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920 Ocean Spray Dr, Ruskin, FL 33570 Property Records

Hillsborough County property record for 920 Ocean Spray Dr, Ruskin, FL 33570 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,674 sqft · built 2021
Lot Size0.137 acres (6,000 sqft)
OwnerIndividual Name on File
Last Sale$277,990 (Apr 2021)
Tax Bill$9,662 (2025)
Deeds & MortgagesMay 2022 Second Mortgage
Apr 2021 Sale & Mortgage
+ 4 more
Flood ZoneZone AE (high risk)
APN0563622100

Property Details

APN / Parcel Number

Primary APN0563622100
Alternative APN
  • U063219C07000000005450

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,674 sqft Heated Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2023
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,000 sqft (0.137 acres)
Lot Dimensions120 ft deep x 50 ft wide
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0563622100
Street Address920 OCEAN SPRAY DR
CityRUSKIN
StateFL
Zip33570-2046
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSHELL COVE PHASE 1 LOT 545
Legal Section06
Legal SubdivisionSHELL COVE PHASE 1
Legal Phase1
Legal Lot Number545
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionRUSKIN
Census Block Group1
Census Block1019
Census Tract14121

Owner

Source: Hillsborough County records · APN 0563622100

Assessment roll updated 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 RecordIndividual Name on File
Mailing Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
POLICE & FIRE FCU
Apr 15, 2021Special Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Apr 15, 2021Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Nov 14, 2020Grant Deed, Transfer
ATTORNEY ONLY
Mar 19, 2020Loan Modification, Mortgage · Line of Credit
IBERIABANK
Mar 12, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 15, 2021 · Amount on Record
Deed SaleApr 15, 2021 · Amount on Record
Deed Document Number2021187060
Record UpdatedJun 08, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
Transaction TypeMortgage
Record UpdatedMay 31, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046

Mortgage

Document Number0000245459
DateMay 12, 2022
Instrument2022245459
Lender
NamePOLICE & FIRE FCU
TypeCredit Union
AddressBENSALEM, PA 19020
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term181 Months
DueJun 01, 2037

April 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateApr 15, 2021
Property Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
Document Number2021187060
Map ReferenceMB 137 PG 58
Instrument DateApr 14, 2021
Instrument2021187060
Transaction TypeTransfer
Record UpdatedOct 28, 2021
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,946.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12602 TELECOM DR # 100, 12602, TEMPLE TERRACE, FL 33637-0935

Transferred To (Grantee/Buyer)

NameVerified Name
Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046

Mortgage

Document Number2021187061
DateApr 15, 2021
Instrument2021187061
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateApr 15, 2021
Property Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
Document Number0000187060
Map ReferenceMB 137 PG 58
Instrument DateApr 14, 2021
Instrument2021187060
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 12, 2022
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,946.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12602 TELECOM DR # 100, 12602, TEMPLE TERRACE, FL 33637-0935

Transferred To (Grantee/Buyer)

NameVerified Name
Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046

Mortgage

Document Number0000187061
DateApr 15, 2021
Instrument2021187061
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

November 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHILLSBOROUGH FL
Recording DateNov 14, 2020
Property Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
Document Number0000474170
Instrument DateNov 04, 2020
Instrument474170
Transaction TypeTransfer
Record UpdatedDec 11, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$9,176.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12602 TELECOM DR TEMPLE TERRACE FL 336370935, TEMPLE TERRACE, FL 33637-0935

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHILLSBOROUGH FL
Property Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
Document Number0000115769
Instrument DateMar 19, 2020
Transaction TypeMortgage
Record UpdatedDec 02, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3680 AVALON PARK EAST BLVD #30 ORLANDO FL 328289372, 30, ORLANDO, FL 32828-9372

Mortgage

Document Number0000115769
DateMar 20, 2020
Instrument115769
Lender
NameIBERIABANK
TypeBank
Address200 W CONGRESS ST, LAFAYETTE, LA 70501-6873
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHILLSBOROUGH FL
Recording DateMar 12, 2020
Property Address920 OCEAN SPRAY DR, RUSKIN, FL 33570-2046
Document Number0000097531
Instrument DateMar 09, 2020
Instrument97531
Transaction TypeTransfer
Record UpdatedDec 02, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$47,040.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3680 AVALON PARK EAST BLVD #300 ORLANDO FL 328289373, 300, ORLANDO, FL 32828-9373
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$9,662.00 (+14.57%) Homeowner's exemption$356,682 (+5.99%)$362,477 (+5%) Land $66,660 Building $295,817
2023$8,433.00 (+9.24%) Homeowner's exemption$336,534 (+12.6%)$345,215 (+15.5%) Land $60,600 Building $284,615
2022$7,720.00 Homeowner's exemption$298,877 Land $48,480 Building $250,397$298,877 Land $48,480 Building $250,397

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), updated September 28, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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