126 3rd Ave SW, Ruskin, FL 33570 Property Records

Hillsborough County property record for 126 3rd Ave SW, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1958
Lot Size	0.257 acres (11,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Apr 2018)
Tax Bill	$4,107 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`056232-0000`

Property Details

APN / Parcel Number

Primary APN	`056232-0000`
Alternative APN	`U0732191V5000000004001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	1,304 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,194 sqft (0.257 acres)
Lot Dimensions	98 ft deep x 117 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened Porch
Porch Area	648 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0562320000
Street Address	126 3RD AVE SW
City	RUSKIN
State	FL
Zip	33570-4607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-6
Legal Description	RUSKIN CITY MAP OF THAT PART OF A P DICKMAN TRACT DESC AS BEG 60 FT S OF SW COR OF LOT 400 RUSKIN CITY SUB 5-75 AND RUN N 46 DEG 50 MIN W 117.90 FT S 58 DEG 05 MIN 50 SEC W 104 FT TO WATERS EDGE SELY ALONG WATERS EDGE TO PT BRG S 60 DEG 27 MIN W FROM
Legal Range	19E
Legal Township	32S
Legal Section	07
Legal Subdivision	RUSKIN CITY MAP OF
Legal Tract	1V5
Legal Lot Number	400
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1026
Census Tract	14108

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	2 Individual Names on Record
Mailing Address	126 3RD AVE SW, RUSKIN, FL 33570-4607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 13, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2018 · Amount on Record
Deed Sale	Apr 13, 2018 · Amount on Record
Prior Sale	Dec 3, 2014 · Amount on Record
Deed Document Number	2018144616
Deed Book / Page	25689 / 1935
Prior Transfer Date	Aug 10, 2010
Prior Transfer Doc	0000287839
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	126 3RD AVE SW, RUSKIN, FL 33570-4607
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 3RD AVE SW, RUSKIN, FL 33570-4607

Mortgage

Document Number	0000502623
Date	Nov 26, 2025
Instrument	2025502623

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	376 Months
Due	Mar 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	5.74%
Type Change Date	Mar 1, 2034
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	1-Year T-Bill
Max Rate	10.7%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	126 3RD AVE SW, RUSKIN, FL 33570-4607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0269360453
Date	Sep 9, 2019
Book Page	26936/0453
Instrument	2019389471

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 13, 2018
Property Address	126 3RD AVE SW, RUSKIN, FL 33570-4607
Document Number	0000144616
Book / Page	25689 / 1935
Instrument Date	Mar 23, 2018
Instrument	2018144616
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1505 N LAKE RD, 1505, LAKESIDE, OR 97449-9669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 3RD AVE SW, RUSKIN, FL 33570-4607

Mortgage

Document Number	0000144617
Date	Apr 13, 2018
Instrument	2018144617

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$240,437 (+2.7%)	$386,548 (-0.72%) Land $207,020 Building $179,528
2025	$4,107.00 (+13.14%) Homeowner's exemption	$234,116 (+5.99%)	$389,341 (+10.46%) Land $207,020 Building $182,321
2023	$3,630.00 (+5.22%) Homeowner's exemption	$220,891 (+3%)	$352,480 (+0.67%) Land $181,142 Building $171,338
2022	$3,450.00 Homeowner's exemption	$214,457	$350,134 Land $155,265 Building $194,869

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 249 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	445 (1980–2024)
Claims Outside the SFHA	5 of 445
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 204 claims Tropical Storm Josephine, Oct 1996 · 52 claims Hurricane Elena, Sep 1985 · 36 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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	RIVIERA MHP private · serves 39 people · EPA ID FL6291524
Water Source	Groundwater
Last State Inspection	May 2024
Also Mapped Here	HCWRD/SOUTH-CENTRAL
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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