Hillsborough County property record for 403 Laguna Mill Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,626 sqft · built 2006 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Apr 2022) |
| Tax Bill | $4,334 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055400-0198 |
| Primary APN | 055400-0198 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,626 sqft Living Area |
| Gross Area | 2,082 sqft |
| 1st Floor Area | 1,626 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0554000198 |
|---|---|
| Street Address | 403 LAGUNA MILL DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-4940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | WELLINGTON SOUTH AT BAY PARK LOT 23 BLOCK 2 |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 04 |
| Legal Subdivision | WELLINGTON SOUTH AT BAY PARK |
| Legal Tract | 85J |
| Legal Block | 2 |
| Legal Lot Number | 23 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 14122 |
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 | 403 LAGUNA MILL DR, RUSKIN, FL 33570-4940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2022 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 13, 2021 | Warranty Deed, Transfer OS NATIONAL LLC |
| Oct 13, 2021 | Warranty Deed, Transfer OS NATIONAL LLC |
| May 2, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on Record |
| Deed Sale | Apr 1, 2022 · Amount on Record |
| Prior Sale | Oct 13, 2021 · Amount on Record |
| Deed Document Number | 2022170654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 403 LAGUNA MILL DR, RUSKIN, FL 33570-4940 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1260 CARLTON ARMS CIR D, D, BRADENTON, FL 34208-5033 |
| Document Number | 0000170655 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 2022170655 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 13, 2021 |
| Property Address | 403 LAGUNA MILL DR, RUSKIN, FL 33570-4940 |
| Document Number | 2021517320 |
| Map Reference | MB 105 PG 207-212 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021517320 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,718.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 LAGUNA MILL DR, 403, RUSKIN, FL 33570-4940 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85281-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 13, 2021 |
| Property Address | 403 LAGUNA MILL DR, RUSKIN, FL 33570-4940 |
| Document Number | 0000517320 |
| Map Reference | MB 105 PG 207-212 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021517320 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,718.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 LAGUNA MILL DR, RUSKIN, FL 33570-4940 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 403 LAGUNA MILL DR, RUSKIN, FL 33570-4940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0249080364 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 24908/0364 |
| Instrument | 2017167867 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $213,779 (-5.96%) Land $64,515 Building $149,264 | $213,779 (-5.96%) Land $64,515 Building $149,264 | |
| 2025 | $4,334.00 (+5.4%) Homeowner's exemption | $227,323 (+0.17%) Land $75,735 Building $151,588 | $227,323 (+0.17%) Land $75,735 Building $151,588 |
| 2023 | $4,112.00 (-3.63%) Homeowner's exemption | $226,933 (+14.7%) Land $72,930 Building $154,003 | $226,933 (+14.7%) Land $72,930 Building $154,003 |
| 2022 | $4,267.00 | $197,844 Land $50,490 Building $147,354 | $197,844 Land $50,490 Building $147,354 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 32 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HCWRD/SOUTH-CENTRAL serves 515,012 people · EPA ID FL6290787 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 271 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 |
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