446 6TH AVENUE NW, RUSKIN, FL, 33570
Active145 days on marketListed Mar 2, 2026MLS #TB8481858
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 3:00 PM
About this home
446 6TH AVENUE NW
Corner lot, three-car garage, tropical landscaping, and near-new condition — this Shell Cove home delivers the Florida lifestyle you’ve been looking for. Welcome to this immaculately maintained, move-in ready home located in the resort-style community of Shell Cove in Ruskin. Perfectly positioned on a spacious corner lot, this property offers privacy, curb appeal, and the feeling of your own private retreat. Inside, the home features 4 bedrooms, 3.5 bathrooms, and a well-designed, open layout that feels bright, spacious, and exceptionally cared for throughout. The three-car garage provides plenty of room for vehicles, storage, hobbies, or a home gym setup. Step outside and you’ll immediately notice the expansive, high-end tropical landscaping, creating a lush, resort-like setting. The fully fenced vinyl privacy fence surrounds the yard, offering both security and seclusion while enhancing the outdoor living experience. Located in the desirable Shell Cove community, residents enjoy resort-style amenities including a community pool, clubhouse, playgrounds, and scenic walking paths. The location offers convenient access to shopping, dining, waterfront parks, marinas, and easy access to I-75 for commuting to Tampa, Sarasota, and the surrounding South Shore area. If you’re looking for a near-new home that combines space, privacy, and true Florida living, this one is a must-see.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,798
Sqft
0.18 ac
Lot size
3
Garage
2021
Year built
One
Levels
$167
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.
$4,156 /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
$4,156/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
−3.6%
$/sqft vs Ruskin actives
$167 vs $179
Days on market
145 vs 51 typical
Where $167/sqft sits among the 287 Ruskin actives
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)
162 of 287
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 446 6TH AVENUE NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$480,000
701 MADISON STREET SW
3 bd · 2.5 ba · 2,998 sqft · $160/sqft · 314 DOM
Sold · Aug ’25$330,000
1118 LAUREN MANOR LOOP
4 bd · 2.5 ba · 2,392 sqft · $138/sqft · 36 DOM
Sold · Feb ’26$330,000
511 W COLLEGE AVENUE
3 bd · 2.5 ba · 2,117 sqft · $156/sqft · 3 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 446 6TH AVENUE NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 446 6TH AVENUE NW — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
446 6TH AVENUE NW FAQs
What would the monthly payment be for 446 6TH AVENUE NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,156/mo — principal and interest, the actual property-tax bill, the $12/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 446 6TH AVENUE NW?+
The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 446 6TH AVENUE NW?+
The most recent tax bill on record (2024) was $12,409. 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 446 6TH AVENUE NW?+
The listing reports pets: No. 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 $466,000, this home is listed about 33% above the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 446 6TH AVENUE NW?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$466,000 runs 39% above the RUSKIN 33570 median — but at 2,798 sqft it's also 49% larger than the typical Ruskin listing.
02Time on market is leverage
145 days on market against a Ruskin median of 51 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $489,000, now $466,000 — a $23K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX BAYSIDE REALTY LLC · Roxanne Esch. MLS #TB8481858.
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.
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