Hillsborough County property record for 1303 Cobia Cay Dr, Apollo Beach, FL 33572
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,678 sqft · built 1993 |
| Lot Size | 0.471 acres (20,509 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $887,500 (Mar 2023) |
| Tax Bill | $15,634 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Jan 2023 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 052091-1612 |
| Primary APN | 052091-1612 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,678 sqft Living Area |
| Gross Area | 4,168 sqft |
| 1st Floor Area | 2,678 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 20,509 sqft (0.471 acres) |
| Lot Dimensions | 214 ft deep x 81 ft wide |
| View / Lot | Bay |
| Garage Type | Attached |
| Garage Area | 858 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 392 sqft |
| Porch | Open Porch |
| Porch Area | 632 sqft |
| Deck Area | 112 sqft |
| Patio Area | 112 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0520911612 |
|---|---|
| Street Address | 1303 COBIA CAY DR |
| City | APOLLO BEACH |
| State | FL |
| Zip | 33572-3034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | COBIA CAY LOT 56 |
| Legal Range | 19E |
| Legal Township | 31S |
| Legal Section | 17 |
| Legal Subdivision | COBIA CAY |
| Legal Tract | 1T1 |
| Legal Lot Number | 56 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 14117 |
1303 Cobia Cay Dr is owner-occupied and held in a trust since March 2023.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 9, 2023 | Warranty Deed, Transfer MAGNOLIA TITLE |
| Jan 5, 2023 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RAILROAD & INDUSTRIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2023 · Amount on File |
| Deed Sale | Mar 9, 2023 · Amount on File |
| Prior Sale | Jun 7, 2012 · Amount on File |
| Deed Document Number | 202399405 |
| Prior Transfer Date | Jan 5, 2023 |
| Prior Transfer Doc | 0000005765 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 9, 2023 |
| Property Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Document Number | 0000099405 |
| Map Reference | MB 53 PG 20 |
| Instrument Date | Mar 9, 2023 |
| Instrument | 2023099405 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | MAGNOLIA TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $6,212.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2749 LAKEVIEW POINT RD, QUINCY, FL 32351-0502 |
| Name | Verified Name |
|---|---|
| Address | 6427 MAYRA SHORES LN, APOLLO BEACH, FL 33572-3074 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 5, 2023 |
| Property Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Document Number | 0000005765 |
| Map Reference | MB 53 PG 20 |
| Instrument Date | Jan 5, 2023 |
| Instrument | 2023005765 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Name | Verified Name |
|---|---|
| Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1303 COBIA CAY DR, APOLLO BEACH, FL 33572-3034 |
| Document Number | 2021365195 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021365195 |
| Name | RAILROAD & INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 1303 Cobia Cay Dr was $15,634 with a homeowner's exemption, up 5% from the year before.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $777,701 (-5%) Land $267,300 Building $510,401 | $777,701 (-5%) Land $267,300 Building $510,401 | |
| 2025 | $15,634.00 (+5.04%) | $818,622 Land $267,300 Building $551,322 | $818,622 Land $267,300 Building $551,322 |
| 2024 | $14,884.00 (+95.76%) | ||
| 2023 | $7,603.00 (+4.35%) Homeowner's exemption | $441,952 (+3%) | $817,805 (+12.12%) Land $245,025 Building $572,780 |
| 2022 | $7,286.00 Homeowner's exemption | $429,080 | $729,397 Land $222,750 Building $506,647 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1303 Cobia Cay Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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.
The area around 1303 Cobia Cay Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 133 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 |
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