1609 Emerald Dunes Dr, Ruskin (Sun City Center), FL 33573 Property Records

Hillsborough County property record for 1609 Emerald Dunes Dr, Ruskin, FL 33573

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,348 sqft · built 2014
Lot Size	0.174 acres (7,575 sqft)
Owner	2 Individual Names on File
Last Sale	$384,500 (Mar 2021)
Tax Bill	$7,530 (2025)
Deeds & Mortgages	Jan 2026 Transfer Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`079640-5360`

Property Details

APN / Parcel Number

Primary APN	`079640-5360`
Alternative APN	`U1932209U0000002000070`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,348 sqft Living Area
Gross Area	3,528 sqft
1st Floor Area	2,348 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2020
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,575 sqft (0.174 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	562 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0796405360
Street Address	1609 EMERALD DUNES DR
City	SUN CITY CENTER
State	FL
Zip	33573-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-MU
Legal Description	SUN CITY CENTER SIENA 2A LOT 7 BLOCK 2
Legal Range	20E
Legal Township	32S
Legal Section	19
Legal Subdivision	SUN CITY CENTER SIENA 2A
Legal Block	2
Legal Lot Number	7
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1012
Census Tract	14017

Owner

1609 Emerald Dunes Dr is owned by two individuals who acquired it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4032A DOORSTONE DR, LATHAM, NY 12110-3709
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Intrafamily Transfer, Transfer
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Apr 30, 2014 · Amount on File
Deed Document Number	2021113882
Last Transfer Date	Jan 4, 2026
Transfer Doc	0000005195
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jan 6, 2026
Property Address	1609 EMERALD DUNES DR, RUSKIN, FL 33573-4434
Document Number	0000005195
Map Reference	MB 120 PG 269
Instrument Date	Jan 4, 2026
Instrument	2026005195
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1609 EMERALD DUNES DR, SUN CITY CENTER, FL 33573-4434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 EMERALD DUNES DR, SUN CITY CENTER, FL 33573-4434

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 8, 2021
Property Address	1609 EMERALD DUNES DR, RUSKIN, FL 33573-4434
Document Number	2021113882
Map Reference	MB 120 PG 269
Instrument Date	Feb 26, 2021
Instrument	2021113882
Transaction Type	Transfer
Record Updated	Mar 23, 2021
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,691.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1465 NARDEER ST, 1465, NOVI, MI 48374-1111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 EMERALD DUNES DR, SUN CITY CENTER, FL 33573-4434

Mortgage

Document Number	2021113883
Date	Mar 8, 2021
Instrument	2021113883

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 8, 2021
Property Address	1609 EMERALD DUNES DR, RUSKIN, FL 33573-4434
Document Number	0000113882
Map Reference	MB 120 PG 269
Instrument Date	Feb 26, 2021
Instrument	2021113882
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,691.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1465 NARDEER ST, 1465, NOVI, MI 48374-1111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 EMERALD DUNES DR, SUN CITY CENTER, FL 33573-4434

Mortgage

Document Number	0000113883
Date	Mar 8, 2021
Instrument	2021113883

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1609 Emerald Dunes Dr was $7,530.

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		$377,102 (-6.41%) Land $89,667 Building $287,435	$377,102 (-8.8%) Land $89,667 Building $287,435
2025	$7,530.00 Homeowner's exemption	$402,923	$413,476 Land $107,600 Building $305,876
2023	$6,742.00 (+3.79%) Homeowner's exemption	$380,163 (+3%)	$402,734 (+9.12%) Land $98,633 Building $304,101
2022	$6,496.00 Homeowner's exemption	$369,090 Land $85,184 Building $283,906	$369,090 Land $85,184 Building $283,906

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

Flood

FEMA maps place 1609 Emerald Dunes Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 128 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	128 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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

Wildfire risk around 1609 Emerald Dunes Dr is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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