2105 Lost River Trl, Ruskin, FL 33570 Property Records

Hillsborough County property record for 2105 Lost River Trl, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,225 sqft · built 2023
Lot Size	1.63 acres (71,309 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2022)
Tax Bill	$12,455 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032685-0096`

Property Details

APN / Parcel Number

Primary APN	`032685-0096`
Alternative APN	`U14321890O000005000230`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,225 sqft Living Area
Gross Area	4,764 sqft
1st Floor Area	3,225 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	71,309 sqft
Lot Dimensions	303 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	774 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0326850096
Street Address	2105 LOST RIVER TRL
City	RUSKIN
State	FL
Zip	33570-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LOST RIVER PRESERVE PHASE 2 LOT 23 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	23
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1022
Census Tract	14104

Owner

2105 Lost River Trl is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2105 LOST RIVER TRL, RUSKIN, FL 33570-2608
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK
Aug 8, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU
Jun 18, 2020	Warranty Deed, Transfer · Conventional Mortgage GTE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2022 · Amount on File
Deed Sale	Aug 8, 2022 · Amount on File
Prior Sale	Jun 18, 2020 · Amount on File
Deed Document Number	2022388420
Prior Transfer Date	Aug 7, 2015
Prior Transfer Doc	0000307357
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2105 LOST RIVER TRL, RUSKIN, FL 33570-2608
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	HILLSBOROUGH TITLE INC, HILLSBOROUGH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11984 NEAL RD, LITHIA, FL 33547-1902
Investor	Possibly a Property Investor

Mortgage

Document Number	0000505843
Date	Oct 24, 2022
Instrument	2022505843

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.62%
Index	Other
Max Rate	9.62%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Aug 8, 2022
Property Address	2105 LOST RIVER TRL, RUSKIN, FL 33570-2608
Document Number	0000388420
Map Reference	MB 108 PG 20-32
Instrument Date	Aug 5, 2022
Instrument	2022388420
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4326 HOLLOW STUMP RUN, PALMETTO, FL 34221-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5206 ALAFIA FALLS DR, LITHIA, FL 33547-4320
Investor	Possibly a Property Investor

Mortgage

Document Number	0000388421
Date	Aug 8, 2022
Instrument	2022388421

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Sep 1, 2027

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 18, 2020
Property Address	2105 LOST RIVER TRL, RUSKIN, FL 33570-2608
Document Number	0000252038
Map Reference	MB 108 PG 20-32
Instrument Date	Jun 11, 2020
Instrument	2020252038
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	808 ARDENNES CT, 808, SHREVEPORT, LA 71115-4613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 ARDENNES CT, SHREVEPORT, LA 71115-4613

Mortgage

Document Number	0000252039
Date	Jun 18, 2020
Instrument	2020252039

Lender

Name	GTE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Margin	2
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 2105 Lost River Trl was $12,455 with a homeowner's exemption.

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		$707,583 (+2.7%)	$744,090 (-4.16%) Land $176,145 Building $567,945
2025	$12,455.00 Homeowner's exemption	$688,981	$776,361 Land $176,145 Building $600,216
2023	$2,757.00 (+47.12%)	$158,587 (+12.45%) Land $158,587	$158,587 (+12.45%) Land $158,587
2022	$1,874.00	$141,033 Land $141,033	$141,033 Land $141,033

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2105 Lost River Trl in Zone X, an area of minimal flood risk, though there have been 189 flood claims nearby since 1982.

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 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

Wildfire risk around 2105 Lost River Trl is moderate, ranking above 64% of the US, with a 0.1% annual chance of 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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