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440 OLIVE CONCH STREET

Ruskin, FL, 33570

Active

$425,000

5

Bedrooms

3

Bathrooms

2,522 sqft

Living Area

2020

Year Built

5,000

Lot Size (sqft)

$8

HOA / Monthly

90

Days on Market

Dock & Water AccessMLS

Pond

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

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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Location

Ruskin, FL, 33570

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of FLORIDA'S 1ST CHOICE RLTY LLC via Stellar MLS

Last checked: 7 hours ago

Listing updated: August 21, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

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FEMA Flood Zone AE
BFE: 11ft

Special Flood Hazard Area

View FEMA Flood Map →

Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$85,000 down

%
Principal & Interest$2,205/mo
Property Tax (est. ~1.2%, varies by county)$425/mo
Home Insurance (est.)$250/mo
HOA Fees$8/mo
Total Monthly Payment$2,888
Loan Amount: $340,000Rate: 6.75%
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$425,000Tour the dockSchedule a Showing