407 13th St SW, Ruskin, FL 33570 Property Records

Hillsborough County property record for 407 13th St SW, Ruskin, FL 33570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,998 sqft · built 1976
Lot Size	0.421 acres (18,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jan 2021)
Tax Bill	$3,362 (2025)
Deeds & Mortgages	Apr 2026 Transfer Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`056660-2074`

Property Details

APN / Parcel Number

Primary APN	`056660-2074`
Alternative APN	`U0732191VF000003000370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,998 sqft Living Area
Gross Area	2,666 sqft
1st Floor Area	1,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,354 sqft (0.421 acres)
Lot Dimensions	241 ft deep x 150 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	372 sqft
Deck Area	140 sqft
Patio Area	280 sqft
Utility Building	140 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0566602074
Street Address	407 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 37 BLOCK 3 AND E 95 FT OF LOT 38 BLOCK 3 AND A PARCEL OF SUBMERGED LAND LYING N OF AND ADJACENT TO AND ABUTTING LOTS 38 AND 40 AND W OF AND ADJACENT TO A PORTION OF LOT 37 BLK 3 DESC AS COMM AT NW COR OF SAID LOT 40 BLK 3 THN
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	37
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	2 Individual Names on Record
Mailing Address	407 13TH ST SW, RUSKIN, FL 33570-4187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 26, 2021	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2021 · Amount on Record
Deed Sale	Jan 26, 2021 · Amount on Record
Prior Sale	Dec 5, 2013 · Amount on Record
Deed Document Number	202138597
Prior Transfer Date	Mar 12, 2004
Prior Transfer Doc	0136660388
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 22, 2026
Property Address	407 13TH ST SW, RUSKIN, FL 33570-4187
Document Number	0000155343
Instrument Date	Jun 30, 2021
Instrument	2026155343
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	407 13TH ST SW, RUSKIN, FL 33570-4187

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jan 26, 2021
Property Address	407 13TH ST SW, RUSKIN, FL 33570-4187
Document Number	0000038597
Instrument Date	Jan 20, 2021
Instrument	38597
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	TAMPA TITLE COMPANY, TAMPA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	407 13TH ST RUSKIN FL 33570, RUSKIN, FL 33570

Mortgage

Document Number	38598
Date	Jan 26, 2021
Instrument	38598

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

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		$404,014 (+107.2%)	$472,567 (+102.85%) Land $193,762 Building $278,805
2025	$3,362.00 (-49.41%) Homeowner's exemption Veteran's exemption	$194,984 (-48.93%)	$232,960 (-46.98%) Land $193,762 Building $39,198
2024	$6,645.00 (+3.44%)
2023	$6,424.00 (+4.17%) Homeowner's exemption Veteran's exemption	$381,800 (+3%)	$439,400 (-1.55%) Land $170,486 Building $268,914
2022	$6,167.00 Homeowner's exemption Veteran's exemption	$370,680	$446,317 Land $147,210 Building $299,107

Assessed value is set for property tax purposes, not a market price estimate; it is 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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