Hillsborough County property record for 1809 Atlantic Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,525 sqft · built 2011 |
| Lot Size | 0.178 acres (7,771 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Aug 2011) |
| Tax Bill | $2,496 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055400-0152 |
| Primary APN | 055400-0152 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,525 sqft Living Area |
| Gross Area | 2,098 sqft |
| 1st Floor Area | 1,525 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,771 sqft (0.178 acres) |
| Lot Dimensions | 106 ft deep x 77.2 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0554000152 |
|---|---|
| Street Address | 1809 ATLANTIC DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-4908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | WELLINGTON SOUTH AT BAY PARK LOT 26 BLOCK 1 |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 04 |
| Legal Subdivision | WELLINGTON SOUTH AT BAY PARK |
| Legal Tract | 85J |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 14122 |
1809 Atlantic Dr is owned and occupied by two individuals who acquired it in September 2011.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1809 ATLANTIC DR, RUSKIN, FL 33570-4908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2011 · Amount on File |
| Deed Sale | Aug 19, 2011 · Amount on File |
| Deed Document Number | 2011270855 |
| Deed Book / Page | 20664 / 1715 |
| Last Transfer Date | Sep 16, 2011 |
| Transfer Doc | 0207460721 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 1809 ATLANTIC DR, RUSKIN, FL 33570-4908 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1809 ATLANTIC DR, RUSKIN, FL 33570-4908 |
| Investor | Possibly a Property Investor |
| Document Number | 0000157244 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 2023157244 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 1809 ATLANTIC DR, RUSKIN, FL 33570-4908 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1809 ATLANTIC DR, RUSKIN, FL 33570-4908 |
| Document Number | 0000088735 |
|---|---|
| Date | Feb 17, 2022 |
| Instrument | 2022088735 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 242 Months |
| Due | Apr 1, 2042 |
The 2025 property tax bill for 1809 Atlantic Dr was $2,496 with a homeowner's exemption.
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 | $129,574 (+2.7%) | $244,140 (-7.02%) Land $92,165 Building $151,975 | |
| 2025 | $2,496.00 Homeowner's exemption | $126,167 | $262,570 Land $108,194 Building $154,376 |
| 2023 | $2,248.00 (+7.1%) Homeowner's exemption | $119,040 (+3%) | $263,091 (+17.83%) Land $104,186 Building $158,905 |
| 2022 | $2,099.00 Homeowner's exemption | $115,573 | $223,273 Land $72,129 Building $151,144 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1809 Atlantic Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 1809 Atlantic Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 595 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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