IDX

Listed by Charles Delarosa · Courtesy of EXP REALTY LLC · Agent MLS ID# MFR260061410 · Deemed reliable but not guaranteed. · Listing updated: Oct 9, 2026 · 4:51 PM

440 OLIVE CONCH ST

Ruskin, Hillsborough, FL, 33570

Active

$425,000

$169/sqft

5Beds
3Baths
2,522Sq Ft
2020Built
139Days on Market

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)

Facts & Features

MFRTB8511817
$425,000
Active
5
3
3
0
2,522 sqft
0.1100
2020
Residential
Single Family Residence
N/A

Community Information

440 OLIVE CONCH ST
Shell Cove Ph 1
Ruskin
Hillsborough
FL
33570
No

Amenities

N/A
N/A
No
Yes
No

Interior

Walk-In Closet(s), Stone Counters, Crown Molding
Central
Central Air
Tile, Carpet
N/A
N/A
Built-In Oven, Refrigerator

Exterior

N/A
Block, Brick
Slab, Block
Shingle
N/A
N/A

School Information

Ruskin-Hb
Shields-Hb
Lennard-Hb

Additional Information

May 23, 2026
139
PD
North
No

Mortgage Calculator

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This calculator provides estimates for informational purposes only and is not a loan offer, pre-approval, or commitment to lend. Actual rates, payments, and loan terms vary by lender and are subject to credit approval, income/asset verification, and market conditions. Property tax and homeowners insurance shown are estimates and may differ. PMI applies when the down payment is under 20%. For an official Loan Estimate, contact a licensed mortgage lender. EXP REALTY LLC is a licensed real estate brokerage, not a mortgage lender. Equal Housing Opportunity.

139 days on market

Listing updated: Oct 9, 2026 · 4:51 PM

Listed by: Charles Delarosa · 813-708-3937—EXP REALTY LLC · 813-906-1561

Updated from Real Estate Market Data

Location

Ahmed ElbatrawyAhmed ElbatrawyEmpire Network Realty

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