440 Olive Conch St, Ruskin, FL, 33570
$169/sqft·Shell Cove Ph 1
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
At a glance
About this home
440 Olive Conch St is a 2020-built home in Shell Cove Ph 1, Ruskin. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,522 square feet of living space. Listed at $425,000 (about $169/sqft), 90 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $8 monthly.
Welcome to this beautifully upgraded 5-bedroom, 3-bathroom home located in the desirable Shell Cove community of Ruskin. Built in 2020, this spacious two-story residence offers over 2,400 square feet of thoughtfully designed living space featuring an open-concept floor plan, a versatile loft, and a large upstairs owner’s suite with walk-in closet and dual-sink vanity. The modern kitchen overlooks the living and dining areas and includes solid surface countertops, upgraded appliances, ample cabinetry, and under-cabinet LED lighting. Recent enhancements include laminate flooring upstairs, custom built-ins, remodeled pantry storage, upgraded fixtures, fresh interior paint, solar-tinted windows, and a whole-home water filtration and softener system. Step outside to enjoy a fully fenced backyard with pond views, mature landscaping, screened patio enclosure, garden area, and paver patio—perfect for entertaining or relaxing outdoors. Additional features include a solar power system ( WITH A AVERAGE TECO BILL OF 14$ !!! 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)
The essentials
Location
Elementary
Ruskin-HB
Middle
Shields-HB
High
Lennard-HB
Districts can re-zone, so verify directly with the district before relying on these.
Annual Tax (2025)
$7,026
Parcel #
U-06-32-19-C07-000000-00386.0
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
5,000 sqft
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
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
Sample: 167 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
Talk through an offer with our teamKeep exploring Tampa Bay
Pick up where you left off, or see what else is out there.
