Hillsborough County property record for 972 Ocean Spray Dr, Ruskin, FL 33570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,926 sqft · built 2020 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Aug 2026) |
| Tax Bill | $8,888 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Jun 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 056362-2092 |
| Primary APN | 056362-2092 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,926 sqft Living Area |
| Gross Area | 2,401 sqft |
| 1st Floor Area | 1,926 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 403 sqft |
| Porch | Open Porch |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0563622092 |
|---|---|
| Street Address | 972 OCEAN SPRAY DR |
| City | RUSKIN |
| State | FL |
| Zip | 33570-2046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SHELL COVE PHASE 1 LOT 541 |
| Legal Range | 19E |
| Legal Township | 32S |
| Legal Section | 06 |
| Legal Subdivision | SHELL COVE PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 541 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 14121 |
972 Ocean Spray Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 972 OCEAN SPRAY DR, RUSKIN, FL 33570-2046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 4, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 8, 2022 | Special Warranty Deed, Subdivision Related Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on File |
| Deed Sale | Aug 4, 2026 · Amount on File |
| Prior Sale | Jun 8, 2022 · Amount on File |
| Deed Document Number | 2026302864 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 4, 2026 |
| Property Address | 972 OCEAN SPRAY DR, RUSKIN, FL 33570-2046 |
| Document Number | 0000302864 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 2026302864 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $226,240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 972 OCEAN SPRAY DR, RUSKIN, FL 33570-2046 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 8, 2022 |
| Property Address | 972 OCEAN SPRAY DR, RUSKIN, FL 33570-2046 |
| Document Number | 0000290657 |
| Map Reference | MB 137 PG 58-85 |
| Instrument Date | May 13, 2022 |
| Instrument | 2022290657 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9720 PRINCESS PALM AVE STE 130, 130, TAMPA, FL 33619-8346 |
| Name | Verified Name |
|---|---|
| Address | 41 CANTERBURY HILL RD, ACTON, MA 01720-4921 |
The 2025 property tax bill for 972 Ocean Spray Dr was $8,888, up 7.9% from the year before.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $255,228 (-6.35%) Land $66,660 Building $188,568 | $255,228 (-6.35%) Land $66,660 Building $188,568 | |
| 2025 | $8,888.00 (+7.9%) | $272,529 Land $66,660 Building $205,869 | $272,529 Land $66,660 Building $205,869 |
| 2024 | $8,237.00 (+3.47%) | ||
| 2023 | $7,961.00 (+7.19%) | $267,121 (-2.11%) Land $60,600 Building $206,521 | $267,121 (-2.11%) Land $60,600 Building $206,521 |
| 2022 | $7,427.00 | $272,868 Land $48,480 Building $224,388 | $272,868 Land $48,480 Building $224,388 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 972 Ocean Spray Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 972 Ocean Spray Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% 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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