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$400,000

984 OLIVE CONCH ST
RUSKIN, FL 33570
Listed by Michael Ceparano · FUTURE HOME REALTY INC
Bedrooms
5
Bathrooms
2.5
Living area
2,415 sqft
Year built
2021

About this home

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.

Property details

MLS
Stellar MLS
MLS #
MFRTB8481422
Property type
Single Family Residence
Subdivision
SHELL COVE PH 1
Status
Active
Days on market
45
On market date
February 27, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
2
Parking spaces
N/A
Lot size
0.15 acres
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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
1.32 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
4.74 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
2.56 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 45 days -- 59 fewer 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.

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Est. monthly payment
$2,559/mo
$80,000 down
$320,000 loan
Principal & interest$2,076
Property tax (est.)$333
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated April 13, 2026.

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.