Hillsborough County property record for 5211 Covesound Way, Apollo Beach, FL 33572
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,957 sqft · built 2004 |
| Lot Size | 0.577 acres (25,152 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $391,100 (Feb 2004) |
| Tax Bill | $10,999 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jan 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 054234-0242 |
| Primary APN | 054234-0242 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,957 sqft Living Area |
| Gross Area | 3,225 sqft |
| 1st Floor Area | 1,957 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,152 sqft (0.577 acres) |
| Lot Dimensions | 82 ft deep x 234 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 735 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Screened Porch |
| Porch Area | 533 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0542340242 |
|---|---|
| Street Address | 5211 COVESOUND WAY |
| City | APOLLO BEACH |
| State | FL |
| Zip | 33572-3328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | MIRABAY PHASE 3A-1 LOT 5 BLOCK 2 |
| Legal Range | 19E |
| Legal Township | 31S |
| Legal Section | 32 |
| Legal Subdivision | MIRABAY PHASE 3A-1 |
| Legal Phase | 3A-1 |
| Legal Tract | 62G |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 2 |
| Census Block | 2006 |
| 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 | 5211 COVESOUND WAY, APOLLO BEACH, FL 33572-3328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Jan 25, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2004 · Amount on Record |
| Deed Sale | Feb 12, 2004 · Amount on Record |
| Prior Sale | Jul 12, 2003 · Amount on Record |
| Deed Document Number | 200454926 |
| Deed Book / Page | 13550 / 1645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5211 COVESOUND WAY, APOLLO BEACH, FL 33572-3328 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5211 COVESOUND WAY, APOLLO BEACH, FL 33572-3328 |
| Document Number | 0000276431 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 2022276431 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5211 COVESOUND WAY, APOLLO BEACH, FL 33572-3328 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000035942 |
|---|---|
| Date | Jan 25, 2018 |
| Book Page | 25518/1642 |
| Instrument | 2018035942 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $378,246 (+2.7%) | $889,244 (-2%) Land $604,133 Building $285,111 | |
| 2025 | $10,999.00 (+10.1%) Homeowner's exemption | $368,302 (+5.99%) | $907,380 (+15.72%) Land $604,133 Building $303,247 |
| 2023 | $9,990.00 (+1.64%) Homeowner's exemption | $347,497 (+3%) | $784,127 (+15.94%) Land $503,444 Building $280,683 |
| 2022 | $9,829.00 Homeowner's exemption | $337,376 | $676,330 Land $355,372 Building $320,958 |
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 872 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,051 units insured incl. 179 condo units |
| Nearby Flood Claims | 223 (1993–2025) |
| Claims Outside the SFHA | 1 of 223 |
| Most Recent Claim | Nov 2025 · rainfall accumulation |
| 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 173 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 |
| Starlink Satellite | 280 / 30 |
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