984 Olive Conch St · Ruskin, FL, 33570
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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Schedule tour20% down · 30-yr fixed · 6.5% APR
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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
Features
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
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
Price History
| Event | Date | Price | Change |
|---|---|---|---|
| Price Change | Apr 10, 2026 | $400,000 | -$15,000 |
| Previous Price | — | $415,000 | — |
Affordable Financing
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Loan Details
Your Results
- P&I$2,086
- Tax$704
- Insurance$300
- HOA$9
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