10604 Whispering Hammock Dr, Riverview, FL 33578 Property Records

Hillsborough County property record for 10604 Whispering Hammock Dr, Riverview, FL 33578

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,528 sqft · built 2017
Lot Size	0.133 acres (5,801 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Jun 2018)
Tax Bill	$4,025 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077285-2986`

Property Details

APN / Parcel Number

Primary APN	`077285-2986`
Alternative APN	`U323020A10000009000220`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,528 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	1,058 sqft
Upper Floors Area	1,470 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,801 sqft (0.133 acres)
Lot Dimensions	118 ft deep x 49.1 ft wide
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0772852986
Street Address	10604 WHISPERING HAMMOCK DR
City	RIVERVIEW
State	FL
Zip	33578-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	SANCTUARY PHASE 2 LOT 22 BLOCK 9
Legal Range	20E
Legal Township	30S
Legal Section	32
Legal Subdivision	SANCTUARY PHASE 2
Legal Phase	2
Legal Block	9
Legal Lot Number	22
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	2
Census Block	2043
Census Tract	13807

Owner

Source: Hillsborough County records, as of September 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10604 WHISPERING HAMMOCK DR, RIVERVIEW, FL 33578-3423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 11, 2020	Deed of Trust, Mortgage · Conventional with PMI GOLD STAR MTG FIN'L
Jun 29, 2018	Warranty Deed, Transfer · Conventional with PMI INTERSTATE HM LN CTR
Mar 3, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	Mar 3, 2017 · Amount on File
Deed Document Number	2018259619
Deed Book / Page	25879 / 349
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	10604 WHISPERING HAMMOCK DR, RIVERVIEW, FL 33578-3423
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10604 WHISPERING HAMMOCK DR, RIVERVIEW, FL 33578-3423

Mortgage

Document Number	0000066703
Date	Feb 17, 2025
Instrument	2025066703

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	10604 WHISPERING HAMMOCK DR, RIVERVIEW, FL 33578-3423
Document Number	0000552988
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10604 WHISPERING HAMMOCK DR RIVERVIEW FL 335783423, RIVERVIEW, FL 33578-3423

Mortgage

Document Number	0000552988
Date	Dec 28, 2020
Instrument	552988

Lender

Name	GOLD STAR MTG FIN'L
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 29, 2018
Property Address	10604 WHISPERING HAMMOCK DR, RIVERVIEW, FL 33578-3423
Document Number	0258790349
Book / Page	025879 / 000349
Instrument Date	Jun 15, 2018
Instrument	259619
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	STRATEGIC TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10604 WHISPERING HAMMOCK DR RIVERVIEW FL 335783423, RIVERVIEW, FL 33578-3423

Mortgage

Document Number	258790351
Date	Jun 29, 2018
Book Page	025879/000351
Instrument	259620

Lender

Name	INTERSTATE HM LN CTR
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 3, 2017
Property Address	10604 WHISPERING HAMMOCK DR, RIVERVIEW, FL 33578-3423
Document Number	0247700645
Book / Page	024770 / 000645
Instrument Date	Feb 28, 2017
Instrument	83306
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 29, 2017
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10604 WHISPERING HAMMOCK DR RIVERVIEW FL 335783423, RIVERVIEW, FL 33578-3423

Mortgage

Document Number	247700665
Date	Mar 3, 2017
Book Page	024770/000665
Instrument	83308

Lender

Name	HOUSING FIN AGCY
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	247700646,
Date	Mar 3, 2017
Book Page	024770/000646
Instrument	83307

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2047

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		$221,672 (+2.7%)	$326,506 (-3.83%) Land $83,758 Building $242,748
2025	$4,025.00 (+12.37%) Homeowner's exemption	$215,844 (+5.99%)	$339,523 (+1.37%) Land $90,201 Building $249,322
2023	$3,582.00 (+3.92%) Homeowner's exemption	$203,651 (+3%)	$334,950 (+7.32%) Land $86,979 Building $247,971
2022	$3,447.00 Homeowner's exemption	$197,719	$312,098 Land $77,315 Building $234,783

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 File median of 55 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	6 (2020–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Debby, Aug 2024 · 2 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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