2631 Manatee Harbor Dr, Ruskin, FL 33570 Property Records

Hillsborough County property record for 2631 Manatee Harbor Dr, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,115 sqft · built 1997
Lot Size	0.276 acres (12,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$767,500 (Feb 2026)
Tax Bill	$9,487 (2025)
Deeds & Mortgages	Feb 2026 Sale Feb 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`032250-0000`

Property Details

APN / Parcel Number

Primary APN	`032250-0000`
Alternative APN	`U123218192A00000000060`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,115 sqft Living Area
Gross Area	6,747 sqft
1st Floor Area	1,683 sqft
2nd Floor Area	432 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,013 sqft (0.276 acres)
Lot Dimensions	155 ft deep x 79 ft wide
Garage Type	Carport
Garage Area	1,683 sqft
Carport	Carport
Carport Area	1,683 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	2,442 sqft
Patio Area	975 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0322500000
Street Address	2631 MANATEE HARBOR DR
City	RUSKIN
State	FL
Zip	33570-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-6
Legal Description	MANATEE HARBOR SUBDIVISION LOT 6 BLOCK A AND UND 1/23 INT IN LOT 16 BLOCK A
Legal Range	18E
Legal Township	32S
Legal Section	12
Legal Subdivision	MANATEE HARBOR SUBDIVISION
Legal Block	A
Legal Lot Number	6
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1015
Census Tract	14104

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2631 MANATEE HARBOR DR, RUSKIN, FL 33570-2834
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Warranty Deed, Transfer ALL HMS TITLE LLC, ALL IN TITLE LLC
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Dec 3, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	May 23, 2024 · Amount on Record
Deed Document Number	202661229
Prior Transfer Date	Sep 24, 2012
Prior Transfer Doc	0000405226
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 17, 2026
Property Address	2631 MANATEE HARBOR DR, RUSKIN, FL 33570-2834
Document Number	0000061229
Map Reference	MB 34 PG 1
Instrument Date	Feb 17, 2026
Instrument	2026061229
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	ALL HMS TITLE LLC, ALL IN TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,372.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3204 AMAYA CT, BRANDON, FL 33511-7406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2631 MANATEE HARBOR DR, RUSKIN, FL 33570-2834

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2631 MANATEE HARBOR DR, RUSKIN, FL 33570-2834
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2631 MANATEE HARBOR DR, RUSKIN, FL 33570-2834

Mortgage

Document Number	0000050152
Date	Feb 7, 2023
Instrument	2023050152

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Dec 25, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Dec 3, 2020
Property Address	2631 MANATEE HARBOR DR, RUSKIN, FL 33570-2834
Document Number	0000503446
Map Reference	MB 34 PG 1
Instrument Date	Nov 20, 2020
Instrument	2020503446
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6205 NEW TAMPA HWY, 6205, LAKELAND, FL 33815-3141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10411 PINE AVE, RIVERVIEW, FL 33578-5432

Mortgage

Document Number	0000503447
Date	Dec 3, 2020
Instrument	2020503447

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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		$582,469 (+10.65%) Land $182,490 Building $399,979	$582,469 (-1.71%) Land $182,490 Building $399,979
2025	$9,487.00 (+58.73%) Homeowner's exemption	$526,389 (+54.1%)	$592,622 (+10.84%) Land $182,490 Building $410,132
2024	$5,977.00 (+3.5%)
2023	$5,775.00 (+4.17%) Homeowner's exemption	$341,586 (+3%)	$534,659 (+12.59%) Land $141,015 Building $393,644
2022	$5,544.00 Homeowner's exemption	$331,637	$474,852 Land $124,425 Building $350,427

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 30 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

Cell Coverage

5G (outdoors only) and 4G LTE

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