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$365,000

797 OLIVE CONCH STREET, RUSKIN, FL 33570

3D Tour
Active170 days on market

Beds

5

Baths

3

Sq Ft

2,415 sq ft

Year Built

2020

Lot Size

0.11 acres

Garage

2

About This Property

Virtually Staged. Welcome Home to 797 Olive Conch Street, nestled in the highly desirable community of Shell Cove in Ruskin! This home boasts 5 bedrooms, 2-1/2 bathrooms and a spacious open floorplan that features a living room, eat-In Kitchen with oversized island and a dining room, offering the perfect blend of comfort, functionality, and location. The kitchen features ample countertop space, appliances, abundant cabinetry, and a walk-in pantry, making it perfect for everyday living and entertaining alike. The primary suite is conveniently located on the 1st floor, offering privacy and ease of access of oversized walk-in closet and spacious layout. Upstairs, you will find a spacious family room loft and 4 additional bedrooms provide flexibility for family, guests, or workspace needs. The inside laundry room is conveniently located near the kitchen for added practicality. The home has a large, fenced backyard. This home offers access to fantastic community amenities, including a resort-style pool, centralized mail station, playground, and tennis courts. Enjoy being just minutes from beautiful local attractions such as Bahia Beach, Little Harbor, Shell Point Marina, and E. G. Simmons Park. With easy access to major highways, commuting to Tampa or Sarasota is a breeze. Low HOA annually. Call today to schedule your private tour! This home has it all! Be ready to Fall in love at your first viewing!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8482791
StatusActive
Year Built2020
Stories2
Total Rooms9
ConstructionStucco
RoofShingle
FoundationSlab
FacesWest
SubdivisionSHELL COVE PH 1
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsBlinds
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorSliding Doors
FencingFenced, Vinyl
Lot Size0.11 acres (5,000 sq ft)
Lot Dimensions40 x 125
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Electricity Connected, Public, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$170 / Annually
Senior CommunityNo

Financial Details

List Price$365,000
Annual Taxes$8,538 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #U063219C0700000000190.0

Schools

ElementarySchmidt-HB
MiddleShields-HB
HighLennard-HB

Directions

Follow I-75 S to FL-674 W/College Ave in Ruskin. Take exit 240B from I-75 S. Merge onto FL-674 W/College Ave. Turn right onto S Tamiami Trail/S U.S. Hwy 41. Turn left onto W Shell Point Rd. Turn right onto 8th St NW. Turn left onto 7th Ave NW. Turn right at the 2nd cross street onto Olive Conch St. Destination will be on the right.

Location

797 OLIVE CONCH STREET, RUSKIN, FL 33570

Listing Information

OfficeCENTURY 21 BEGGINS ENTERPRISES
ListedMarch 4, 2026

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Home Price

$365,000

20% ($73,000)
6.75%

Loan Term

Principal & Interest$1,894
Property Tax (est.)$335
Insurance (est.)$150
Total Monthly$2,378
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $365,000 home in RUSKIN.

🏛️

FHA Loan

$12,775 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$18,250 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: August 21, 2026.

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