Hillsborough County property record for 406 Island Cay Way, Apollo Beach, FL 33572
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,389 sqft · built 1998 |
| Lot Size | 0.425 acres (18,495 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $368,900 (Dec 2004) |
| Tax Bill | $3,907 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2022 Second Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 053965-2508 |
| Primary APN | 053965-2508 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,389 sqft Living Area |
| Gross Area | 3,496 sqft |
| 1st Floor Area | 2,389 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,495 sqft (0.425 acres) |
| Lot Dimensions | 200 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 790 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 416 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 317 sqft |
| Deck Area | Deck Area |
| Patio Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0539652508 |
|---|---|
| Street Address | 406 ISLAND CAY WAY |
| City | APOLLO BEACH |
| State | FL |
| Zip | 33572-2658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | ISLAND CAY PHASE 2 LOT 4 BLOCK 1 |
| Legal Range | 19E |
| Legal Township | 31S |
| Legal Section | 22 |
| Legal Subdivision | ISLAND CAY PHASE 2 |
| Legal Phase | 2 |
| Legal Tract | 1TW |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 14106 |
406 Island Cay Way is owned and occupied by two individuals who bought it in December 2004.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| 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 |
|---|---|
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit TROVY LENDING CO |
| Nov 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU |
| May 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2004 · Amount on File |
| Deed Sale | Dec 16, 2004 · Amount on File |
| Prior Sale | Jun 22, 2001 · Amount on File |
| Deed Document Number | 2004489216 |
| Deed Book / Page | 14504 / 1246 |
| Prior Transfer Date | Feb 19, 2003 |
| Prior Transfer Doc | 0000096511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| Document Number | 0000396589 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 2025396589 |
| Name | TROVY LENDING CO |
|---|---|
| Address | NEW YORK, NY 10003 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| Document Number | 0000527474 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 2022527474 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 406 ISLAND CAY WAY, APOLLO BEACH, FL 33572-2658 |
| Document Number | 2021222194 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 2021222194 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 406 Island Cay Way was $3,907 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 | $226,454 (+2.64%) | $490,368 (-14.4%) Land $98,952 Building $391,416 | |
| 2025 | $3,907.00 Homeowner's exemption | $220,623 | $572,835 Land $113,088 Building $459,747 |
| 2023 | $3,455.00 Homeowner's exemption | $208,160 | $488,320 Land $98,952 Building $389,368 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Island Cay Way 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 340 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 340 in force |
| Nearby Flood Claims | 72 (2001–2026) |
| Claims Outside the SFHA | 5 of 72 |
| Most Recent Claim | Aug 2026 |
| 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.
Wildfire risk around 406 Island Cay Way is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% 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.
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 487 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures