One or more photo(s) has been virtually staged. Available now! This well-maintained 4 bedroom, 2 bathroom Hartford floor plan home in Ruskin is truly move-in ready and packed with added value. Located on a quiet street in the Shell Cove neighborhood, this property offers low HOA fees and a unique financial advantage—over $20,000 has already been paid toward the CDD revenue bond, a rare benefit not found in other homes in the community. The home is also elevated, so flood insurance is typically not required by lenders, and it sits within a USDA-eligible area, which may allow qualified buyers to purchase with 0% down. As you enter, the open floor plan and large windows throughout the living spaces bring in loads of natural daylight. The kitchen features ample granite counter space, beautiful dark cabinetry, a spacious pantry, stainless steel appliances, a water filtration system, and extended countertops perfect for additional barstool seating. The split-bedroom layout offers excellent privacy for family or guests. The primary bedroom comfortably fits a king-size bed and includes a huge walk-in closet and an en-suite bathroom with double sinks and a standalone shower. Across the family room are three sizeable secondary bedrooms and a guest bathroom. The laundry room is conveniently located near the garage entry, and the large two-car garage keeps your vehicles protected year-round. 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!