3503 W Shell Point Rd, Ruskin, FL 33570 Property Records

Hillsborough County property record for 3503 W Shell Point Rd, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,497 sqft · built 1959
Lot Size	0.189 acres (8,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Apr 2021)
Tax Bill	$597 (2025)
Deeds & Mortgages	May 2023 Mortgage Jun 2022 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`031703-0000`

Property Details

APN / Parcel Number

Primary APN	`031703-0000`
Alternative APN	`U11321818T000000000200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,497 sqft Living Area
Gross Area	2,728 sqft
1st Floor Area	1,497 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2005
Architectural Style	Mansion
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,236 sqft (0.189 acres)
Lot Dimensions	124 ft deep x 59 ft wide
View / Lot	Waterfront
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened Porch
Porch Area	1,031 sqft
Patio Area	96 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0317030000
Street Address	3503 W SHELL POINT RD
City	RUSKIN
State	FL
Zip	33570-3034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	SHELL POINT 1ST ADDITION TO LOT 20 AND PART OF LOT 21 DESC AS FROM MOST NLY COR OF SD LOT 21 RUN S 44 DEG 07 MIN 15 SEC E ALG ELY BDRY OF SD LOT 21 111.90 FT TO SE COR OF SD LOT 21 THN N 51 DEG 32 MIN 55 SEC W 113.36 FT TO PT ON NWLY BDRY OF SD LOT 2
Legal Range	18E
Legal Township	32S
Legal Section	11
Legal Subdivision	SHELL POINT 1ST ADDITION TO
Legal Tract	18T
Legal Lot Number	20
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	2
Census Block	2036
Census Tract	14121

Owner

Source: Hillsborough County records, as of April 21, 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	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Jun 1, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Apr 5, 2021	Warranty Deed, Transfer · VA Mortgage NATIONS LENDING CORP
Apr 5, 2021	Warranty Deed, Transfer · VA Mortgage NATIONS LENDING CORP
May 1, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jun 27, 2018	Warranty Deed, Transfer HILLSBOROUGH TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	2021165270
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034

Mortgage

Document Number	0000220907
Date	May 23, 2023
Instrument	2023220907

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Transaction Type	Mortgage
Record Updated	Jun 17, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034

Mortgage

Document Number	0000277477
Date	Jun 1, 2022
Instrument	2022277477

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 5, 2021
Property Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	2021165270
Map Reference	MB 32 PG 91
Instrument Date	Mar 23, 2021
Instrument	2021165270
Transaction Type	Transfer
Record Updated	Apr 21, 2021
Title Company	FLAGSHIP TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26615 WESLEY CHAPEL BLVD # 3, 26615, LUTZ, FL 33559-7212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034

Mortgage

Document Number	2021165271
Date	Apr 5, 2021
Instrument	2021165271

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 5, 2021
Property Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	0000165270
Map Reference	MB 32 PG 91
Instrument Date	Mar 23, 2021
Instrument	2021165270
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FLAGSHIP TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26615 WESLEY CHAPEL BLVD # 3, 26615, LUTZ, FL 33559-7212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034

Mortgage

Document Number	0000165271
Date	Apr 5, 2021
Instrument	2021165271

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 1, 2019
Property Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	0265900309
Book / Page	026590 / 000309
Instrument Date	Jan 1, 2019
Instrument	185191
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 7078 WESLEY CHAPEL FL 335450100, WESLEY CHAPEL, FL 33545-0100

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 27, 2018
Property Address	3503 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	0258740684
Book / Page	025874 / 000684
Instrument Date	Jun 22, 2018
Instrument	256615
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	22615 WESLEY CHAPEL BLVD #4 LUTZ FL 33559, 4, LUTZ, FL 33559

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of January 21, 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
2025	$597.00 (+5.85%) Disabled Person's exemption Veteran's exemption	$367,907 (+5.99%)	$370,537 (+6.74%) Land $160,628 Building $209,909
2024	$564.00 (-90.32%)
2023	$5,826.00 (+0.5%) Homeowner's exemption	$347,124 (-0.4%) Land $146,025 Building $201,099	$347,124 (-3.95%) Land $146,025 Building $201,099
2022	$5,797.00 Homeowner's exemption	$348,523	$361,416 Land $146,025 Building $215,391

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 872 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,051 units insured incl. 179 condo units
Nearby Flood Claims	223 (1993–2025)
Claims Outside the SFHA	1 of 223
Most Recent Claim	Nov 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Helene, Sep 2024 · 207 claims Hurricane Idalia, Aug 2023 · 5 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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TAMPA SUN ESTATES #5 private · serves 87 people · EPA ID FL6291037
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	HCWRD/SOUTH-CENTRAL
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier.

Cell Coverage

5G and 4G LTE (outdoors only)

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