440 OLIVE CONCH STREET Ruskin, FL $ 435,000
440 OLIVE CONCH STREET
$ 435,000
Recently Listed New Construction
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440 OLIVE CONCH STREET

Ruskin, FL, 33570
$ 435,000
Bedrooms5 Baths3.0 Sq 2,522

Monthly Estimate*

$ 2,678

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Single Family Home for sale in Ruskin, FL

for $435,000 with 5 bedrooms and 3 full baths. This 2,522 square foot home was built in 2020 on a lot size of 0.11.

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)

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Single Family Active

Price

$ 435,000

Bedrooms

5

Full Bath

3

Property Type

Single Family

Taxes

$ 7,026

Style

Single Family Residence

Lot Size

0.11

Year Built

2020

Town/City

Ruskin

County/Region

Hillsborough

MLS | Web ID

TB8511817

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Other
Roof Shingle
Appliances Built-In Oven Refrigerator
Zoning PD
HOA Fee 8
Garage Spaces 2
Construction Materials Block Brick
Pets Allowed Yes
Year Built 2020
Electric Photovoltaics Seller Owned
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Pond
Assoc Fee Paid Per Monthly
County Hillsborough
New Construction true
Property Type Residential
Attached Garage false
Subdivision Name SHELL COVE PH 1
Facing Direction North
Garage Y/N true
Green Energy Generation Solar
Total Rooms 6
Full Baths 3
Status Active
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.
High School Lennard-HB
City RUSKIN
Association Name INFRAMARK
Senior Community Y/N false
MLS Area 33570 - Ruskin/Apollo Beach
Lot Size Units Square Feet
Lot Size Square Feet 5000
Carport Y/N false
Elementary School Ruskin-HB
Land Lease Y/N false
Tax Annual Amount 7026
Middle/Junior High School Shields-HB
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/TB8511817
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 386
Legal Description SHELL COVE PHASE 1 LOT 386
Water View Pond
Water Access Type Pond
Minimum Lease No Minimum
Water Access Y/N true
Monthly HOA Amount 8
Water View Y/N true
Flood Zone Code AE
DockY/N false
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Interior
Interior Amenities Crown Molding Stone Counters Walk-In Closet(s)
Flooring Carpet Tile
Furnished Y/N Unfurnished
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Laundry Room
Total Bedrooms 5
Total Baths 3
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Exterior
Exterior Amenities Irrigation System
Water Source Public
Lot Size Area 5000
Foundation Details Block Slab
Building Area Total 2970
Lot Size Acres 0.11
Road Surface Type Asphalt
Private Pool false
Waterfront Y/N true
Covered Spaces 2
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* Excluded Features
List By
Florida's 1St Choice Rlty Llc

Broker

charlesd18@hotmail.com

Email

Affordability Calculator

$3,264
Per Month
82%
18%
0%
Monthly Principal & Interest
$2,678
Monthly Property Taxes
$586
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3324922 Elementary School
266360 Middle School
Lennard-HB High School High School
Pricing History
DatePricePrice ChangeDescription
5/23/2026$435,000 Listed Price

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440 OLIVE CONCH STREET, Ruskin, FL, 33570 is a Single Family Home for sale at $435,000 with 2,522 sqft and a lot size of 0.11. 440 OLIVE CONCH STREET has 5 bedrooms, 3.0 baths, and was built in 2020. The property's zip code is 33570 which is in Ruskin, FL