Hillsborough County property record for 6904 Covington Stone Ave, Apollo Beach, FL 33572
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,125 sqft · built 2013 |
| Lot Size | 0.219 acres (9,573 sqft) |
| Owner | Individual Name on File |
| Last Sale | $443,000 (Mar 2020) |
| Tax Bill | $3,952 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0515323236 |
| Primary APN | 0515323236 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,125 sqft Heated Area |
| 1st Floor Area | 2,015 sqft |
| Upper Floors Area | 1,110 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,573 sqft (0.219 acres) |
| Lot Dimensions | 132 ft deep x 72.5 ft wide |
| Garage Area | 195 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 328 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0515323236 |
|---|---|
| Street Address | 6904 COVINGTON STONE AVE |
| City | APOLLO BEACH |
| State | FL |
| Zip | 33572-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | WATERSET PHASE 1B LOT 11 BLOCK 48 |
| Legal Range | 19E |
| Legal Township | 31S |
| Legal Section | 14 |
| Legal Subdivision | WATERSET PHASE 1B |
| Legal Block | 48 |
| Legal Lot Number | 11 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 14119 |
Source: Hillsborough County assessment roll, APN 0515323236, as of July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6904 COVINGTON STONE AVE, APOLLO BEACH, FL 33572-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 09, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Mar 25, 2020 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 06, 2017 | Intrafamily Transfer, Transfer · ARM BMO HARRIS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on Record |
| Deed Sale | Mar 25, 2020 · Amount on Record |
| Prior Sale | Jan 06, 2017 |
| Deed Document Number | 2020124374 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 6904 COVINGTON STONE AVE, APOLLO BEACH, FL 33572-1551 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0257560394 |
|---|---|
| Date | May 09, 2018 |
| Book Page | 25756/0394 |
| Instrument | 2018185147 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 03, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 25, 2020 |
| Property Address | 6904 COVINGTON STONE AVE, APOLLO BEACH, FL 33572-1551 |
| Document Number | 0000124374 |
| Map Reference | MB 113 PG 146-153 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 2020124374 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,101.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 CREEKSIDE DR, 7, LEBANON, PA 17042-4603 |
| Name | Verified Name |
|---|---|
| Address | 6904 COVINGTON STONE AVE, APOLLO BEACH, FL 33572-1551 |
| Document Number | 0000124376 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 2020124376 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 06, 2017 |
| Property Address | 6904 COVINGTON STONE AVE, APOLLO BEACH, FL 33572-1551 |
| Document Number | 0000007183 |
| Book / Page | 24647 / 0080 |
| Map Reference | MB113 PG146-153 |
| Instrument Date | Nov 09, 2016 |
| Instrument | 2017007183 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | GIT FLORIDA TITLE SEVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 6904 COVINGTON STONE AVE, APOLLO BEACH, FL 33572-1551 |
| Document Number | 0000007184 |
|---|---|
| Date | Jan 06, 2017 |
| Instrument | 2017007184 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.05% |
| Type Change Date | Jan 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.05% |
| Index | 1-Year LIBOR |
| Max Rate | 8.05% |
Source: Hillsborough County assessment roll as of July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,952.00 (-58.87%) Disabled Person's exemption Veteran's exemption | $407,144 (+5.99%) | $508,321 (+9.83%) Land $147,036 Building $361,285 |
| 2023 | $9,609.00 (+5.36%) Homeowner's exemption Veteran's exemption | $384,146 (+3%) | $462,827 (+6.71%) Land $137,846 Building $324,981 |
| 2022 | $9,120.00 Homeowner's exemption Veteran's exemption | $372,957 | $433,723 Land $110,277 Building $323,446 |
Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), as of September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570141191, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 88 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 88 in force |
| Nearby Flood Claims | 8 (2012–2024) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 104 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system FL6290787, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HCWRD/SOUTH-CENTRAL serves 515,012 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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