INNOVATE Real Estate
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 2 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 3 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 4 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 5 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 6 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 7 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 8 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 9 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 10 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 11 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 12 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 13 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 14 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 15 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 16 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 17 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 18 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 19 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 20 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 21 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 22 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 23 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 24 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 25 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 26 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 27 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 28 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 29 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 30 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 31 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 32 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 33 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 34 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 35 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 36 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 37 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 38 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 39 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 40 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 41 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 42 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 43 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 44 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 45 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 46 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 47 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 48 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 49 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 50 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 51 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 52 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 53 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 54 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 55 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 56 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 57 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 58 of 59
Single Family Residence at 440 OLIVE CONCH ST, RUSKIN, photo 59 of 59
59 photos

$425,000

440 OLIVE CONCH ST
RUSKIN, FL 33570
Listed by Charles Delarosa · EXP REALTY LLC
Bedrooms
5
Bathrooms
3
Living area
2,522 sqft
Year built
2020

About this home

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)

Highlights

Waterfront

Property details

MLS
Stellar MLS
MLS #
MFRTB8511817
Property type
Single Family Residence
Subdivision
SHELL COVE PH 1
Status
Active
Days on market
139
On market date
May 23, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
0.11 acres

Location

Get directions →
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
RUSKIN ELEMENTARY SCHOOL
1.04 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
741
Student:teacher ratio
16.1:1
District
HILLSBOROUGH
Middle
SHIELDS MIDDLE SCHOOL
4.82 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,792
Student:teacher ratio
20.8:1
District
HILLSBOROUGH
High
LENNARD HIGH SCHOOL
2.53 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,259
Student:teacher ratio
22.1:1
District
HILLSBOROUGH

Walkability

Blended score for RUSKIN's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

30
Car-dependent
out of 100
EPA National Walkability Index
7.8 / 20 -- Below average walkable
Google Places amenity density
15 / 100
Restaurants & cafes0
Grocery stores0
Parks3
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in RUSKIN, from live MLS data.

On the market 139 days -- 35 more days than RUSKIN's current average of 104 days.
For reference, the median list price across 464 active listings in RUSKIN right now is $324,950.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$2,709/mo
$85,000 down
$340,000 loan
Principal & interest$2,205
Property tax (est.)$354
Home insurance (est.)$150

Similar homes you might like

1822 MIRA LAGO CIR
New
$469,000
1822 MIRA LAGO CIR
RUSKIN, 33570
4 bd·3 ba·2,317 sqft
1 day on market
Listed by Steven Koleno, BEYCOME OF FLORIDA LLC
128 CASCADE BEND DR
New
$425,000
128 CASCADE BEND DR
RUSKIN, 33570
5 bd·2.5 ba·2,949 sqft
1 day on market
Listed by Jules Straker, EXP REALTY LLC
15479 LONG CYPRESS DR
New
$390,000
15479 LONG CYPRESS DR
RUSKIN, 33573
4 bd·2.5 ba·2,870 sqft
1 day on market
Pool
Listed by Bridd Bone, KELLER WILLIAMS SUBURBAN TAMPA
466 BAHIA BEACH BLVD
$415,000
466 BAHIA BEACH BLVD
RUSKIN, 33570
2 bd·1.5 ba·1,184 sqft
3 days on market
Listed by RE/MAX BAYSIDE REALTY LLC
525 19TH ST NW
$475,000
525 19TH ST NW
RUSKIN, 33570
5 bd·3 ba·3,300 sqft
4 days on market
Listed by Stephanie Bindel, LPT REALTY, LLC
1623 VISTOSO LN
New
$434,900
1623 VISTOSO LN
RUSKIN, 33573
3 bd·2 ba·1,835 sqft
1 day on market
Pool
Listed by 54 REALTY LLC
1711 BROAD WINGED HAWK DR
New
$345,000
1711 BROAD WINGED HAWK DR
RUSKIN, 33570
4 bd·2.5 ba·2,599 sqft
1 day on market
Listed by Daphney Excellent, LPT REALTY, LLC
585 BARRIER REEF ST
$480,000
585 BARRIER REEF ST
RUSKIN, 33570
4 bd·4 ba·3,878 sqft
6 days on market
Listed by Karen Albright, OPENDOOR BROKERAGE LLC

Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 14 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.