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984 Olive Conch St, Ruskin, FL, 33570

$166/sqft·Shell Cove Ph 1

5 bd3 ba2,415 sqft2 car garageSingle Family
Listed by FUTURE HOME REALTY INC· Last updated · MLS# TB8481422

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$2,999/mo
Down payment (20%)
$80,000
Property taxes
$704/mo
HOA
$110/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2021
Community pool
Shared amenity
2 car garage
Driveway
6,507 sqft lot
Lot size
2,415 sqft
Living area

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)Hurricane ShuttersPrivate YardSidewalk

984 Olive Conch St is a 2021-built home in Shell Cove Ph 1, Ruskin. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,415 square feet of living space. Listed at $400,000 (about $166/sqft), 45 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $110 annually.

From the listing

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.

The essentials

Built
2021
Price / sqft
$166
On market
196 days
Annual tax
$8,445
HOA
$110/yr
Flood zone
AE
Lot
6,507 sqft
Type
Single Family Residence

Location

984 Olive Conch St
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2021
Lot
6,507 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
196
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Hurricane Shutters
Private Yard
Sidewalk
Sliding Doors
Clubhouse
Community Mailbox
Dog Park
Playground
Pool
Sidewalks
Dishwasher
Disposal
Microwave
Range
Water Softener

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileIn a CDD (Community Development District)Flood Zone AE

Annual Tax (2025)

$8,445

Parcel #

U-06-32-19-C07-000000-00148.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Shell Cove Ph 1

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

6,507 sqft

Corner Lot
HOA
$110/yr
Inframark/ Jesenia Perez
Date
Event
Price
4/10/2026
Price change
Source: Stellar MLS #TB8481422
$400,000-3.6%
$166/sqft
2/27/2026
Listed for sale
Source: Stellar MLS #TB8481422
$415,000+6.4%
$172/sqft
10/19/2023
Sold
Source: Hillsborough County Public Record
$390,000
$161/sqft
Est. monthly payment$2,999/mo
Principal & interest$2,086
Property taxes$704
Insurance$200
HOA$9
Down payment20% · $80,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $400,000
$397,500 – $400,000
99.5% – 100% of listTops out right at the list price
80% of listList price
94 of the last 167 home closings in 33570 landed at this number or higher (56%). The median one sat 40 days before it went under contract, and this one is on day 196 after a $15,000 cut.

Sample: 167 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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