Hillsborough County property record for 451 Olive Conch St, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,328 sqft · built 2020 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,490 (Oct 2020) |
| Tax Bill | $6,783 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 0563621674 |
| Primary APN | 0563621674 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,328 sqft Heated Area |
| 1st Floor Area | 916 sqft |
| Upper Floors Area | 1,412 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Area | 464 sqft |
| Porch | Open Porch |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0563621674 |
|---|---|
| Street Address | 451 OLIVE CONCH ST |
| City | RUSKIN |
| State | FL |
| Zip | 33570-2080 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SHELL COVE PHASE 1 LOT 332 |
| Legal Section | 06 |
| Legal Subdivision | SHELL COVE PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 332 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 14121 |
Source: Hillsborough County records · APN 0563621674
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 451 OLIVE CONCH ST, RUSKIN, FL 33570-2080 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 01, 2022 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Oct 16, 2020 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMETOWN LENDERS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2020 · Amount on Record |
| Deed Sale | Oct 16, 2020 · Amount on Record |
| Deed Document Number | 2020428473 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 451 OLIVE CONCH ST, RUSKIN, FL 33570-2080 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 451 OLIVE CONCH ST, RUSKIN, FL 33570-2080 |
| Document Number | 0000277621 |
|---|---|
| Date | Jun 01, 2022 |
| Instrument | 2022277621 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Nov 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 16, 2020 |
| Property Address | 451 OLIVE CONCH ST, RUSKIN, FL 33570-2080 |
| Document Number | 0000428473 |
| Map Reference | MB 137 PG 58 |
| Instrument Date | Oct 07, 2020 |
| Instrument | 2020428473 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,711.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12602 TELECOM DR # 100, 12602, TEMPLE TERRACE, FL 33637-0935 |
| Name | Verified Name |
|---|---|
| Address | 451 OLIVE CONCH ST, RUSKIN, FL 33570-2080 |
| Document Number | 0000428474 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 2020428474 |
| Name | HOMETOWN LENDERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,783.00 (+15.24%) Homeowner's exemption | $234,232 (+5.99%) | $282,356 (+1.57%) Land $56,650 Building $225,706 |
| 2023 | $5,886.00 (+3.12%) Homeowner's exemption | $221,001 (+3%) | $277,990 (+10.36%) Land $51,500 Building $226,490 |
| 2022 | $5,708.00 Homeowner's exemption | $214,564 | $251,891 Land $41,200 Building $210,691 |
Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), as of September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570141211, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 241 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 241 in force |
| Nearby Flood Claims | 85 (1982–2024) |
| Claims Outside the SFHA | 8 of 85 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 493 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6290787, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HCWRD/SOUTH-CENTRAL serves 515,012 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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