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491 Olive Conch St, Ruskin, FL 33570 Property Records

Hillsborough County property record for 491 Olive Conch St, Ruskin, FL 33570

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,516 sqft · built 2020
Lot Size0.115 acres (5,000 sqft)
OwnerIndividual Name on Record
Last Sale$218,490 (Nov 2020)
Tax Bill$7,549 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Mar 2020 Loan Modification
+ 1 more
Flood ZoneZone AE (high risk)
APN056362-1680

Property Details

APN / Parcel Number

Primary APN056362-1680
Alternative APN
  • U063219C07000000003350

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,516 sqft Living Area
Gross Area2,034 sqft
1st Floor Area1,516 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 Area5,000 sqft (0.115 acres)
Lot Dimensions125 ft deep x 40 ft wide
Garage TypeAttached
Garage Area399 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0563621680
Street Address491 OLIVE CONCH ST
CityRUSKIN
StateFL
Zip33570-2080
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionSHELL COVE PHASE 1 LOT 335
Legal Range19E
Legal Township32S
Legal Section06
Legal SubdivisionSHELL COVE PHASE 1
Legal Phase1
Legal Lot Number335
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionRUSKIN
Census Block Group1
Census Block1019
Census Tract14121

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 RecordIndividual Name on Record
Mailing Address491 OLIVE CONCH ST, RUSKIN, FL 33570-2080
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2020Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
FBC MORTGAGE LLC
Mar 19, 2020Loan Modification, Mortgage · Line of Credit
IBERIABANK
Mar 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 23, 2020 · Amount on Record
Deed SaleNov 23, 2020 · Amount on Record
Deed Document Number2020488335
Record UpdatedOct 29, 2026

November 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateNov 23, 2020
Property Address491 OLIVE CONCH ST, RUSKIN, FL 33570-2080
Document Number0000488335
Map ReferenceMB 137 PG 58
Instrument DateNov 12, 2020
Instrument2020488335
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 12, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,529.50
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
Address491 OLIVE CONCH ST, RUSKIN, FL 33570-2080

Mortgage

Document Number0000488336
DateNov 23, 2020
Instrument2020488336
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHILLSBOROUGH FL
Property Address491 OLIVE CONCH ST, RUSKIN, FL 33570-2080
Document Number0000115769
Instrument DateMar 19, 2020
Transaction TypeMortgage
Record UpdatedDec 2, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3680 AVALON PARK EAST BLVD #30 ORLANDO FL 328289372, 30, ORLANDO, FL 32828-9372

Mortgage

Document Number0000115769
DateMar 20, 2020
Instrument115769
Lender
NameIBERIABANK
TypeBank
Address200 W CONGRESS ST, LAFAYETTE, LA 70501-6873
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHILLSBOROUGH FL
Recording DateMar 12, 2020
Property Address491 OLIVE CONCH ST, RUSKIN, FL 33570-2080
Document Number0000097531
Instrument DateMar 9, 2020
Instrument97531
Transaction TypeTransfer
Record UpdatedDec 2, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$47,040.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3680 AVALON PARK EAST BLVD #300 ORLANDO FL 328289373, 300, ORLANDO, FL 32828-9373
InvestorPossibly a Property Investor

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$217,467 (-6.37%) Land $56,650 Building $160,817$217,467 (-6.37%) Land $56,650 Building $160,817
2025$7,549.00 (+16.71%)$232,266 (+2%) Land $56,650 Building $175,616$232,266 (+2%) Land $56,650 Building $175,616
2023$6,468.00 (+5.03%)$227,720 (+2.04%) Land $51,500 Building $176,220$227,720 (+2.04%) Land $51,500 Building $176,220
2022$6,158.00$223,176 Land $41,200 Building $181,976$223,176 Land $41,200 Building $181,976

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 Record
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 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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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