3523 W Shell Point Rd, Ruskin, FL 33570 Property Records

Hillsborough County property record for 3523 W Shell Point Rd, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,444 sqft · built 2008
Lot Size	0.283 acres (12,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Mar 2026)
Tax Bill	$20,911 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`031696-0000`

Property Details

APN / Parcel Number

Primary APN	`031696-0000`
Alternative APN	`U02321818T000000000150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	3,444 sqft Living Area
Gross Area	7,667 sqft
1st Floor Area	2,432 sqft
Upper Floors Area	1,012 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,332 sqft (0.283 acres)
Lot Dimensions	206 ft deep x 62 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	2,621 sqft
Parking Spaces	8 Parking Spaces
Porch	Open Porch
Porch Area	842 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0316960000
Street Address	3523 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 15
Legal Range	18E
Legal Township	32S
Legal Section	02
Legal Subdivision	SHELL POINT 1ST ADDITION TO
Legal Tract	18T
Legal Lot Number	15
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 3, 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	3523 W SHELL POINT RD, RUSKIN, FL 33570-3034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
May 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	May 24, 2021 · Amount on Record
Deed Document Number	202698718
Prior Transfer Date	May 12, 2015
Prior Transfer Doc	0000186507
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 13, 2026
Property Address	3523 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	0000098718
Map Reference	MB 32 PG 91
Instrument Date	Jan 30, 2026
Instrument	2026098718
Transaction Type	Transfer
Record Updated	Apr 6, 2026
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1847 SHORE DR S # S617, S617, SOUTH PASADENA, FL 33707-4713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 W SHELL POINT RD, RUSKIN, FL 33570-3034

Mortgage

Document Number	0000098719
Date	Mar 13, 2026
Instrument	2026098719

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 24, 2021
Property Address	3523 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	2021259271
Map Reference	MB 32 PG 91
Instrument Date	Apr 13, 2021
Instrument	2021259271
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHAMPION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 APOLLO BEACH BLVD # BLVD286, 235, APOLLO BEACH, FL 33572-2251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47084 STILLWOOD PL, STERLING, VA 20165-7571

Mortgage

Document Number	2021259272
Date	May 24, 2021
Instrument	2021259272

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 24, 2021
Property Address	3523 W SHELL POINT RD, RUSKIN, FL 33570-3034
Document Number	0000259271
Map Reference	MB 32 PG 91
Instrument Date	Apr 13, 2021
Instrument	2021259271
Transaction Type	Transfer
Record Updated	Apr 6, 2026
Title Company	CHAMPION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 APOLLO BEACH BLVD, APOLLO BEACH, FL 33572-2251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47084 STILLWOOD PL, STERLING, VA 20165-7571

Mortgage

Document Number	0000259272
Date	May 24, 2021
Instrument	2021259272

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

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	$20,911.00 (+4.29%)	$1,113,004 (+3.9%) Land $185,845 Building $927,159	$1,113,004 (+3.9%) Land $185,845 Building $927,159
2024	$20,051.00 (+5.4%)
2023	$19,024.00 (+9.89%)	$1,071,255 (+11.11%) Land $168,950 Building $902,305	$1,071,255 (+11.11%) Land $168,950 Building $902,305
2022	$17,312.00	$964,124 Land $168,950 Building $795,174	$964,124 Land $168,950 Building $795,174

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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