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For sale
    • Price cut: $5K (8/21)
    $425,000

    440 OLIVE CONCH STREET, RUSKIN, FL 33570

    5beds
    2,522sqft
    : 
    $3,093/mo
    Get pre-qualified
    Single Family Residence
    Built in 2020
    5,000 Square Feet Lot
    $-- Zestimate®
    $169/sqft
    $8/mo HOA

    What's special

    Versatile loftFresh interior paintSolar-tinted windowsSolid surface countertopsSpacious two-story residenceCustom built-insOpen-concept floor plan
    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)
    138 days
    93
    5

    Zillow last checked:

    Listing updated:

    Listed by:

    Charles Delarosa 813-708-3937,

    EXP REALTY LLC 888-883-8509

    Source: Stellar MLS,MLS#: TB8511817MLS LogoOriginating MLS: Sarasota - Manatee

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 3
      • Full bathrooms: 3
      Other
      • Features: Walk-In Closet(s)
      • Level: Second
      Bedroom 1
      • Features: No Closet
      • Level: First
      Bathroom 1
      • Features: No Closet
      • Level: First
      Dining room
      • Features: No Closet
      • Level: First
      Kitchen
      • Features: Walk-In Closet(s)
      • Level: First
      Living room
      • Features: No Closet
      • Level: First
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Oven, Refrigerator
      • Laundry: Laundry Room
      Features
      • Crown Molding, Stone Counters, Walk-In Closet(s)
      • Flooring: Carpet, Tile
      • Has fireplace: No
      Interior area
      • Total structure area: 2,970
      • Total interior livable area: 2,522 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage
      • Garage spaces: 2
      Features
      • Levels: One
      • Stories: 1
      • Exterior features: Irrigation System
      • Has view: Yes
      • View description: Pond
      • Has water view: Yes
      • Water view: Pond
      • Waterfront features: Pond, Pond Access
      Lot
      • Size: 5,000 Square Feet
      Details
      • Parcel number: U063219C0700000000386.0
      • Zoning: PD
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Block, Brick
      • Foundation: Block, Slab
      • Roof: Shingle
      Condition
      • Completed
      • New construction: No
      • Year built: 2020

      Utilities & green energy

      • Electric: Photovoltaics Seller Owned
      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Other
      Green energy
      • Energy generation: Solar

      Community & HOA

      Community
      • Pet fee: $0 monthly
      • Subdivision: SHELL COVE PH 1
      HOA
      • Has HOA: Yes
      • HOA fee: $8 monthly
      • HOA name: INFRAMARK
      Location
      • Region: Ruskin

      Financial & listing details

      • Price per square foot: $169/sqft
      • Tax assessed value: $296,909
      • Annual tax amount: $7,026
      • Date on market: 5/23/2026
      • Cumulative days on market: 139 days
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Road surface type: Asphalt

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        8/21/2026Price change$425,000-1.2%$169/sqft
        Source: Stellar MLS #TB8511817 Report a problem
        6/20/2026Price change$430,000-1.1%$170/sqft
        Source: Stellar MLS #TB8511817 Report a problem
        5/23/2026Listed for sale$435,000-0.9%$172/sqft
        Source: Stellar MLS #TB8511817 Report a problem
        5/22/2026Listing removed--
        Source: Owner Report a problem
        5/3/2026Price change$439,000-7.6%$174/sqft
        Source: Owner Report a problem
        1/10/2026Listed for sale$475,000+84.8%$188/sqft
        Source: Owner Report a problem
        9/24/2020Sold$256,990$102/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$7,026 +12.3%$247,516 +2.9%
        2024$6,256 +2.5%$240,540 +3%
        2023$6,105 +3.1%$233,534 +3%
        2022$5,921 -2.2%$226,732 +3%
        2021$6,052 +175.5%$220,128 +4302.6%
        2020$2,196 $5,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 33570

        Getting around

        28 / 100
        Car-Dependent
        34 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Ruskin-HB
        • Middle: Shields-HB
        • High: Lennard-HB

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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