440 OLIVE CONCH STREET

House For Sale

$430,000

BTC: 6.59711568

ETH: 226.00176597

-$5K (2026/06/20)

70 days

Waterfront

For Sale

House

5 bds •

3 ba •

2,522 sqft

Overview

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)

Location

Florida • RUSKIN • 33570 • House • For Sale • Waterfront

Details

Type:

Residential

Parking:

No Data

Year Built:

2020

Lot:

0.11 Acres

Heating:

Central

Price/sqft:

$170

Cooling:

Central Air

HOA:

Type:

Residential

Parking:

No Data

Year Built:

2020

Lot:

0.11 Acres

Heating:

Central

Price/sqft:

$170

Cooling:

Central Air

HOA:

Private inquiry

Talk to the advisor on this listing.

Floor plans, HOA docs, off-market comparables, scheduling a private showing — one message, direct to the local specialist.

Valuation

Our model vs. what's actually selling nearby.

Estimate

$374,495

$269K – $494K

Confidence Low

List vs. estimate

$55K above estimate

List $430,000 · +14.8%

Our model says this listing is priced above recent comparable activity. Room to negotiate.

Price per sq ft

$170

-4.2% vs. city median $178

Based on

70 MLS comparables

Median of recent comparable listings. Sold comps use closing price, active listings use list price.

Highlights

Annual tax

$7,026

2025

HOA

$8/mo

Waterfront

Pond

Garage

2 car garage

Pets

Allowed

All facts and features

Flooring

• Carpet

• Tile

Heating

• Central

Cooling

• Central Air

Appliances

• Built-In Oven

• Refrigerator

Other interior features

• Crown Molding

• Stone Counters

• Walk-In Closet(s)

Bedrooms and bathrooms

• Bedrooms: 5

• Full bathrooms: 3
Property

• Levels: One

• Exterior Features: Irrigation System

Lot

• Lot: 0.11 Acres

Other Property Information

• Parcel Number: U063219C0700000000386.0

• Zoning: PD
Type and style

• Property Type: Residential

• Property Sub Type: Single Family Residence
Utility

• Other
Other financial information

• HOA: $8

• HOA Frequency: Monthly

• Annual tax amount: $7,026
Source details

• MLS ID: TB8511817

Other facts

• Construction Materials: Block / Brick

• Foundation Details: Block / Slab

• Laundry Features: Laundry Room

• Direction Faces: North

• Waterfront: Yes

• Garage Spaces: 2

• Garage: Yes

• Living Area: 2522

• Water Source: Public

• Subdivision Name: SHELL COVE PH 1

Private inquiry

Talk to the advisor on this listing.

Floor plans, HOA docs, off-market comparables, scheduling a private showing — one message, direct to the local specialist.

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The multiple listing information is provided by the Stellar MLS from a copyrighted compilation of listings. The compilation of listings and each individual listing are ©2026-present Stellar MLS. All Rights Reserved. The information provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified. Listing courtesy of: FLORIDA'S 1ST CHOICE RLTY LLC

440 OLIVE CONCH STREET

Overview

Location

Details

Valuation

Highlights

Interior details

Property details

Construction details

Utilities / Green Energy Details

HOA and Financial Details

Other

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