Hillsborough County property record for 1820 Atlantic Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,658 sqft · built 2011 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $146,000 (Dec 2011) |
| Tax Bill | $2,109 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055400-0284 |
| Primary APN | 055400-0284 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,658 sqft Living Area |
| Gross Area | 2,254 sqft |
| 1st Floor Area | 1,658 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 | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 155 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0554000284 |
|---|---|
| Street Address | 1820 ATLANTIC DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-4912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | WELLINGTON SOUTH AT BAY PARK LOT 40 BLOCK 3 |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 04 |
| Legal Subdivision | WELLINGTON SOUTH AT BAY PARK |
| Legal Tract | 85J |
| Legal Block | 3 |
| Legal Lot Number | 40 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 14122 |
1820 Atlantic Dr is owned and occupied by two individuals who bought it in December 2011.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1820 ATLANTIC DR, RUSKIN, FL 33570-4912 |
| 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 |
|---|---|
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 18, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 16, 2019 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2011 · Amount on File |
| Deed Sale | Dec 12, 2011 · Amount on File |
| Prior Sale | Jul 22, 2011 · Amount on File |
| Deed Document Number | 2011401832 |
| Deed Book / Page | 20851 / 428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 1820 ATLANTIC DR, RUSKIN, FL 33570-4912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1820 ATLANTIC DR, RUSKIN, FL 33570-4912 |
| Document Number | 0000012830 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 2023012830 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 1820 ATLANTIC DR, RUSKIN, FL 33570-4912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1820 ATLANTIC DR, RUSKIN, FL 33570-4912 |
| Document Number | 0000031411 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 2022031411 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 1820 ATLANTIC DR, RUSKIN, FL 33570-4912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0264680989 |
|---|---|
| Date | Mar 16, 2019 |
| Book Page | 26468/0989 |
| Instrument | 2019109918 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 1820 Atlantic Dr was $2,109 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 | $113,421 (+2.7%) | $234,455 (-6.17%) Land $74,192 Building $160,263 | |
| 2025 | $2,109.00 Homeowner's exemption Veteran's exemption | $110,439 | $249,880 Land $87,095 Building $162,785 |
| 2023 | $1,891.00 (+8.12%) Homeowner's exemption Veteran's exemption | $104,201 (+3%) | $251,418 (+15.89%) Land $83,870 Building $167,548 |
| 2022 | $1,749.00 Homeowner's exemption Veteran's exemption | $101,166 | $216,942 Land $58,064 Building $158,878 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1820 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 1820 Atlantic Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond 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 271 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 |
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