Hillsborough County property record for 10928 Spencer Ridge Ct, Riverview, FL 33578
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,584 sqft · built 2008 |
| Lot Size | 0.041 acres (1,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $137,000 (Jun 2017) |
| Tax Bill | $2,077 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072124-9152 |
| Primary APN | 072124-9152 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Living Area |
| Gross Area | 1,908 sqft |
| 1st Floor Area | 693 sqft |
| 2nd Floor Area | 1,386 sqft |
| Upper Floors Area | 198 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Townhouse |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 1,800 sqft (0.041 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0721249152 |
|---|---|
| Street Address | 10928 SPENCER RIDGE CT |
| City | RIVERVIEW |
| State | FL |
| Zip | 33578-4463 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD |
| Legal Description | ST CHARLES PLACE PHASE 6 LOT 116 |
| Legal Range | 20E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | ST CHARLES PLACE PHASE 6 |
| Legal Phase | 6 |
| Legal Tract | 92N |
| Legal Lot Number | 116 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | WIMAUMA-RIVERVIEW |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13410 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 10928 SPENCER RIDGE CT, RIVERVIEW, FL 33578-4463 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 5, 2017 | Warranty Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2017 · Amount on Record |
| Deed Sale | Jun 5, 2017 · Amount on Record |
| Prior Sale | Nov 4, 2008 · Amount on Record |
| Deed Document Number | 2017219337 |
| Deed Book / Page | 24992 / 1578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 10928 SPENCER RIDGE CT, RIVERVIEW, FL 33578-4463 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000144466 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 2021144466 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 5, 2017 |
| Property Address | 10928 SPENCER RIDGE CT, RIVERVIEW, FL 33578-4463 |
| Document Number | 0000219337 |
| Book / Page | 24992 / 1578 |
| Map Reference | MB108 PG274-280 |
| Instrument Date | May 31, 2017 |
| Instrument | 2017219337 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $959.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12616 AVELAR CREEK DR, 12616, RIVERVIEW, FL 33578-7623 |
| Name | Verified Name |
|---|---|
| Address | 10928 SPENCER RIDGE CT, RIVERVIEW, FL 33578-4463 |
| Document Number | 0000219338 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | 2017219338 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
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 | $148,220 (+2.7%) | $202,179 (-9.05%) Land $20,218 Building $181,961 | |
| 2025 | $2,077.00 (+12.94%) Homeowner's exemption | $144,323 (+5.99%) | $222,308 (-0.12%) Land $22,231 Building $200,077 |
| 2023 | $1,839.00 (+3.31%) Homeowner's exemption | $136,171 (+3%) | $222,570 (+15.56%) Land $22,257 Building $200,313 |
| 2022 | $1,780.00 Homeowner's exemption | $132,205 | $192,601 Land $19,260 Building $173,341 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 87 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 87 in force |
| Nearby Flood Claims | 11 (1982–2024) |
| Claims Outside the SFHA | 4 of 11 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% 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.
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 443 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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