Hillsborough County property record for 654 Ocean Spray Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,979 sqft · built 2022 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $366,000 (Feb 2022) |
| Tax Bill | $9,192 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 0563622164 |
| Primary APN | 0563622164 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,979 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0563622164 |
|---|---|
| Street Address | 654 OCEAN SPRAY DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-2041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SHELL COVE PHASE 2 LOT 569 |
| Legal Range | 19 |
| Legal Township | 32 |
| Legal Section | 06 |
| Legal Phase | 2 |
| Legal Lot Number | 569 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 14121 |
Source: Hillsborough County assessment roll, as of July 1, 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 654 OCEAN SPRAY DR, RUSKIN, FL 33570-2041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 4, 2022 · Amount on Record |
| Deed Sale | Feb 4, 2022 · Amount on Record |
| Deed Document Number | 2022067872 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 654 OCEAN SPRAY DR, RUSKIN, FL 33570-2041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 7007 TOWNE LAKE RD, RIVERVIEW, FL 33578-8403 |
| Document Number | 0000067873 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 2022067873 |
| Name | TRAILBLAZER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
Source: Hillsborough County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,192.00 (+12.34%) Homeowner's exemption Veteran's exemption | $303,181 (+1.49%) Land $78,408 Building $224,773 | $303,181 (+1.49%) Land $78,408 Building $224,773 |
| 2023 | $8,182.00 (+63.57%) Homeowner's exemption Veteran's exemption | $298,721 (+423.85%) Land $71,280 Building $227,441 | $298,721 (+423.85%) Land $71,280 Building $227,441 |
| 2022 | $5,002.00 | $57,024 Land $57,024 | $57,024 Land $57,024 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 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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