838 OLIVE CONCH STREET, RUSKIN, FL, 33570
Active37 days on marketListed Jun 17, 2026MLS #TB8519917
About this home
838 OLIVE CONCH STREET
Virtually Staged. RENT A SOLAR-POWERED HOME and take control of your energy costs with an electric bill of just $20.00 - $25.00 a month. Your wallet and the planet will thank you. Inquire now and experience eco-friendly living without breaking the bank! This charming 3-bedroom, 2-bathroom home is neatly positioned in the serene neighborhood of Shell Cove. The property boasts a captivating water view and is perfect for families or anyone seeking a peaceful retreat. This home represents comfort and sustainability with its modern design, comprehensive amenities access, and energy-efficient solar panels. The property features a split bedroom plan and offers privacy within the home. Three bedrooms and a master suite that provides serene waterfront views, two bathrooms, and an attached 2-car garage provide ample space for vehicles and additional storage. Appliances include a washer, dryer, plus a water softener to ensure quality water throughout the home. This home is positioned for optimal enjoyment of the surrounding landscape. Renting in Shell Cove not only means enjoying a wonderful home but also having access to fantastic amenities that cater to all ages. Cabana, relax, or socialize with neighbors. Dog park: This is perfect for pet owners, offering a fun and free space for your dogs to play. Community pool, ideal for relaxation or exercise all year round. Tot lot and Basketball court, great for sports enthusiasts or casual players. This beautiful property is more than just a house; it’s a home ready for making memories. If you value comfort, sustainability, and a vibrant community lifestyle, this is the perfect place for you. If you love a great sunset, Bahia Beach is only 3 minutes away. Schedule an appointment today to see your future home and embrace a lifestyle of comfort and convenience at Shell Cove!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,451
Sqft
0.11 ac
Lot size
2
Garage
2020
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs SHELL COVE PH 1
$2 vs $166
Days on market
37 vs 51 typical
Where $2/sqft sits among the 13 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 13
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 99% below the RUSKIN 33570 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 838 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 · Aug ’25$287,000
1015 7TH AVENUE NW · same community
3 bd · 2 ba · 1,451 sqft · $198/sqft · 15 DOM
Sold · Sep ’25$282,500
1037 7TH AVENUE NW · same community
3 bd · 2 ba · 1,451 sqft · $195/sqft · 6 DOM
Sold · Jul ’25$278,000
588 OLIVE CONCH STREET · same community
3 bd · 2 ba · 1,516 sqft · $183/sqft · 81 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 838 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 838 OLIVE CONCH 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
838 OLIVE CONCH STREET FAQs
What would the monthly payment be for 838 OLIVE CONCH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 838 OLIVE CONCH STREET?+
The listing reports pets: Breed Restrictions. 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 $2,195, this home is listed about 99% below the Ruskin median of $349,850. The market section on this page shows how the area is trending.
Which schools are assigned to 838 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 HOMM REAL ESTATE SERVICES · John Ortiz. MLS #TB8519917.
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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