797 OLIVE CONCH STREET, RUSKIN, FL, 33570
Active143 days on marketListed Mar 4, 2026MLS #TB8482791
About this home
797 OLIVE CONCH STREET
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!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,415
Sqft
0.11 ac
Lot size
2
Garage
2020
Year built
Two
Levels
$151
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,196 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,196/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−1.9%
$/sqft vs SHELL COVE PH 1
$151 vs $169
Days on market
143 vs 51 typical
Where $151/sqft sits among the 12 homes for sale in SHELL COVE PH 1
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ruskin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33570 — neighborhood snapshot
Population
33,676
Median age
36.7
Median income
$69,048
Median home value
$255,400
Avg household
2.86
Households w/ children
4,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$330K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
9 of 12
SHELL COVE PH 1 have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 797 OLIVE CONCH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$360,000
636 OLIVE CONCH STREET · same community
5 bd · 3 ba · 2,522 sqft · $143/sqft · 36 DOM
Sold · Jan ’26$310,000
458 8TH STREET NW · same community
4 bd · 2.5 ba · 2,035 sqft · $152/sqft · 12 DOM
Sold · Jun ’26$439,900
1027 OCEAN SPRAY DRIVE · same community
4 bd · 3.5 ba · 2,798 sqft · $157/sqft · 198 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 797 OLIVE CONCH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 797 OLIVE CONCH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
797 OLIVE CONCH STREET FAQs
What would the monthly payment be for 797 OLIVE CONCH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,196/mo — principal and interest, the actual property-tax bill, the $14/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 797 OLIVE CONCH STREET?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 797 OLIVE CONCH STREET?+
The most recent tax bill on record (2025) was $8,538. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 797 OLIVE CONCH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $365,000, this home is listed about 4% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 797 OLIVE CONCH STREET?+
Ruskin Elementary School (elementary), Lennard High School (high), Shields Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Carolina Chamberlin. MLS #TB8482791.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Ruskin homes, in your inbox
Like 797 OLIVE CONCH STREET but not quite? A daily digest of every new listing in Ruskin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →