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486 Barrier Reef St, Ruskin, FL 33570 Property Records

Hillsborough County property record for 486 Barrier Reef St, Ruskin, FL 33570

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,798 sqft · built 2020
Lot Size0.165 acres (7,200 sqft)
Owner2 Individual Names on File
Last Sale$535,000 (Jun 2022)
Tax Bill$11,410 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Aug 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN056362-2328

Property Details

APN / Parcel Number

Primary APN056362-2328
Alternative APN
  • U063219C0O000000006510

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,798 sqft Living Area
Gross Area3,809 sqft
1st Floor Area2,798 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2022
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,200 sqft (0.165 acres)
Lot Dimensions120 ft deep x 60 ft wide
Garage TypeAttached
Garage Area632 sqft
PorchOpen Porch
Porch Area259 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0563622328
Street Address486 BARRIER REEF ST
CityRUSKIN
StateFL
Zip33570-8089
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionSHELL COVE PHASE 2 LOT 651
Legal Range19E
Legal Township32S
Legal Section06
Legal SubdivisionSHELL COVE PHASE 2
Legal Phase2
Legal Lot Number651
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionRUSKIN
Census Block Group1
Census Block1026
Census Tract14121

Owner

Source: Hillsborough County records, as of September 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address486 BARRIER REEF ST, RUSKIN, FL 33570-8089
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2022Warranty Deed, Transfer · Conventional Mortgage
LIBERTY HOME MORTGAGE CORP
Aug 19, 2020Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
DHI MORTGAGE COMPANY LTD
Mar 20, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 15, 2022 · Amount on File
Deed SaleJun 15, 2022 · Amount on File
Prior SaleAug 19, 2020 · Amount on File
Deed Document Number2022301457
Record UpdatedOct 29, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJun 15, 2022
Property Address486 BARRIER REEF ST, RUSKIN, FL 33570-8089
Document Number0000301457
Map ReferenceMB 137 PG 191-195
Instrument DateJun 10, 2022
Instrument2022301457
Transaction TypeTransfer
Record UpdatedJun 30, 2022
Title CompanyMAJESTY TITLE SERVICES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,745.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address72 SE 461ST ROAD, 72, WARRENSBURG, MO 64093

Transferred To (Grantee/Buyer)

NameVerified Name
Address1524 MISTWOOD CT, CANTON, MI 48187-5825

Mortgage

Document Number0000301458
DateJun 15, 2022
Instrument2022301458
Lender
NameLIBERTY HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2052

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateAug 19, 2020
Property Address486 BARRIER REEF ST, RUSKIN, FL 33570-8089
Document Number0000338129
Map ReferenceMB 137 PG 191
Instrument DateAug 7, 2020
Instrument2020338129
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 12, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12602 TELECOM DR # 100, 12602, TEMPLE TERRACE, FL 33637-0935

Transferred To (Grantee/Buyer)

NameVerified Name
Address486 BARRIER REEF STREET, RUSKIN, FL 33570-8089

Mortgage

Document Number0000338130
DateAug 19, 2020
Instrument2020338130
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2050

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHILLSBOROUGH FL
Recording DateMar 20, 2020
Property Address486 BARRIER REEF ST, RUSKIN, FL 33570-8089
Document Number0000115705
Instrument DateMar 19, 2020
Instrument115705
Transaction TypeTransfer
Record UpdatedDec 2, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$2,016.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12602 TELECOM DR TEMPLE TERRACE FL 336370935, TEMPLE TERRACE, FL 33637-0935

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$389,469 (-6.64%) Land $86,249 Building $303,220$389,469 (-6.64%) Land $86,249 Building $303,220
2025$11,410.00 (+12.16%) Homeowner's exemption$417,187 (+2.86%) Land $86,249 Building $330,938$417,187 (+2.86%) Land $86,249 Building $330,938
2023$10,173.00 (+0.62%) Homeowner's exemption$405,570 (+0.53%) Land $78,408 Building $327,162$405,570 (+0.53%) Land $78,408 Building $327,162
2022$10,110.00$403,448 Land $62,726 Building $340,722$403,448 Land $62,726 Building $340,722

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 241 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies241 in force
Nearby Flood Claims85 (1982–2024)
Claims Outside the SFHA8 of 85
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Helene, Sep 2024 · 25 claims
  • Tropical Storm Josephine, Oct 1996 · 6 claims
  • Hurricane Elena, Aug 1985 · 5 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemHCWRD/SOUTH-CENTRAL
serves 515,012 people · EPA ID FL6290787
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 493 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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