Hillsborough County property record for 497 Ocean Spray Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,310 sqft · built 2020 |
| Lot Size | 0.186 acres (8,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $318,115 (Jan 2021) |
| Tax Bill | $10,236 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jan 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 056362-2264 |
| Primary APN | 056362-2264 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,310 sqft Living Area |
| Gross Area | 3,152 sqft |
| 1st Floor Area | 2,310 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,100 sqft (0.186 acres) |
| Lot Dimensions | 120 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 599 sqft |
| Porch | Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0563622264 |
|---|---|
| Street Address | 497 OCEAN SPRAY DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-2038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SHELL COVE PHASE 2 LOT 619 |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 06 |
| Legal Subdivision | SHELL COVE PHASE 2 |
| Legal Phase | 2 |
| Legal Lot Number | 619 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 14121 |
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 | 497 OCEAN SPRAY DR, RUSKIN, FL 33570-2038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jan 7, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Mar 20, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Mar 19, 2020 | Loan Modification, Mortgage · Line of Credit IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2021 · Amount on Record |
| Deed Sale | Jan 7, 2021 · Amount on Record |
| Deed Document Number | 20217785 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 497 OCEAN SPRAY DR, RUSKIN, FL 33570-2038 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000387630 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 2023387630 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 7, 2021 |
| Property Address | 497 OCEAN SPRAY DR, RUSKIN, FL 33570-2038 |
| Document Number | 0000007785 |
| Map Reference | MB 137 PG 191 |
| Instrument Date | Jan 5, 2021 |
| Instrument | 2021007785 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,227.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12602 TELECOM DR # 100, 12602, TEMPLE TERRACE, FL 33637-0935 |
| Name | Verified Name |
|---|---|
| Address | 497 OCEAN SPRAY DR, RUSKIN, FL 33570-2038 |
| Document Number | 0000007786 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 2021007786 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 20, 2020 |
| Property Address | 497 OCEAN SPRAY DR, RUSKIN, FL 33570-2038 |
| Document Number | 0000115706 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 115706 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $24,192.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3680 AVALON PARK EAST BLVD #300 ORLANDO FL 328289373, 300, ORLANDO, FL 32828-9373 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 497 OCEAN SPRAY DR, RUSKIN, FL 33570-2038 |
| Document Number | 0000115769 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3680 AVALON PARK EAST BLVD #30 ORLANDO FL 328289372, 30, ORLANDO, FL 32828-9372 |
| Document Number | 0000115769 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 115769 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | 200 W CONGRESS ST, LAFAYETTE, LA 70501-6873 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $331,550 (-6.71%) Land $72,622 Building $258,928 | $331,550 (-6.71%) Land $72,622 Building $258,928 | |
| 2025 | $10,236.00 (+11.78%) Homeowner's exemption | $355,401 (+1.61%) Land $72,622 Building $282,779 | $355,401 (+1.61%) Land $72,622 Building $282,779 |
| 2023 | $9,157.00 (+1.46%) Homeowner's exemption | $349,774 (+1.29%) Land $66,022 Building $283,752 | $349,774 (+1.29%) Land $66,022 Building $283,752 |
| 2022 | $9,025.00 Homeowner's exemption | $345,306 Land $52,822 Building $292,484 | $345,306 Land $52,822 Building $292,484 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 493 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 |
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