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.
For sale
Price cut: $15K (4/10)
$400,000
984 Olive Conch St, Ruskin, FL 33570
5beds
2,415sqft
Single Family Residence
Built in 2021
6,507 Square Feet Lot
$397,300 Zestimate®
$166/sqft
$9/mo HOA
What's special
Large screened lanaiVersatile loftLarge pantryEn-suite bathPaver patioSpacious corner lotPrivate fenced backyard
- 126 days |
- 139 |
- 20 |
Zillow last checked:
Listing updated:
Listed by:
Michael Ceparano 813-417-6698,
FUTURE HOME REALTY INC 813-855-4982,
Michael Ceparano Jr 813-618-2300,
FUTURE HOME REALTY INC
Source: Stellar MLS,MLS#: TB8481422
Originating MLS: Suncoast Tampa
Originating MLS: Suncoast Tampa
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Utility Room, Loft
Primary bedroom
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: First
- Area: 240 Square Feet
- Dimensions: 15x16
Bedroom 2
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: Second
- Area: 132 Square Feet
- Dimensions: 12x11
Bedroom 3
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: Second
- Area: 132 Square Feet
- Dimensions: 12x11
Bedroom 4
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: Second
- Area: 143 Square Feet
- Dimensions: 11x13
Bedroom 5
- Features: Ceiling Fan(s), Built-in Closet
- Level: Second
- Area: 144 Square Feet
- Dimensions: 12x12
Primary bathroom
- Features: Dual Sinks, En Suite Bathroom, Exhaust Fan, Shower No Tub, Stone Counters
- Level: First
- Area: 64 Square Feet
- Dimensions: 8x8
Bathroom 2
- Level: First
- Area: 32 Square Feet
- Dimensions: 4x8
Bathroom 3
- Features: Dual Sinks, Exhaust Fan
- Level: Second
- Area: 60 Square Feet
- Dimensions: 5x12
Balcony porch lanai
- Level: First
- Area: 45 Square Feet
- Dimensions: 9x5
Dining room
- Level: First
- Area: 112 Square Feet
- Dimensions: 8x14
Kitchen
- Features: Kitchen Island, Pantry, Stone Counters
- Level: First
- Area: 126 Square Feet
- Dimensions: 9x14
Living room
- Features: Ceiling Fan(s)
- Level: First
- Area: 240 Square Feet
- Dimensions: 15x16
Loft
- Features: Ceiling Fan(s)
- Level: Second
- Area: 192 Square Feet
- Dimensions: 12x16
Utility room
- Level: First
- Area: 35 Square Feet
- Dimensions: 7x5
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Microwave, Range, Water Softener
- Laundry: Laundry Room
Features
- Ceiling Fan(s), Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)
- Flooring: Carpet, Ceramic Tile
- Doors: Sliding Doors
- Windows: Blinds, Hurricane Shutters
- Has fireplace: No
Interior area
- Total structure area: 3,291
- Total interior livable area: 2,415 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Garage Door Opener
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Front Porch, Patio, Rear Porch, Screened
- Exterior features: Irrigation System, Private Yard, Sidewalk
- Fencing: Fenced,Vinyl
- On waterfront: Yes
- Waterfront features: Waterfront
Lot
- Size: 6,507 Square Feet
- Dimensions: 52.08 x 125
- Features: Corner Lot
Details
- Parcel number: U063219C0700000000148.0
- Zoning: PD
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Stucco
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 2021
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Electricity Connected, Sewer Connected, Water Connected
Community & HOA
Community
- Features: Waterfront, Clubhouse, Community Mailbox, Dog Park, Playground, Pool, Sidewalks
- Pet fee: $0 monthly
- Subdivision: SHELL COVE PH 1
HOA
- Has HOA: Yes
- Amenities included: Basketball Court, Playground, Pool
- HOA fee: $9 monthly
- HOA name: Inframark/ Jesenia Perez
- HOA phone: 813-873-7300
Location
- Region: Ruskin
Financial & listing details
- Price per square foot: $166/sqft
- Tax assessed value: $323,097
- Annual tax amount: $8,444
- Date on market: 2/27/2026
- Cumulative days on market: 126 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Asphalt, Paved
Estimated market value
$397,300
$377,000 - $417,000
$2,654/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/10/2026 | Price change | $400,000-3.6%$166/sqft |
Source:  Stellar MLS #TB8481422 Report a problem | ||
| 2/28/2026 | Listed for sale | $415,000+6.4%$172/sqft |
Source: Stellar MLS #TB8481422 Report a problem | ||
| 10/19/2023 | Sold | $390,000+0.5%$161/sqft |
Source: Stellar MLS #T3470411 Report a problem | ||
| 9/10/2023 | Pending sale | $388,000$161/sqft |
Source: Stellar MLS #T3470411 Report a problem | ||
| 9/9/2023 | Listed for sale | $388,000+25.1%$161/sqft |
Source: Stellar MLS #T3470411 Report a problem | ||
| 9/1/2021 | Sold | $310,200$128/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $8,445 +12.2% | $323,097 +3% |
| 2024 | $7,525 +6.7% | $313,715 +8.9% |
| 2023 | $7,055 -1.2% | $288,185 +3% |
| 2022 | $7,143 +167.1% | $279,791 +781.6% |
| 2021 | $2,674 +20.3% | $31,736 +387.5% |
| 2020 | $2,224 | $6,510 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 33570
Nearby schools
GreatSchools rating
- 2/10Thompson ElementaryGrades: PK-5Distance: 2.4 mi
- 2/10Shields Middle SchoolGrades: 6-8Distance: 4.7 mi
- 3/10Lennard High SchoolGrades: 9-12Distance: 2.4 mi
Schools provided by the listing agent
- Elementary: Thompson Elementary
- 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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Hillsborough County
- Ruskin
- 33570
- 984 Olive Conch St
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