648 Ruskin Rd, Clearwater, FL 33765 Property Records

Pinellas County property record for 648 Ruskin Rd, Clearwater, FL 33765

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,734 sqft · built 1969
Lot Size	0.193 acres (8,403 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (May 2020)
Tax Bill	$3,733 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-762-8933-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-762-8933-9`
Alternative APNs	`07-29-16-17253-000-0230` `291607172530000230` `162907172530000230` `R73894`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,734 sqft Living Area
Gross Area	2,371 sqft
1st Floor Area	1,734 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,403 sqft (0.193 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	201 sqft
Deck Area	225 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R73894
Street Address	648 RUSKIN RD
City	CLEARWATER
State	FL
Zip	33765-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE HILL ESTATES LOT 23
Legal Range	16E
Legal Township	29S
Legal Section	7
Legal Subdivision	COLLEGE HILL ESTATES
Legal Tract	17253
Legal Lot Number	23
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2016
Census Tract	26703

Owner

648 Ruskin Rd is owned and occupied by two individuals who bought it in May 2020.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	648 RUSKIN RD, CLEARWATER, FL 33765-2335
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 20, 2020	Warranty Deed, Transfer · FHA Mortgage INTERIM CAPITAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on File
Deed Sale	May 20, 2020 · Amount on File
Deed Document Number	2020156481
Deed Book / Page	21008 / 383
Prior Transfer Date	Jun 25, 2008
Prior Transfer Doc	0163121643
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	648 RUSKIN RD, CLEARWATER, FL 33765-2335
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RUSKIN RD, CLEARWATER, FL 33765-2335

Mortgage

Document Number	0224981616
Date	Jul 10, 2023
Book Page	22498/1616
Instrument	2023177441

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 12, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	648 RUSKIN RD, CLEARWATER, FL 33765-2335
Transaction Type	Mortgage
Record Updated	Oct 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RUSKIN RD, CLEARWATER, FL 33765-2335

Mortgage

Document Number	0217211075
Date	Sep 17, 2021
Book Page	21721/1075
Instrument	2021306132

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 20, 2020
Property Address	648 RUSKIN RD, CLEARWATER, FL 33765-2335
Document Number	0210080383
Book / Page	021008 / 000383
Instrument Date	Apr 29, 2020
Instrument	156481
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	VANTAGE POINT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	648 RUSKIN RD CLEARWATER FL 337652335, CLEARWATER, FL 33765-2335

Mortgage

Document Number	210080385
Date	May 20, 2020
Book Page	021008/000385
Instrument	156482

Lender

Name	INTERIM CAPITAL MORTGAGE LLC
Address	3701 ARCO CORPORATE DR # 200, CHARLOTTE, NC 28273-7204

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 648 Ruskin Rd was $3,733 with a homeowner's exemption, up 5.7% from the year before.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Clearwater City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,733.00 (+5.72%) Homeowner's exemption	$235,305	$334,849 Land $120,747 Building $214,102
2024	$3,531.00 (+1.93%)
2023	$3,464.00 (+3.13%) Homeowner's exemption	$222,013 (+3%)	$330,932 (+29.87%) Land $162,677 Building $168,255
2022	$3,359.00 Homeowner's exemption	$215,547	$254,826 Land $124,042 Building $130,784

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

Flood

FEMA maps place 648 Ruskin Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	23 (1978–2025)
Claims Outside the SFHA	16 of 23
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 2 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

The area around 648 Ruskin Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 System	CLEARWATER WATER SYSTEM serves 115,000 people · EPA ID FL6520336
Water Source	Groundwater
Last State Inspection	May 2023
Lead	3 ppb (2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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