$400,000

984 Olive Conch St · Ruskin, FL, 33570

$166 / sqft
Shell Cove Ph 1
5
Beds
3
Baths
2,415
Sqft
2
Garage
Ask About This Home

This is a 2021-built single-family home in Shell Cove Ph 1. Flood zone AE — confirm flood insurance requirements with your lender. HOA runs $110 . 103 days on market — likely some room to negotiate.

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Year Built2021
On Market103 days
Lot6,507 sqft
Annual Tax$8,445
Flood ZoneAE
HOA$110/yr

About This Property

This almost new 5-bedroom, 2.5-bath Columbia model is situated on a spacious corner lot in the highly desirable Shell Cove community. The thoughtfully designed two-story floor plan features an open-concept first level that seamlessly connects the kitchen, dining, and living areas, providing excellent flow for everyday living and entertaining. The kitchen offers modern countertops, a large pantry, and new stainless steel appliances. The owner’s suite is conveniently located on the first floor and includes an en-suite bath and generous closet space. Upstairs, four additional bedrooms and a versatile loft provide flexible options for guest rooms, office space, playroom, or media area. The private, fenced backyard is designed for outdoor enjoyment, featuring a large screened lanai and paver patio, ideal for relaxing, grilling, and gatherings. Shell Cove residents enjoy resort-style amenities, including a community pool, clubhouse, basketball court, dog park, playground, and fitness and recreation facilities, all within a pet-friendly environment with low HOA fees. The community offers convenient access to major roadways for commuting to MacDill AFB, Tampa, St. Petersburg, Bradenton, and Sarasota, as well as nearby award-winning Gulf beaches and Tampa Bay attractions. E.G. Simmons Conservation Park is approximately 2 miles away and provides camping, swimming, kayaking, fishing, and boat ramps, while Bahia Beach and Little Harbor Marina offer a private beach area, waterfront dining, tiki bar, fishing charters, and water sports just minutes from your front door.

Location

Property Details

🏠
Type
Single Family Residence
📅
Year Built
2021
🌳
Lot
6,507 sqft
❄️
Cooling
Central Air
🔥
Heating
Central
🚗
Parking
Driveway, Garage Door Opener
📆
Days on Market
103

Features

Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Hurricane Shutters
Private Yard
Sidewalk
Sliding Doors
Clubhouse
Community Mailbox
Dog Park
Playground
Pool
Sidewalks
Dishwasher
Disposal
Microwave
Range
Water Softener

Assigned Schools

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

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

Taxes & Public Records

🏡Homestead exemption on file📋In a CDD (Community Development District)🌊Flood Zone AE

Annual Tax (2025)

$8,445

Parcel #

U-06-32-19-C07-000000-00148.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary — confirm with the county property appraiser before closing.

Lot & Community

Subdivision

Shell Cove Ph 1

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

6,507 sqft

Corner Lot
HOA
$110/yr
Inframark/ Jesenia Perez

Price History

EventDatePriceChange
Price ChangeApr 10, 2026$400,000-$15,000
Previous Price$415,000

Affordable Financing

Affordability Calculator

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Loan Details

$100K$2M

Your Results

Total Monthly Payment
$3,099
Principal, interest, tax, insurance, HOA
  • P&I$2,086
  • Tax$704
  • Insurance$300
  • HOA$9
Loan Amount
$320,000
Down Payment %
20.0%
First Year Summary
Principal
$3,378
Interest
$21,656
Balance
$316,622
Total Interest
$431,018
Total Cost
$751,018

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