1040 Seagrape Dr, Ruskin, FL 33570 Property Records

Hillsborough County property record for 1040 Seagrape Dr, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,913 sqft · built 2022
Lot Size	0.176 acres (7,657 sqft)
Owner	Individual Name on Record
Last Sale	$996,400 (Dec 2022)
Tax Bill	$17,267 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`031581-1114`

Property Details

APN / Parcel Number

Primary APN	`031581-1114`
Alternative APN	`U013218C6T000001000970`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,913 sqft Living Area
Gross Area	4,130 sqft
1st Floor Area	1,789 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	7,657 sqft (0.176 acres)
Lot Dimensions	105 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	517 sqft
Porch	Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0315811114
Street Address	1040 SEAGRAPE DR
City	RUSKIN
State	FL
Zip	33570-3048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	ANTIGUA COVE PHASE 3A LOT 97 BLOCK 1
Legal Subdivision	ANTIGUA COVE PHASE 3A
Legal Block	1
Legal Lot Number	97
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	2
Census Block	2043
Census Tract	14121

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 23, 2023	Correction Deed LENNAR TITLE INC
Dec 20, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	2022594192
Last Transfer Date	Feb 23, 2023
Transfer Doc	0000075270
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Recording Date	Sep 8, 2026
Property Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048
Document Number	0000349487
Instrument Date	Aug 31, 2026
Instrument	2026349487
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048

Mortgage

Document Number	0000349487,
Date	Sep 8, 2026
Instrument	2026349487

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 23, 2023
Property Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048
Document Number	0000075270
Map Reference	MB 141 PG 130
Instrument Date	Feb 23, 2023
Instrument	2023075270
Record Updated	Jan 30, 2024
Title Company	LENNAR TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 NW 107TH AVE # AVE400, AVE400, MIAMI, FL 33172-3161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Dec 20, 2022
Property Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048
Document Number	0000594192
Map Reference	MB 141 PG 130
Instrument Date	Nov 29, 2022
Instrument	2022594192
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 30, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,974.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4600 W CYPRESS ST STE 200, 200, TAMPA, FL 33607-4099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SEAGRAPE DR, RUSKIN, FL 33570-3048

Mortgage

Document Number	0000594193
Date	Dec 20, 2022
Instrument	2022594193

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	Other
Max Rate	10.7%

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		$670,424 (-4.33%) Land $286,769 Building $383,655	$670,424 (-4.33%) Land $286,769 Building $383,655
2025	$17,267.00 (+7.34%) Homeowner's exemption	$700,767 (+2.54%) Land $286,769 Building $413,998	$700,767 (+2.54%) Land $286,769 Building $413,998
2024	$16,087.00 (-0.06%)
2023	$16,097.00 (+351.53%) Homeowner's exemption	$683,409 (+10,475.81%) Land $272,432 Building $410,977	$683,409 (+10,475.81%) Land $272,432 Building $410,977
2022	$3,565.00	$6,462 Land $6,462	$6,462 Land $6,462

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 872 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,051 units insured incl. 179 condo units
Nearby Flood Claims	223 (1993–2025)
Claims Outside the SFHA	1 of 223
Most Recent Claim	Nov 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Helene, Sep 2024 · 207 claims Hurricane Idalia, Aug 2023 · 5 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	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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