About This Home

This 5-bedroom, 3-bathroom single family at 440 OLIVE CONCH Street in Ruskin, FL is listed for $425,000 ($169 per sqft). Built in 2020, the home offers 2,522 sqft of living space on a 0.11 acres lot.

Key Features

  • Built in 2020
  • 0.11 acre lot
  • Waterfront

Property Details

1 story
3 full
2020

Amenities

SolarWaterfrontA/C
Listing Description

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)

Monthly Cost Estimate

$2,273/mo

20% down · 6.5% · 30 years

Principal$307
Interest$1,842
Insurance$124

Estimates only. Actual payments may vary.

Location

440 OLIVE CONCH Street

Ruskin, FL 33570

SHELL COVE PH 1

Features & Amenities

Interior Features

Crown MoldingStone CountersWalk-In Closet(s)

Property Details

Flooring

TileCarpet

Construction

Block Brick

Heating

Central

Cooling

Central Air

Appliances

Built-In OvenRefrigerator

Questions & Answers

This 5-bedroom, 3-bathroom single family at 440 OLIVE CONCH Street is listed at $425,000 ($169/sqft). The estimated monthly payment is $2,273 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2020, 0.11 acre lot, Waterfront. Interior Features: Crown Molding, Stone Counters, Walk-In Closet(s).

This property is listed by Charles Delarosa and can be reached at 8137083937.

CD

Charles Delarosa

Agent at eXp Realty LLC

(813) 708-3937
Agent website

Listed by eXp Realty LLC · Broker phone: (888) 883-8509 · View on Broker Site · Broker website

MLS# TB8511817· Source: Stellar MLS· 118 days on PropertySimple

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

440 OLIVE CONCH Street, Ruskin, FL 33570

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