Skip to main content
1 / 32

$324,900

889 CALICO SCALLOP STREET, RUSKIN, FL 33570

Active168 days on market

Beds

4

Baths

2

Sq Ft

1,935 sq ft

Year Built

2021

Lot Size

—

Garage

2

About This Property

One or more photo(s) has been virtually staged. Over $20,000 has already been paid toward the CDD revenue bond—an incredible value and major advantage for this home! This well-maintained 4 bedroom, 2 bathroom Hartford floor plan home in Ruskin is located on a quiet street in the desirable Shell Cove community. With low HOA fees, an elevated homesite that may help reduce or eliminate lender-required flood insurance, and a USDA-eligible location that may allow qualified buyers to purchase with little to no money down, this home offers value from the start. Step inside to an open, light-filled floor plan with large windows and spacious living areas. The kitchen features granite countertops, dark 42" tall cabinetry, stainless steel appliances, a spacious pantry, water filtration system, and extended counters perfect for barstool seating and entertaining. The split-bedroom layout provides privacy, with a generous primary suite featuring room for a king-size bed, a large walk-in closet, dual sinks, and a standalone shower. Three additional bedrooms and a guest bathroom are located across the family room, offering flexible space for guests, work, or hobbies. The laundry room is conveniently located near the garage, and the large two-car garage provides covered parking and extra storage. The Shell Cove community is loved for its scenic pond views and resort-style amenities including a sparkling pool, playground, clubhouse, dog park, basketball court, and more. Ruskin offers quick access to I-75 and US-301 for an effortless commute to MacDill AFB, St. Pete, Tampa, Bradenton, and Sarasota. E.G. Simmons Park and Little Harbor are just minutes away, offering opportunities for beach relaxation, nature walks, fishing, camping, boating, and enjoying Florida’s natural beauty. With nearby restaurants, shopping, and the Gulf beaches close by, this location has it all. Schedule your private showing today before it's gone!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8499774
StatusActive
Year Built2021
Total Rooms7
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionSHELL COVE
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Open Floorplan, Other, Stone Counters, Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorOther
Lot FeaturesIn County, Landscaped
Road SurfacePaved, Asphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Public, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$145 / Annually
Senior CommunityNo

Financial Details

List Price$324,900
Original Price$359,000
Annual Taxes$7,456 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningMPUD
Parcel #U063219C0700000000241.0

Schools

ElementaryThompson Elementary
MiddleShields-HB
HighLennard-HB

Directions

Take I-75 exit 240B to merge onto FL-674 W/College Ave toward Ruskin. Turn right onto U.S. Hwy 41. Turn left onto 11th Ave NW. Turn left onto Island Sunset Place, Turn left onto Anchor Bend Drive. Turn right onto Calico Scallop Street. Arrive at 889 Calico Scallop on the left.

Location

889 CALICO SCALLOP STREET, RUSKIN, FL 33570

Listing Information

OfficeKELLER WILLIAMS SOUTH SHORE
ListedApril 21, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$324,900

20% ($64,980)
6.75%

Loan Term

Principal & Interest$1,686
Property Tax (est.)$298
Insurance (est.)$150
Total Monthly$2,134
Full Calculator →

Nearby Schools

How to Buy This Home

Multiple financing options available for this $324,900 home in RUSKIN.

🏛️

FHA Loan

$11,372 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

$16,245 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.

More Homes in Ruskin

More Homes in Ruskin

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: September 29, 2026.

Call (813) 733-7907TextContact