440 Olive Conch St, photo 1
Active
1 / 59

Overview

5 bd3 ba2,522 sqft2 car garageSingle Family
TypeSingle Family
HOA$8/mo
Built2020
Lot5,000 sqft
Living area2,522 sqft
Price / sqft$169
Garage2 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Crown MoldingStone CountersWalk-in Closet(s)Built-in OvenRefrigerator

440 Olive Conch St is a 2020-built home in Shell Cove Ph 1, Ruskin. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,522 square feet of living space. Listed at $425,000 (about $169/sqft), 145 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $8 monthly.

From the listing

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)

The essentials

Built
2020
Price / sqft
$169
On market
145 days
Annual tax
$7,026
HOA
$8/mo
Flood zone
AE
Lot
5,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
Waterfront
Pond
2 car garage
5,000 sqft lot
Lot size
2,522 sqft
Living area

Payment

Est. monthly payment
$3,023/mo
Down payment (20%)
$85,000
Property taxes
$586/mo
HOA
$8/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
5,000 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Pond
Days on Market
145
Crown Molding
Stone Counters
Walk-in Closet(s)
Built-in Oven
Refrigerator
Elementary
Ruskin-HB
Middle
Shields-HB
High
Lennard-HB

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

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$7,026
Parcel #
U-06-32-19-C07-000000-00386.0

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

Subdivision
Shell Cove Ph 1
County
Hillsborough
MLS Area
33570 - Ruskin/Apollo Beach
Lot Size
5,000 sqft
HOA
$8/mo
INFRAMARK

Price history

Date
Event
Price
8/21/2026
Price change
Source: Stellar MLS #TB8511817
$425,000-1.2%
$169/sqft
-
Price change
Source: Stellar MLS #TB8511817
$430,000-1.1%
$170/sqft
5/20/2026
Listed for sale
Source: Stellar MLS #TB8511817
$435,000+69.3%
$172/sqft
9/14/2020
Sold
Source: Hillsborough County Public Record
$257,000
$102/sqft

Neighborhood

440 Olive Conch St
Ruskin, FL, 33570 · 33570 - Ruskin/Apollo Beach

Market insights

Offer Insights

Choose an offer strength

List price: $425,000
$422,500 – $425,000
99.5% – 100% of listTops out right at the list price
80% of listList price
123 of the last 211 home closings in 33570 landed at this number or higher (58%). The median one sat 43 days before it went under contract, and this one is on day 145 after a $10,000 cut.

Sample: 211 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,023/mo
Principal & interest$2,217
Property taxes$586
Insurance$213
HOA$8
Down payment20% · $85,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$425,000

$169 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,522 sq ft

Time on market

145 days

Year built

2020

Monthly payment

About $3,023/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,026 annual tax bill, insurance, and the $8/mo HOA fee.

HOA fee

$8/mo

Managed by INFRAMARK.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Charles DelarosaListing data from Stellar MLS, MLS# TB8511817.

Keep exploring Florida

Pick up where you left off, or see what else is out there.