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809 Fern Leaf Dr, Ruskin, FL 33570 Property Records

Hillsborough County property record for 809 Fern Leaf Dr, Ruskin, FL 33570

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,489 sqft · built 2010
Lot Size0.144 acres (6,250 sqft)
OwnerIndividual Name on Record
Last Sale$122,403 (Jul 2010)
Tax Bill$3,392 (2025)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (moderate risk)
APN056362-0876

Property Details

APN / Parcel Number

Primary APN056362-0876
Alternative APN
  • U0632199DL000000003170

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,489 sqft Living Area
Gross Area2,098 sqft
1st Floor Area1,489 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2018
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,250 sqft (0.144 acres)
Lot Dimensions125 ft deep x 50 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchScreened Porch
Porch Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0563620876
Street Address809 FERN LEAF DR
CityRUSKIN
StateFL
Zip33570-2052
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionBAHIA LAKES PHASE 3 LOT 317
Legal Range19E
Legal Township32S
Legal Section06
Legal SubdivisionBAHIA LAKES PHASE 3
Legal Phase3
Legal Tract9DL
Legal Lot Number317
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionRUSKIN
Census Block Group1
Census Block1014
Census Tract14121

Owner

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 RecordIndividual Name on Record
Mailing Address809 FERN LEAF DR, RUSKIN, FL 33570-2052
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 1, 2010 · Amount on Record
Deed SaleJul 1, 2010 · Amount on Record
Deed Document Number2010220028
Deed Book / Page19953 / 883
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address809 FERN LEAF DR, RUSKIN, FL 33570-2052
Document Number0000404677
Instrument DateSep 19, 2020
Transaction TypeMortgage
Record UpdatedNov 3, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address809 FERN LEAF DR RUSKIN FL 335702052, RUSKIN, FL 33570-2052

Mortgage

Document Number0000404677
DateOct 1, 2020
Instrument404677
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 30, 2050

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$108,294 (+2.7%)$224,898 (-5.26%) Land $68,750 Building $156,148
2025$3,392.00 (+9.28%) Homeowner's exemption$105,447 (+5.99%)$237,395 (+4.82%) Land $68,750 Building $168,645
2023$3,104.00 (+8.84%) Homeowner's exemption$99,490 (+3%)$226,487 (+2.38%) Land $62,500 Building $163,987
2022$2,852.00 Homeowner's exemption$96,592$221,222 Land $50,000 Building $171,222

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 241 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies241 in force
Nearby Flood Claims85 (1982–2024)
Claims Outside the SFHA8 of 85
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Helene, Sep 2024 · 25 claims
  • Tropical Storm Josephine, Oct 1996 · 6 claims
  • Hurricane Elena, Aug 1985 · 5 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemHCWRD/SOUTH-CENTRAL
serves 515,012 people · EPA ID FL6290787
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 247 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

May also be available: T-Mobile.

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