Hillsborough County property record for 406 Inlet Rd, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,449 sqft · built 2023 |
| Lot Size | 0.841 acres (36,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Mar 2021) |
| Tax Bill | $16,794 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage May 2021 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 056728-0311 |
| Primary APN | 056728-0311 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,449 sqft Living Area |
| Gross Area | 6,077 sqft |
| 1st Floor Area | 2,150 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Contemporary |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 36,614 sqft (0.841 acres) |
| Lot Dimensions | 100 ft deep x 92 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 755 sqft |
| Porch | Open Porch |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0567280311 |
|---|---|
| Street Address | 406 INLET RD |
| City | RUSKIN |
| State | FL |
| Zip | 33570-4901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC-6 |
| Legal Description | RUSKIN INLET A PORTION OF LOT 5 DESC AS : COM AT NE COR OF SAID LOT 5 FOR POB THN ON E BDRY S 03 DEG 20 MIN 06 SEC E 279.58 FT TO S BDRY OF SD LOT 5 THN W 216.67 FT N 28 DEG 43 MIN 44 SEC E 316.14 FT TO S R/W LINE OF INLET RD AND PT ON A CURVE CONCAV |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 07 |
| Legal Subdivision | RUSKIN INLET |
| Legal Tract | 1VJ |
| Legal Lot Number | 5 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 14108 |
406 Inlet Rd is owned and occupied by two individuals who bought it in March 2021.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| May 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Mar 12, 2021 | Warranty Deed, Transfer SAVVY TITLE COMPANY LLC |
| Mar 12, 2021 | Warranty Deed, Transfer NOT AVAILABLE, SAVVY TITLE COMPANY LLC |
| May 13, 2019 | Deed of Trust, Mortgage NBKC BK |
| Mar 23, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2021 · Amount on File |
| Deed Sale | Mar 12, 2021 · Amount on File |
| Prior Sale | Jul 9, 2018 · Amount on File |
| Deed Document Number | 2021124654 |
| Prior Transfer Date | Sep 10, 2009 |
| Prior Transfer Doc | 0000300624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 344 STAR SHELL DR, APOLLO BEACH, FL 33572-3518 |
| Document Number | 0000026828 |
|---|---|
| Date | Jan 20, 2023 |
| Instrument | 2023026828 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 6.87% |
| Index | 1-Year T-Bill |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 408 INLET RD, RUSKIN, FL 33570-4901 |
| Document Number | 0000245657 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021245657 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 12, 2021 |
| Property Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Document Number | 2021124654 |
| Map Reference | MB 83 PG 13 |
| Instrument Date | Mar 10, 2021 |
| Instrument | 2021124654 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2021 |
| Title Company | SAVVY TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 24242, CLEVELAND, OH 44124-0242 |
| Name | Verified Name |
|---|---|
| Address | 405 INLET RD, RUSKIN, FL 33570-4901 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 12, 2021 |
| Property Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Document Number | 0000124654 |
| Map Reference | MB 83 PG 13 |
| Instrument Date | Mar 10, 2021 |
| Instrument | 2021124654 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, SAVVY TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 24242, CLEVELAND, OH 44124-0242 |
| Name | Verified Name |
|---|---|
| Address | 405 INLET RD, RUSKIN, FL 33570-4901 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Document Number | 0266451669 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 406 INLET RD RUSKIN FL 335704901, RUSKIN, FL 33570-4901 |
| Document Number | 0266451669 |
|---|---|
| Date | May 23, 2019 |
| Book Page | 026645/001669 |
| Instrument | 218349 |
| Name | NBKC BK |
|---|---|
| Address | KANSAS CITY, MO 64114 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 22, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 23, 2018 |
| Property Address | 406 INLET RD, RUSKIN, FL 33570-4901 |
| Document Number | 0256411742 |
| Book / Page | 025641 / 001742 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 114958 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | PO BOX 24242 LYNDHURST OH 441240242, LYNDHURST, OH 44124-0242 |
The 2025 property tax bill for 406 Inlet Rd was $16,794 with a homeowner's exemption.
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 | $880,942 (-5.2%) Land $158,652 Building $722,290 | $880,942 (-5.2%) Land $158,652 Building $722,290 | |
| 2025 | $16,794.00 Homeowner's exemption | $929,237 Land $158,652 Building $770,585 | $929,237 Land $158,652 Building $770,585 |
| 2023 | $2,457.00 (+11.48%) | $147,523 (+17.14%) Land $144,263 Building $3,260 | $147,523 (+17.14%) Land $144,263 Building $3,260 |
| 2022 | $2,204.00 | $125,940 Land $122,680 Building $3,260 | $125,940 Land $122,680 Building $3,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Inlet Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 249 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 249 in force |
| Nearby Flood Claims | 445 (1980–2024) |
| Claims Outside the SFHA | 5 of 445 |
| 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.
The area around 406 Inlet Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 199 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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