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446 6th Ave NW, Ruskin, FL, 33570

$163/sqft·Shell Cove Ph 2

4 bd4 ba2,798 sqft3 car garageSingle Family
Listed by RE/MAX BAYSIDE REALTY LLC· Last updated · MLS# TB8481858

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

Est. monthly payment
$3,652/mo
Down payment (20%)
$91,200
Property taxes
$1,034/mo
HOA
$145/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2021
Community pool
Shared amenity
3 car garage
8,023 sqft lot
Lot size
2,798 sqft
Living area

About this home

Coffered Ceiling(s)Eat-in KitchenHigh CeilingsIN Wall Pest SystemKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

446 6th Ave NW is a 2021-built home in Shell Cove Ph 2, Ruskin. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,798 square feet of living space. Listed at $456,000 (about $163/sqft), 172 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $145 annually.

From the listing

Corner lot, three-car garage, tropical landscaping, and near-new condition — this Shell Cove home delivers the Florida lifestyle you’ve been looking for. Welcome to this immaculately maintained, move-in ready home located in the resort-style community of Shell Cove in Ruskin. Perfectly positioned on a spacious corner lot, this property offers privacy, curb appeal, and the feeling of your own private retreat. Inside, the home features 4 bedrooms, 3.5 bathrooms, and a well-designed, open layout that feels bright, spacious, and exceptionally cared for throughout. The three-car garage provides plenty of room for vehicles, storage, hobbies, or a home gym setup. Step outside and you’ll immediately notice the expansive, high-end tropical landscaping, creating a lush, resort-like setting. The fully fenced vinyl privacy fence surrounds the yard, offering both security and seclusion while enhancing the outdoor living experience. Located in the desirable Shell Cove community, residents enjoy resort-style amenities including a community pool, clubhouse, playgrounds, and scenic walking paths. The location offers convenient access to shopping, dining, waterfront parks, marinas, and easy access to I-75 for commuting to Tampa, Sarasota, and the surrounding South Shore area. If you’re looking for a near-new home that combines space, privacy, and true Florida living, this one is a must-see.

The essentials

Built
2021
Price / sqft
$163
On market
193 days
Annual tax
$12,409
HOA
$145/yr
Flood zone
X · Low risk
Lot
8,023 sqft
Type
Single Family Residence

Location

446 6th Ave NW
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2021
Lot
8,023 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
193
Coffered Ceiling(s)
Eat-in Kitchen
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Hurricane Shutters
Lighting
Sidewalk
Playground
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

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

In a CDD (Community Development District)Flood Zone X

Annual Tax (2024)

$12,409

Parcel #

U-06-32-19-C0O-000000-00607.0

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 2

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

8,023 sqft

HOA
$145/yr
Beverly Papon
Date
Event
Price
8/4/2026
Price change
Source: Stellar MLS #TB8481858
$456,000-2.1%
$163/sqft
Price change
Source: Stellar MLS #TB8481858
$466,000-4.7%
$167/sqft
3/2/2026
Listed for sale
Source: Stellar MLS #TB8481858
$489,000
$175/sqft
Est. monthly payment$3,652/mo
Principal & interest$2,378
Property taxes$1,034
Insurance$228
HOA$12
Down payment20% · $91,200
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: $456,000
$452,500 – $456,000
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 193 after a $33,000 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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