889 CALICO SCALLOP STREET, RUSKIN, FL, 33570
Active107 days on marketListed Apr 21, 2026MLS #TB8499774
About this home
889 CALICO SCALLOP STREET
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, rich dark 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!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,935
Sqft
0 ac
Lot size
2
Garage
2021
Year built
One
Levels
$178
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.
$2,977 /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
$2,977/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
+1.5%
$/sqft vs Ruskin actives
$178 vs $178
Days on market
107 vs 53 typical
Where $178/sqft sits among the 275 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
$315K → $320K
Ruskin median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
152 of 275
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 889 CALICO SCALLOP STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$236,000
963 SUNLIT CORAL STREET · same community
3 bd · 2 ba · 1,372 sqft · $172/sqft · 124 DOM
Sold · Jul ’26$339,900
451 SUNLIT CORAL STREET · same community
5 bd · 3 ba · 2,522 sqft · $135/sqft · 48 DOM
Sold · Nov ’25$765,000
2310 GULF DRIVE N UNIT 205 · same community
2 bd · 1 ba · 651 sqft · $1,175/sqft · 261 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 889 CALICO SCALLOP STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 889 CALICO SCALLOP STREET — 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
889 CALICO SCALLOP STREET FAQs
What would the monthly payment be for 889 CALICO SCALLOP STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,977/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 889 CALICO SCALLOP STREET?+
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 889 CALICO SCALLOP STREET?+
The most recent tax bill on record (2025) was $7,456. 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 889 CALICO SCALLOP 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 $345,000, this home is listed about 1% below the Ruskin median of $349,700. The market section on this page shows how the area is trending.
Which schools are assigned to 889 CALICO SCALLOP 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 KELLER WILLIAMS SOUTH SHORE · Rose Alexander. MLS #TB8499774.
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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