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$430,000
$171/sqft1% reduced
HOA: $8/moTaxes: $7,026/yr79d on market

Shell Cove

440 OLIVE CONCH ST, RUSKIN, FL, 33570

View all homes for sale in Shell Cove
5 Beds|3 Baths|2,522 Sq Ft|Built 2020|2 Car Garage
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💡 Price recently reduced — this could be a great opportunity to negotiate.

C2C

Coast 2 Coast Home Realty

Licensed Florida Realtors

4.9· 214 reviews

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Buyer Insights

Here's what we know about this listing.

Why this home stands out

  • Price reduced 1% ($5,000 off original)
  • 79 days on market
  • Updated 1 day ago

Buyer Insights are informational only — always verify with your agent.

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) (SELLERS WILL ALSO PROVIDE A $20,000 INCENTIVE TO BUYERS TO GO TOWARDS THE SOLAR PACKAGE PROGRAM ) TOTAL BALANCE TO BE AROUND $19,000 (WITH A VALUE OF $47,000)

City
RUSKIN
Subdivision
SHELL COVE PH 1
County
Hillsborough
Zip Code
33570

School Report Card

Source: FL Dept. of Education

ABCDF
Elementary
Middle
High

Neighborhood

Map unavailable

Type
Single Family Residence
Living Area
2,522 sqft
Construction
Block, Brick
Roof
Shingle
Flooring
Carpet, Tile
Pool
No
HOA
$8 / Monthly
  • Crown Molding
  • Stone Counters
  • Walk-in Closet(s)
  • Built-in Oven
  • Refrigerator
  • Laundry Room
  • Other
Bedrooms
5
Bathrooms
3
Year Built
2020
Construction
Block, Brick
Flooring
Carpet, Tile
Roof
Shingle
Garage Spaces
2
Cooling
Central Air
Heating
Central
Waterfront
Yes
Pet Restrictions
Yes
Lot Size
0.11 acres
Senior Community
No
Building Elevator
Pet Size
# of Pets
Max Pet Weight
Tax Year
2025
Annual Tax Amount
$7,026

Association Fees

  • HOA Fee

    INFRAMARK

    $8/ Monthly

Down Payment20% — $86,000
Interest Rate6.50%
Loan Term
Est. Mortgage
$2,174
HOA Fee
$8
Est. Property Tax
$586
Est. Insurance
$143
Total Est. Monthly Cost$2,911

* Estimates are for illustration purposes only and do not constitute an offer of financial advice. Actual rates, payments, insurance, and taxes will vary based on credit, location, and other factors. Contact a licensed mortgage professional for a personalized quote. Homeowners insurance estimate based on Florida averages.

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