10838 SW 228th Ter, Miami, FL 33170 Property Records

Miami-Dade County property record for 10838 SW 228th Ter, Miami, FL 33170

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,502 sqft · built 2005
Lot Size	0.123 acres (5,366 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Dec 2022)
Tax Bill	$9,477 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2025 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`30-6018-026-1610`

Property Details

APN / Parcel Number

Primary APN	`30-6018-026-1610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,502 sqft Living Area
Gross Area	1,988 sqft
1st Floor Area	1,502 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block/Stucco
Roof Type	Rigid Frame Bar Joist
Roof Material	Other
Lot Area	5,366 sqft (0.123 acres)
View / Lot	Corner
Garage Area	280 sqft
Porch	Porch
Porch Area	33 sqft

Location & Zoning

Street Address	10838 SW 228TH TER
City	MIAMI
State	FL
Zip	33170-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0102
Legal Description	SILVER PALM LAKE PB 161-71T-21380 LOT 1BLK 9 LOT SIZE 5366 SQ FT COC 23926-0844 09 2005 1
Legal Range	40E
Legal Township	56S
Legal Section	18
Legal Subdivision	SILVER PALM LAKE
Legal Block	9
Legal Lot Number	1
Jurisdiction	DADE FL
Township / Civil Division	PRINCETON-GOULDS
Census Block Group	3
Census Block	3003
Census Tract	10622

Owner

10838 SW 228th Ter is owned and occupied by an individual who bought it in December 2022.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	10838 SW 228TH TER, MIAMI, FL 33170-7509
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 13, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 29, 2022	Warranty Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Dec 27, 2017	Loan Modification, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2022 · Amount on File
Deed Sale	Dec 29, 2022 · Amount on File
Prior Sale	Nov 3, 2005 · Amount on File
Deed Document Number	2022965980
Deed Book / Page	33522 / 3885
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	10838 SW 228TH TER, MIAMI, FL 33170-7509
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10838 SW 228TH TER, MIAMI, FL 33170-7509

Mortgage

Document Number	0000206005
Date	Mar 18, 2024
Book Page	34139/4
Instrument	2024R0206005

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Jan 1, 2053

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	10838 SW 228TH TER, MIAMI, FL 33170-7509
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10838 SW 228TH TER, MIAMI, FL 33170-7509

Mortgage

Document Number	0000454353
Date	Jun 13, 2025
Book Page	34801/3131
Instrument	2025R0454353

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2065

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Dec 29, 2022
Property Address	10838 SW 228TH TER, MIAMI, FL 33170-7509
Document Number	0000965980
Book / Page	33522 / 3885
Map Reference	MB 161 PG 71
Instrument Date	Dec 23, 2022
Instrument	2022R0965980
Transaction Type	Transfer
Record Updated	Jan 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,880.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23214 GOLDCOAST AVE, PORT CHARLOTTE, FL 33980-1927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10838 SW 228TH TER, MIAMI, FL 33170-7509

Mortgage

Document Number	0000003887
Date	Dec 29, 2022
Instrument	33522/3887

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DADE FL
Property Address	10838 SW 228TH TER, MIAMI, FL 33170-7509
Document Number	0000055630
Book / Page	030843 / 000436
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10838 SW 228TH TER MIAMI FL 331707509, MIAMI, FL 33170-7509

Mortgage

Document Number	0000055630
Date	Jan 26, 2018
Book Page	030843/000436
Instrument	55630

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	480 Months
Due	Jan 25, 2058

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 10838 SW 228th Ter was $9,477, up 2.2% from the year before.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,477.00 (+2.18%)	$424,709 (+2.93%) Land $155,490 Building $269,219	$424,709 (+2.93%) Land $155,490 Building $269,219
2024	$9,275.00 (+6.36%)	$412,639 (+7.36%) Land $155,490 Building $257,149	$412,639 (+7.36%) Land $155,490 Building $257,149
2023	$8,720.00 (+205.54%)	$384,336 (+264.99%) Land $124,392 Building $259,944	$384,336 (+19.03%) Land $124,392 Building $259,944
2022	$2,854.00 Homeowner's exemption	$105,299	$322,899 Land $88,111 Building $234,788

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10838 SW 228th Ter in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 443 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	443 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 10838 SW 228th Ter is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	MDWASA - MAIN SYSTEM serves 2,377,460 people · EPA ID FL4130871
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 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	6 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 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
SkyNet360 Fixed Wireless	160 / 35

May also be available: T-Mobile.

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