1012 Spindle Palm Way, Apollo Beach, FL 33572 Property Records

Hillsborough County property record for 1012 Spindle Palm Way, Apollo Beach, FL 33572

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,825 sqft · built 1975
Lot Size	0.207 acres (9,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Feb 2018)
Tax Bill	$647 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`052044-0014`

Property Details

APN / Parcel Number

Primary APN	`052044-0014`
Alternative APN	`U2131191SQ000060000060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,825 sqft Living Area
Gross Area	2,427 sqft
1st Floor Area	1,825 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,028 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 77 ft wide
View / Lot	Bay
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	252 sqft
Deck Area	195 sqft
Patio Area	480 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0520440014
Street Address	1012 SPINDLE PALM WAY
City	APOLLO BEACH
State	FL
Zip	33572-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-6
Legal Description	APOLLO BEACH UNIT 08 A RESUBDIVISION OF LOTS 1 THRU 113 OF BLOCK 60 OF 16,17,20,21-31-19 LOT 6 BLOCK 60
Legal Range	19E
Legal Township	31S
Legal Section	21
Legal Subdivision	APOLLO BEACH UNIT 08 A RESUBDIVISION OF
Legal Tract	1SQ
Legal Block	60
Legal Lot Number	6
Legal Unit	8
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1015
Census Tract	14117

Owner

Source: Hillsborough County records, as of September 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Oct 1, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 19, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Jun 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2018 · Amount on Record
Deed Sale	Feb 19, 2018 · Amount on Record
Prior Sale	Nov 26, 2013 · Amount on Record
Deed Document Number	201868123
Deed Book / Page	25569 / 273
Prior Transfer Date	Mar 4, 2010
Prior Transfer Doc	0000103260
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012

Mortgage

Document Number	0000383565
Date	Aug 28, 2023
Instrument	2023383565

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012

Mortgage

Document Number	0000404693
Date	Oct 1, 2020
Instrument	2020404693

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 19, 2018
Property Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012
Document Number	0255690273
Book / Page	025569 / 000273
Instrument Date	Feb 13, 2018
Instrument	68123
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	PARAMOUNT TITLE II

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1012 SPINDLE PALM WAY APOLLO BEACH FL 335722012, APOLLO BEACH, FL 33572-2012

Mortgage

Document Number	255690275
Date	Feb 19, 2018
Book Page	025569/000275
Instrument	68124

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1012 SPINDLE PALM WAY, APOLLO BEACH, FL 33572-2012
Document Number	0250180290
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 SPINDLE PALM WAY APOLLO BEACH FL 335722012, APOLLO BEACH, FL 33572-2012

Mortgage

Document Number	0250180290
Date	Jun 14, 2017
Book Page	025018/000290
Instrument	234377

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$412,706 (+2.7%)	$541,754 (-6.56%) Land $228,690 Building $313,064
2025	$647.00 (-89.99%) Disabled Person's exemption Veteran's exemption	$401,856 (+5.99%)	$579,783 (+3.8%) Land $228,690 Building $351,093
2023	$6,465.00 (+4.12%) Homeowner's exemption	$379,156 (+3%)	$558,568 (-1.34%) Land $209,632 Building $348,936
2022	$6,209.00 Homeowner's exemption	$368,113	$566,167 Land $190,575 Building $375,592

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 622 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	630 units insured incl. 8 condo units
Nearby Flood Claims	328 (1983–2025)
Most Recent Claim	Mar 2025 · other causes
Claims by Event	Hurricane Milton, Oct 2024 · 17 claims Hurricane Helene, Sep 2024 · 249 claims Hurricane Frances, Sep 2004 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HCWRD/SOUTH-CENTRAL serves 515,012 people · EPA ID FL6290787
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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