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3520 W Shell Point Rd, Ruskin, FL 33570 Property Records

Hillsborough County property record for 3520 W Shell Point Rd, Ruskin, FL 33570 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,512 sqft · built 1966
Lot Size0.213 acres (9,300 sqft)
Owner2 Owner Names on File
Tax Bill$3,113 (2025)
Deeds & MortgagesDec 2017 Mortgage
Oct 2019 Line of Credit
+ 1 more
Flood ZoneZone AE (high risk)
APN0316760000

Property Details

APN / Parcel Number

Primary APN0316760000
Alternative APN
  • U02321818S000000000200

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms2 Rooms
Stories1 Story
Building Area1,512 sqft Heated Area
1st Floor Area1,320 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1995
Architectural StyleOther
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area9,300 sqft (0.213 acres)
Lot Dimensions155 ft deep x 60 ft wide

Exterior Amenities

Pool House350 sqft
PorchEnclosed Porch
Porch Area512 sqft
Shed1 Shed
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Account Number0316760000
Street Address3520 W SHELL POINT RD
CityRUSKIN
StateFL
Zip33570-3033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSHELL POINT SUBDIVISION LOT 20
Legal Range18E
Legal Township32S
Legal Section02
Legal SubdivisionSHELL POINT SUBDIVISION
Legal Lot Number20
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionRUSKIN
Census Block Group2
Census Block2035
Census Tract14121

Owner

Source: Hillsborough County records · APN 0316760000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Owner Names on File
Mailing Address3520 W SHELL POINT RD, RUSKIN, FL 33570-3033
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Dec 01, 2017Deed of Trust, Mortgage · Conventional Mortgage
FRANKLIN AMERICAN MORTGAGE CO
Oct 10, 2019Deed of Trust, Mortgage · Line of Credit
SYNOVUS BANK
Sep 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
BAYSHORE MTG FNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Prior SaleAug 26, 2014
Last Transfer DateOct 20, 2014
Transfer Doc0228650554
Record UpdatedJun 08, 2026

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3520 W SHELL POINT RD, RUSKIN, FL 33570-3090
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0253970608
DateDec 01, 2017
Book Page25397/0608
Instrument2017462536
Lender
NameFRANKLIN AMERICAN MORTGAGE CO
TypeMortgage Company
AddressPITTSBURGH, PA 15220
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2047

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3520 W SHELL POINT RD, RUSKIN, FL 33570-3090
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3520 W SHELL POINT RD, RUSKIN, FL 33570-3090

Mortgage

Document Number0270180568
DateOct 10, 2019
Book Page27018/0568
Instrument2019436936
Lender
NameSYNOVUS BANK
TypeBank
AddressCOLUMBUS, GA 31901
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3520 W SHELL POINT RD, RUSKIN, FL 33570-3090
Document Number0000387099
Instrument DateSep 01, 2020
Transaction TypeMortgage
Record UpdatedOct 20, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3520 W SHELL POINT RD RUSKIN FL 335703090, RUSKIN, FL 33570-3090

Mortgage

Document Number0000387099
DateSep 21, 2020
Instrument387099
Lender
NameBAYSHORE MTG FNDG
TypeMortgage Company
AddressLUTHERVILLE TIMONIUM, MD 21093
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 20, 2050

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,113.00 (-23.1%) Homeowner's exemption$207,651 (-23.12%)$379,471 (-22.03%) Land $362,250 Building $17,221
2023$4,048.00 (+2.92%) Homeowner's exemption$270,094 (+3%)$486,719 (+0.87%) Land $330,750 Building $155,969
2022$3,933.00 Homeowner's exemption$262,227$482,517 Land $315,000 Building $167,517

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570141212, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 872 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,051 units insured
179 under condo master policies
Nearby Flood Claims223 (1993–2025)
Claims Outside the SFHA1 of 223
Most Recent ClaimNov 2025, rainfall accumulation
Claims By Storm
  • Hurricane Milton, Oct 2024 · 5 claims
  • Hurricane Helene, Sep 2024 · 207 claims
  • Hurricane Idalia, Aug 2023 · 5 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 57 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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