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Single Family ResidenceResidential
$320,257$169 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $366,990 on Nov 17, 2022

990 KELLY FERN LOOP

RUSKIN, FL 33570
3
Beds
2.5
Baths
1,896 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
Pre-foreclosure (LIS)A foreclosure notice on this home is currently active. Many are worked out before any auction happens.
A foreclosure-related notice has been recorded for this property.

Valuation

$320K
$305K low$335K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$366,990 · Nov 17, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$320,257
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$256,206

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,581 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$247,614 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,853
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$186,761
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$247,614
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,614

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.56
38
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
38
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.59%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyHILLSBOROUGH
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2024
Lot (acres)The size of the land the home sits on, from county records.0.10
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 40 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Earl J. Lennard High SchoolD+
High · Grades 9–12 · 0.4 mi
M
Beth Shields Middle SchoolD
Middle · Grades 6–8 · 2.3 mi
E
Cypress Creek Elementary SchoolD
Elementary · Grades PK–5 · 2.4 mi

District: Hillsborough County School District

Neighborhood · ZIP 33570These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.178
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.37,027
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.787 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,620
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,829
Average tempThe average temperature here across a full year.73°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

990 Kelly Fern Loop measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 67% of homes in Hillsborough County
  • Costs less per square foot than 82% of homes in Hillsborough County
  • Has a smaller lot than 96% of homes in Ruskin 33570
  • Newer than 97% of homes in Hillsborough County

What homes are worth in Ruskin 33570

Each bar is how many homes fall in that price range. The marker is this home.

This home
$160K$859K

This home is worth more than 52% of homes in Ruskin 33570.

How it measures up in Ruskin 33570

The dot is this home. The mark in the middle is the typical home in Ruskin 33570.

Estimated value$320,257
CheaperTypical $316,543Pricier

Pricier than 52% of homes nearby

Price per ft²$169
CheaperTypical $171Pricier

Pricier than 46% of homes nearby

Living area1,896 ft²
SmallerTypical 1,782 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.1 ac
SmallerTypical 0.15 acBigger

Bigger than 4% of homes nearby

Year built2022
OlderTypical 2011Newer

Newer than 94% of homes nearby

How 990 Kelly Fern Loop ranks against every home in each area.
MeasureThis homeRuskin 33570Hillsborough County
Estimated valuepricier than$320,25752% of homes33% of homes
Price per ft²pricier than$16946% of homes18% of homes
Living areabigger than1,896 ft²60% of homes61% of homes
Lot sizebigger than0.1 ac4% of homes7% of homes
Year builtnewer than202294% of homes97% of homes

About 990 Kelly Fern Loop

How much is 990 Kelly Fern Loop, Ruskin, FL worth?

The TopHap Estimate for 990 Kelly Fern Loop, Ruskin, FL is $320,257 as of Jul 14, 2026. The likely range is $305,233 to $335,281. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 990 Kelly Fern Loop, Ruskin, FL last sell?

990 Kelly Fern Loop, Ruskin, FL last sold on Nov 17, 2022 for $366,990, according to the county's recorded deed.

How big is 990 Kelly Fern Loop, Ruskin, FL?

990 Kelly Fern Loop, Ruskin, FL has 3 bedrooms, 2.5 bathrooms, 1,896 square feet of living space and a 0.10-acre lot.

When was 990 Kelly Fern Loop, Ruskin, FL built?

990 Kelly Fern Loop, Ruskin, FL was built in 2022, making it 4 years old. It is a contemporary home. The building has 2 stories.

What schools serve 990 Kelly Fern Loop, Ruskin, FL?

990 Kelly Fern Loop, Ruskin, FL is assigned to Earl J. Lennard High School (high), rated D+; Beth Shields Middle School (middle), rated D; Cypress Creek Elementary School (elementary), rated D. All sit in Hillsborough County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 990 Kelly Fern Loop, Ruskin, FL compare to other homes in Ruskin 33570?

Among the 12,343 homes in Ruskin 33570, it is worth more than 52% of them ($320,257 against a typical $316,543), its price per square foot is higher than 46% of them ($169 against a typical $171), it is bigger than 60% of them (1,896 ft² against a typical 1,782 ft²), its lot is bigger than 4% of them (0.1 ac against a typical 0.15 ac) and it is newer than 94% of them (2022 against a typical 2011). Measured against all of Hillsborough County, it is worth more than 33% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 990 Kelly Fern Loop, Ruskin, FL?

The 2025 property tax bill for 990 Kelly Fern Loop, Ruskin, FL was $4,581. The county assessed it at $247,614.

Closest homes

More homes in Ruskin 33570

Assigned schools

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