Hillsborough County property record for 10978 Winter Crest Dr, Riverview, FL 33569
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2.5 ba · 1,340 sqft · built 2004 |
| Lot Size | 0.025 acres (1,088 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $157,500 (Jul 2021) |
| Tax Bill | $2,675 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077285-1226 |
| Primary APN | 077285-1226 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,340 sqft Living Area |
| Gross Area | 1,445 sqft |
| 1st Floor Area | 643 sqft |
| 2nd Floor Area | 1,286 sqft |
| Upper Floors Area | 54 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Townhouse |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 1,088 sqft (0.025 acres) |
| Porch | Open Porch |
| Porch Area | 105 sqft |
| Patio Area | 68 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0772851226 |
|---|---|
| Street Address | 10978 WINTER CREST DR |
| City | RIVERVIEW |
| State | FL |
| Zip | 33569-2052 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD |
| Legal Description | RIVERCREST TOWNHOMES WEST PHASE 1 LOT 5 BLOCK 11 |
| Legal Range | 20E |
| Legal Township | 30S |
| Legal Section | 32 |
| Legal Subdivision | RIVERCREST TOWNHOMES WEST PHASE 1 |
| Legal Phase | 1 |
| Legal Tract | 60J |
| Legal Block | 11 |
| Legal Lot Number | 5 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | WIMAUMA-RIVERVIEW |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 13924 |
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 | 10978 WINTER CREST DR, RIVERVIEW, FL 33569-2052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP |
| Sep 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FIN'L |
| Oct 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Jan 13, 2017 | Warranty Deed, Transfer · FHA Mortgage ANGEL OAK HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on Record |
| Deed Sale | Jul 23, 2021 · Amount on Record |
| Prior Sale | Oct 4, 2018 · Amount on Record |
| Deed Document Number | 2021371015 |
| Prior Transfer Date | Oct 7, 2010 |
| Prior Transfer Doc | 0000384315 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jul 23, 2021 |
| Property Address | 10978 WINTER CREST DR, RIVERVIEW, FL 33569-2052 |
| Document Number | 2021371015 |
| Map Reference | MB 93 PG 12 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2021371015 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,102.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6003 LYON RD, 6003, SPRING HILL, FL 34606-1005 |
| Name | Verified Name |
|---|---|
| Address | 10978 WINTER CREST DR, RIVERVIEW, FL 33569-2052 |
| Document Number | 2021371016 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 2021371016 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 10978 WINTER CREST DR, RIVERVIEW, FL 33569-2052 |
| Document Number | 0000392381 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 10978 WINTER CREST DR RIVERVIEW FL 335692052, RIVERVIEW, FL 33569-2052 |
| Document Number | 0000392381 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 392381 |
| Name | CHRISTENSEN FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 22, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 4, 2018 |
| Property Address | 10978 WINTER CREST DR, RIVERVIEW, FL 33569-2052 |
| Document Number | 0000404163 |
| Book / Page | 26115 / 1130 |
| Map Reference | MB 93 PG 12 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 2018404163 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10978 WINTER CREST DR, 10978, RIVERVIEW, FL 33569-2052 |
| Name | Verified Name |
|---|---|
| Address | 8232 SUMMER WOOD LN, RIVERVIEW, FL 33578-8600 |
| Document Number | 0000404164 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 2018404164 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 13, 2017 |
| Property Address | 10978 WINTER CREST DR, RIVERVIEW, FL 33569-2052 |
| Document Number | 0246660143 |
| Book / Page | 024666 / 000143 |
| Instrument Date | Jan 6, 2017 |
| Instrument | 19052 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2017 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $794.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10978 WINTER CREST DR RIVERVIEW FL 335692052, RIVERVIEW, FL 33569-2052 |
| Document Number | 246660145, |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 024666/000145 |
| Instrument | 19053 |
| Name | ANGEL OAK HM LOANS |
|---|---|
| Address | ATLANTA, GA 30305 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 12, 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 | $157,746 (+2.7%) | $163,153 (-10.74%) Land $16,270 Building $146,883 | |
| 2025 | $2,675.00 (+9.18%) Homeowner's exemption | $153,599 (+5.99%) | $182,791 (+2.99%) Land $18,234 Building $164,557 |
| 2024 | $2,450.00 (-0.49%) | ||
| 2023 | $2,462.00 (-5.09%) Homeowner's exemption | $144,922 (+3%) | $177,490 (+26.15%) Land $17,708 Building $159,782 |
| 2022 | $2,594.00 Homeowner's exemption | $140,701 Land $14,029 Building $126,672 | $140,701 Land $14,029 Building $126,672 |
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 85 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 85 in force |
| Nearby Flood Claims | 2 (2010–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 635 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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