2041 Lost River Trl, Ruskin, FL 33570 Property Records

Hillsborough County property record for 2041 Lost River Trl, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,476 sqft · built 2019
Lot Size	1.1 acres (48,012 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,000 (Apr 2019)
Tax Bill	$5,212 (2025)
Deeds & Mortgages	Aug 2019 Construction Loan Mar 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032685-0094`

Property Details

APN / Parcel Number

Primary APN	`032685-0094`
Alternative APN	`U14321890O000005000220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,476 sqft Living Area
Gross Area	3,785 sqft
1st Floor Area	2,476 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	48,012 sqft
Lot Dimensions	219 ft deep x 191 ft wide
Garage Type	Attached
Garage Area	724 sqft
Porch	Open Porch
Porch Area	585 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0326850094
Street Address	2041 LOST RIVER TRL
City	RUSKIN
State	FL
Zip	33570-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOST RIVER PRESERVE PHASE 2 LOT 22 BLOCK 5
Legal Range	18E
Legal Township	32S
Legal Section	14
Legal Subdivision	LOST RIVER PRESERVE PHASE 2
Legal Phase	2
Legal Tract	90O
Legal Block	5
Legal Lot Number	22
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1022
Census Tract	14104

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2041 LOST RIVER TRL, RUSKIN, FL 33570-2614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2019	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Mar 26, 2020	Loan Modification, Mortgage HANCOCK WHITNEY BK
Apr 23, 2019	Warranty Deed, Transfer HILLSBOROUGH TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2019 · Amount on Record
Deed Sale	Apr 23, 2019 · Amount on Record
Prior Sale	Jan 8, 2016 · Amount on Record
Deed Document Number	2019166987
Deed Book / Page	26558 / 1895
Prior Transfer Date	Jul 26, 2007
Prior Transfer Doc	0000365870
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2041 LOST RIVER TRL, RUSKIN, FL 33570-2614
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0268851906
Date	Aug 21, 2019
Book Page	26885/1906
Instrument	2019360163

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HILLSBOROUGH FL
Property Address	2041 LOST RIVER TRL, RUSKIN, FL 33570-2614
Document Number	0000157708
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2041 LOST RIVER TRL RUSKIN FL 335702614, RUSKIN, FL 33570-2614

Mortgage

Document Number	0000157708
Date	Apr 13, 2020
Instrument	157708

Lender

Name	HANCOCK WHITNEY BK
Address	NEW ORLEANS, LA 70122

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 23, 2019
Property Address	2041 LOST RIVER TRL, RUSKIN, FL 33570-2614
Document Number	0265581895
Book / Page	026558 / 001895
Instrument Date	Apr 11, 2019
Instrument	166987
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Tax	$574.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 N BRYAN CIR BRANDON FL 335116031, BRANDON, FL 33511-6031

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		$300,024 (+2.7%)	$572,349 (-3.96%) Land $193,355 Building $378,994
2025	$5,212.00 (+12.62%) Homeowner's exemption	$292,136 (+5.99%)	$595,952 (+2.36%) Land $193,355 Building $402,597
2023	$4,628.00 (+4.63%) Homeowner's exemption	$275,634 (+3%)	$582,232 (+13.08%) Land $174,030 Building $408,202
2022	$4,423.00 Homeowner's exemption	$267,606	$514,864 Land $154,705 Building $360,159

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 139 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	139 in force
Nearby Flood Claims	189 (1982–2026)
Claims Outside the SFHA	10 of 189
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Helene, Sep 2024 · 80 claims Tropical Storm Josephine, Oct 1996 · 20 claims Hurricane Elena, Sep 1985 · 19 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	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20

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