440 OLIVE CONCH STREET, Ruskin, FL, 33570
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) (SELLERS WILL ALSO PROVIDE A $20,000 INCENTIVE TO BUYERS TO GO TOWARDS THE SOLAR PACKAGE PROGRAM ) TOTAL BALANCE TO BE AROUND $19,000 (WITH A VALUE OF $47,000)
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- New construction: Yes
- Year built: 2020
Materials
- Foundation: Block,Slab
- Roof: Shingle
- Construction materials: Block,Brick
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Oven,Refrigerator
- Laundry features: Laundry Room
Bathroom1
- Features: No Closet
- Level: First
Bedroom1
- Features: No Closet
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: No Closet
- Level: First
Features
- Crown Molding,Stone Counters,Walk-In Closet(s)
- Flooring: Carpet,Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,970
- Total interior livable area: 2,522 sqft
Kitchen
- Features: Walk-In Closet(s)
- Level: First
Living Room
- Features: No Closet
- Level: First
Other
- Features: Walk-In Closet(s)
- Level: Second
Property
Details
- Parcel number: U063219C0700000000386.0
- Zoning: PD
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Irrigation System
- Has view: Yes
- View description: Pond
- Has water view: Yes
- Water view: Pond
- On waterfront: Yes
- Waterfront features: Pond,Pond Access
Lot
- Lot size: 5,000 sqft
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Cold Wave
- Hurricane
- Lightning
- Tornado
- Hail
- Heat Wave
- Inland Flooding
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Hillsborough County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,174 | $26,088 |
| Home Insurance * | $205 | $2,460 |
| Property Taxes | $588 | $7,056 |
| Electricity | $253 | $3,045 |
| Total | $3,220 | $38,640 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-20 | Price change | $430,000 |
| 2026-05-23 | Listed for sale | $435,000 |
| 2026-05-22 | Listing removed | -- |
| 2026-05-03 | Price change | $439,000 |
| 2026-01-10 | Listed for sale | $475,000 |
| 2020-09-24 | Sold | $256,990 |
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