401 13th St SW, Ruskin, FL 33570 Property Records

Hillsborough County property record for 401 13th St SW, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 1980
Lot Size	0.253 acres (11,035 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Oct 2013)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2022 Second Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`056660-2068`

Property Details

APN / Parcel Number

Primary APN	`056660-2068`
Alternative APN	`U0732191VF000003000340`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	2,812 sqft
1st Floor Area	1,560 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,035 sqft (0.253 acres)
Lot Dimensions	142 ft deep x 75 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Florida Room
Porch Area	644 sqft
Deck Area	Deck Area
Patio Area	1,044 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0566602068
Street Address	401 13TH ST SW
City	RUSKIN
State	FL
Zip	33570-4187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-6
Legal Description	SABLE COVE UNIT NO 2 LOT 34 BLOCK 3
Legal Range	19E
Legal Township	32S
Legal Section	07
Legal Subdivision	SABLE COVE UNIT NO 2
Legal Tract	1VF
Legal Block	3
Legal Lot Number	34
Legal Unit	2
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	3
Census Block	3016
Census Tract	14108

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	Individual Name on Record
Mailing Address	401 13TH ST SW, RUSKIN, FL 33570-4187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jun 14, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage HOMETAP INVESTMENT PARTNERS III SPV
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 24, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2013 · Amount on Record
Deed Sale	Oct 29, 2013 · Amount on Record
Prior Sale	Sep 21, 2001 · Amount on Record
Deed Document Number	2013411332
Deed Book / Page	22230 / 1740
Last Transfer Date	May 31, 2022
Transfer Doc	0000299981
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	401 13TH ST SW, RUSKIN, FL 33570-4187
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 13TH ST SW, RUSKIN, FL 33570-4187

Mortgage

Document Number	0000033275
Date	Jan 28, 2026
Instrument	2026033275

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 14, 2022
Property Address	401 13TH ST SW, RUSKIN, FL 33570-4187
Document Number	0000299981
Map Reference	MB 44 PG 25
Instrument Date	May 31, 2022
Instrument	2022299981
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 13TH ST SW, 401, RUSKIN, FL 33570-4187

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 13TH ST SW, RUSKIN, FL 33570-4187

Mortgage

Document Number	0000299982
Date	Jun 14, 2022
Instrument	2022299982

Lender

Name	HOMETAP INVESTMENT PARTNERS III SPV
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	401 13TH ST SW, RUSKIN, FL 33570-4187
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 13TH ST SW, RUSKIN, FL 33570-4187

Mortgage

Document Number	0000424153
Date	Aug 20, 2021
Instrument	2021424153

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	401 13TH ST SW, RUSKIN, FL 33570-4187
Document Number	0259840972
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 13TH ST SW RUSKIN FL 335704187, RUSKIN, FL 33570-4187

Mortgage

Document Number	0259840972
Date	Aug 13, 2018
Book Page	025984/000972
Instrument	322887

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 12, 2043

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		$257,164 (+141.01%)	$469,761 (+140.5%) Land $154,500 Building $315,261
2025	$1,842.00 (-55.23%) Homeowner's exemption	$106,704 (-56.26%)	$195,326 (-55.83%) Land $154,500 Building $40,826
2023	$4,114.00 (+5.16%) Homeowner's exemption	$243,957 (+3%)	$442,254 (+14%) Land $135,188 Building $307,066
2022	$3,912.00 Homeowner's exemption	$236,851	$387,929 Land $115,875 Building $272,054

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 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	113 (1982–2024)
Claims Outside the SFHA	4 of 113
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 60 claims Tropical Storm Josephine, Oct 1996 · 11 claims Hurricane Elena, Sep 1985 · 7 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	CHULAVISTA LANDINGS private · serves 380 people · EPA ID FL6290298
Water Source	Groundwater
Last State Inspection	Jul 2023
Also Mapped Here	HCWRD/SOUTH-CENTRAL
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 283 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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