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498 Olive Conch St, Ruskin, FL, 33570

$146/sqft·Shell Cove Phase 1

4 bd3 ba2,328 sqft2 car garageSingle Family
Listed by MARK SPAIN REAL ESTATE· Last updated · MLS# TB8546367

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

Est. monthly payment
$2,524/mo
Down payment (20%)
$68,000
Property taxes
$570/mo
HOA
$140/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2020
2 car garage
5,000 sqft lot
Lot size
2,328 sqft
Living area

About this home

Built-in FeaturesEat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSplit BedroomStone Counters

498 Olive Conch St is a 2020-built home in Shell Cove Phase 1, Ruskin. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,328 square feet of living space. Listed at $340,000 (about $146/sqft), 1 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $140 annually.

From the listing

Welcome to 498 Olive Conch Street in Ruskin! This inviting two-story home offers a bright, open-concept layout designed for comfortable everyday living and entertaining. The spacious kitchen features white cabinetry, granite countertops, stainless steel appliances, and a large center island with breakfast-bar seating overlooking the dining and living areas. Tile flooring flows throughout the main level, while the upstairs provides generously sized bedrooms, flexible living space, and a conveniently located laundry room. Step outside to a large, fully fenced backyard overlooking a peaceful pond—the perfect setting for relaxing or enjoying Florida’s beautiful weather. A two-car garage provides additional parking and storage. Community amenities include a clubhouse, sports court, and playground. Don’t miss the opportunity to make this well-maintained Ruskin home your own!

The essentials

Built
2020
Price / sqft
$146
On market
4 days
Annual tax
$6,836
HOA
$140/yr
Flood zone
AE
Lot
5,000 sqft
Type
Single Family Residence

Location

498 Olive Conch St
Ruskin, FL, 33570·33570 - Ruskin/Apollo Beach
Type
Single Family Residence
Year Built
2020
Lot
5,000 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
4
Built-in Features
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Lighting
Private Yard
Sidewalk
Cooktop
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener

Elementary

Thompson Elementary

Middle

Shields-HB

High

Lennard-HB

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

Homestead exemption on fileFlood Zone AE

Annual Tax (2025)

$6,836

Parcel #

U-06-32-19-C07-000000-00381.0

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 Phase 1

County

Hillsborough

MLS Area

33570 - Ruskin/Apollo Beach

Lot Size

5,000 sqft

HOA
$140/yr
INFRAMARK
Date
Event
Price
9/7/2026
Listed for sale
Source: Stellar MLS #TB8546367
$340,000+25.0%
$146/sqft
12/17/2020
Sold
Source: Hillsborough County Public Record
$272,000
$117/sqft
Est. monthly payment$2,525/mo
Principal & interest$1,773
Property taxes$570
Insurance$170
HOA$12
Down payment20% · $68,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee 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.

Offer Insights

Choose an offer strength

List price: $340,000
$337,500 – $340,000
99.5% – 100% of listTops out right at the list price
80% of listList price
94 of the last 167 home closings in 33570 landed at this number or higher (56%). The median one sat 40 days before it went under contract, and this one is on day 4.

Sample: 167 closed home sales in 33570 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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