Miami-Dade County property record for 10943 SW 38th Ter, Miami, FL 33165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,134 sqft · built 1985 |
| Lot Size | 0.088 acres (3,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Aug 1995) |
| Tax Bill | $1,745 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-4018-071-0060 |
| Primary APN | 30-4018-071-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,134 sqft Living Area |
| Gross Area | 1,266 sqft |
| 1st Floor Area | 1,134 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Lot Area | 3,850 sqft (0.088 acres) |
| Patio Area | 225 sqft |
| Street Address | 10943 SW 38TH TER |
|---|---|
| City | MIAMI |
| State | FL |
| Zip | 33165-4447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3700 |
| Legal Description | GARLIN SUB PB 126-70 LOT 3B BLK 1 LOT SIZE 3850 SQ FT M/L OR 16904-444 0895 1 |
| Legal Range | 40E |
| Legal Township | 54S |
| Legal Section | 18 |
| Legal Subdivision | GARLIN SUB |
| Legal Block | 1 |
| Legal Lot Number | 3B |
| Jurisdiction | DADE FL |
| Township / Civil Division | SOUTH WESTSIDE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 8810 |
10943 SW 38th Ter is owned and occupied by two individuals who bought it in August 1995.
Source: Miami-Dade County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10943 SW 38TH TER, MIAMI, FL 33165-4447 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1995 · Amount on File |
| Deed Sale | Aug 31, 1995 · Amount on File |
| Deed Book / Page | 16904 / 444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 10943 SW 38TH TER, MIAMI, FL 33165-4447 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10943 SW 38TH TER, MIAMI, FL 33165-4447 |
| Document Number | 0000268674 |
|---|---|
| Date | Apr 2, 2022 |
| Book Page | 33103/3261 |
| Instrument | 2022R0268674 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 10943 SW 38th Ter was $1,745 with a homeowner's exemption.
Source: Miami-Dade County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,745.00 Homeowner's exemption | $102,255 | $398,808 Land $231,000 Building $167,808 |
| 2023 | $1,507.00 (+6.28%) Homeowner's exemption | $96,480 (+3%) | $311,444 (+35.6%) Land $177,100 Building $134,344 |
| 2022 | $1,418.00 Homeowner's exemption | $93,670 | $229,683 Land $94,325 Building $135,358 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10943 SW 38th Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 25, 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 14 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 14 in force |
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.
The area around 10943 SW 38th Ter has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 393 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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