Hillsborough County property record for 547 Ocean Spray Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,798 sqft · built 2021 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,310 (Aug 2021) |
| Tax Bill | $11,411 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Dec 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 056362-2274 |
| Primary APN | 056362-2274 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,798 sqft Living Area |
| Gross Area | 4,199 sqft |
| 1st Floor Area | 2,798 sqft |
| Flooring | Carpet |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Contemporary |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 632 sqft |
| Porch | Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0563622274 |
|---|---|
| Street Address | 547 OCEAN SPRAY DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-2040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SHELL COVE PHASE 2 LOT 624 |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 06 |
| Legal Subdivision | SHELL COVE PHASE 2 |
| Legal Phase | 2 |
| Legal Lot Number | 624 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 14121 |
547 Ocean Spray Dr is owned and occupied by two individuals who bought it in August 2021.
Source: Hillsborough County records, as of October 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Dec 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Aug 26, 2021 | Special Warranty Deed, Transfer DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Mar 19, 2020 | Loan Modification, Mortgage · Line of Credit IBERIABANK |
| Mar 20, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on File |
| Deed Sale | Aug 26, 2021 · Amount on File |
| Deed Document Number | 2021433756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Sep 18, 2026 |
| Property Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Document Number | 0000365146 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 2026365146 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Document Number | 0000365146, |
|---|---|
| Date | Sep 18, 2026 |
| Instrument | 2026365146 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Name | Verified Name |
|---|---|
| Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Document Number | 0000583720 |
|---|---|
| Date | Dec 27, 2023 |
| Instrument | 2023583720 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Max Rate | 11.3% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 26, 2021 |
| Property Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Document Number | 0000433756 |
| Map Reference | MB 137 PG 191 |
| Instrument Date | Aug 23, 2021 |
| Instrument | 2021433756 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,662.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12602 TELECOM DR # 100, 100, TEMPLE TERRACE, FL 33637-0935 |
| Name | Verified Name |
|---|---|
| Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| 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 on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 20, 2020 |
| Property Address | 547 OCEAN SPRAY DR, RUSKIN, FL 33570-2040 |
| Document Number | 0000115706 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 115706 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| 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 |
The 2025 property tax bill for 547 Ocean Spray Dr was $11,411 with a homeowner's exemption.
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 | $392,405 (-5.96%) Land $78,408 Building $313,997 | $392,405 (-9.26%) Land $78,408 Building $313,997 | |
| 2025 | $11,411.00 Homeowner's exemption | $417,283 | $432,441 Land $78,408 Building $354,033 |
| 2023 | $10,101.00 (+10.53%) Homeowner's exemption | $393,712 (+6.57%) | $411,615 (-0.98%) Land $71,280 Building $340,335 |
| 2022 | $9,139.00 Homeowner's exemption | $369,455 | $415,679 Land $57,024 Building $358,655 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 547 Ocean Spray Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 547 Ocean Spray Dr is low, with a 0.04% annual chance of wildfire.
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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