILL OF 14$ !!! with battery backup, irrigation system, attached 2-car garage, and smart home upgrades. Shell Cove amenities include a community pool, playground, basketball court, walking trails, and dog park, all conveniently located near shopping, dining, schools, hospitals, and easy access to Tampa Bay. (SOLAR POWER SYSTEM WILL BE ASSUMED BY BUYER AS A SEPARATE LOAN (39K BALANCE ) APPROXIMATELY 240 $ A MONTH)
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 history1 days on market
- Status: ActiveMay 23, 2026
- Listed$435,000May 23, 2026
- Price increased$435,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Subdivision
- Shell Cove Ph 1
- County
- Hillsborough
- Year built
- 2020
- Living area
- 2,522 sq ft
- Price/sq ft
- $172
- Building area
- 2,970 sq ft (Public Records)
- Lot size
- 5,000 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12057C0652J)
- Garage
- 2 spaces
- Annual taxes
- $7,026 (2025)
- Parcel #
- U-06-32-19-C07-000000-00386.0
- Zoning
- PD
- MLS #
- TB8511817
Interior Details
- Bedrooms
- 5
- Full bathrooms
- 3
- Flooring
- Carpet, Tile
- Appliances
- Built-In Oven, Refrigerator
- Interior features
- Crown Molding, Stone Counters, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- North
- New construction
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- No
HOA & Financial
- HOA fee
- $8 / Monthly
- Monthly HOA
- $8/mo
- Total monthly fees
- $8/mo
- Total annual fees
- $96
- HOA name
- INFRAMARK
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Construction materials
- Block, Brick
- Roof
- Shingle
- Foundation
- Block, Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Other
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 |
|---|---|---|
| Bathroom 1 | First | |
| Bedroom 1 | First | |
| Kitchen | First | |
| Dining Room | First | |
| Living Room | First | |
| Primary Bedroom 2 | Second |
Listing Details
- Listing date
- 2026-05-20
- On market date
- 2026-05-23
- Original list price
- $435,000
- Occupant type
- Owner
- MLS area
- 33570 - Ruskin/Apollo Beach
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-05-23
- Tax legal description
- SHELL COVE PHASE 1 LOT 386
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
From I-75, take Exit 240A for FL-674 W/College Ave toward Ruskin. Continue west on College Ave approximately 2.7 miles to US Hwy 41. Turn right (north) onto US Hwy 41 and continue about 0.5 miles. Turn left onto Shell Point Rd and continue approximately 0.8 miles to the Shell Cove community on the right. Turn into the community and follow Olive Conch St to the property.
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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 May 24, 2026 at 6:52 AM 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