10108 Judy Rd, Dover, FL 33527 Property Records

Hillsborough County property record for 10108 Judy Rd, Dover, FL 33527

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,597 sqft · built 2020
Lot Size	1.11 acres (48,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Oct 2019)
Tax Bill	$3,638 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jan 2021 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081566-3164`

Property Details

APN / Parcel Number

Primary APN	`081566-3164`
Alternative APN	`U1828219HQ000000000070`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,597 sqft Living Area
Gross Area	2,129 sqft
1st Floor Area	1,597 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	48,620 sqft

Exterior Amenities

Porch	Open Porch
Shed	1 Shed
Utility Building	280 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0815663164
Street Address	10108 JUDY RD
City	DOVER
State	FL
Zip	33527-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AS-1
Legal Description	JUDY ROAD ESTATES LOT 7
Legal Range	21E
Legal Township	28S
Legal Section	18
Legal Subdivision	JUDY ROAD ESTATES
Legal Tract	9HQ
Legal Lot Number	7
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	1
Census Block	1001
Census Tract	10304

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 Record	2 Individual Names on Record
Mailing Address	10108 JUDY RD, DOVER, FL 33527-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jan 15, 2021	Loan Modification, Mortgage CENTENNIAL BK
Oct 28, 2019	Warranty Deed, Transfer · Conventional Mortgage GTE FCU
Sep 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Prior Sale	Jun 10, 2009 · Amount on Record
Deed Document Number	2019463398
Deed Book / Page	27061 / 1713
Prior Transfer Date	May 8, 2018
Prior Transfer Doc	0260490399
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	10108 JUDY RD, DOVER, FL 33527-3603
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10108 JUDY RD, DOVER, FL 33527-3603

Mortgage

Document Number	0000029024
Date	Jan 23, 2023
Instrument	2023029024

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 22, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HILLSBOROUGH FL
Property Address	10108 JUDY RD, DOVER, FL 33527-3603
Document Number	0000023222
Instrument Date	Jan 15, 2021
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10108 JUDY RD DOVER FL 335273603, DOVER, FL 33527-3603

Mortgage

Document Number	0000023222
Date	Jan 15, 2021
Instrument	23222

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 28, 2019
Property Address	10108 JUDY RD, DOVER, FL 33527-3603
Document Number	0000463398
Book / Page	27061 / 1713
Map Reference	MB 115 PG 261-263
Instrument Date	Oct 22, 2019
Instrument	2019463398
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	FOUNDATION TITLE & TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9962 ART ACRES RD, 9962, DOVER, FL 33527-3620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11437 LAUREL BROOK CT, RIVERVIEW, FL 33569-2021

Mortgage

Document Number	0270611715
Date	Oct 28, 2019
Instrument	27061/1715

Lender

Name	GTE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	11%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Sep 10, 2018
Property Address	10108 JUDY RD, DOVER, FL 33527-3603
Document Number	0260490399
Book / Page	026049 / 000399
Instrument Date	May 8, 2018
Instrument	362752
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9962 ART ACRES RD DOVER FL 335273620, DOVER, FL 33527-3620

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$190,425 (+2.7%)	$315,221 (-1.2%) Land $71,662 Building $243,559
2025	$3,638.00 (-1.57%) Homeowner's exemption Veteran's exemption	$185,419 (+68.45%)	$319,057 (+34.12%) Land $65,887 Building $253,170
2024	$3,696.00 (+128.71%)
2023	$1,616.00 (+9.26%) Homeowner's exemption Veteran's exemption	$110,072 (+3%)	$237,897 (-0.07%) Land $55,492 Building $182,405
2022	$1,479.00 Homeowner's exemption Veteran's exemption	$106,866	$238,074 Land $47,984 Building $190,090

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	33 (1988–2024)
Claims Outside the SFHA	1 of 33
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 24 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 Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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

May also be available: T-Mobile.

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