Miami-Dade County property record for 12 S Prospect Dr, Coral Gables, FL 33133
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,370 sqft · built 1960 |
| Lot Size | 0.278 acres (12,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $885,000 (Jan 2020) |
| Tax Bill | $18,192 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03-4128-023-0440 |
| Primary APN | 03-4128-023-0440 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,370 sqft Living Area |
| Gross Area | 3,317 sqft |
| 1st Floor Area | 2,370 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block/Hollow Tile/Frame |
| Construction Type | Concrete Block |
| Lot Area | 12,100 sqft (0.278 acres) |
| Lot Dimensions | 121 ft deep x 100 ft wide |
| Garage Area | 252 sqft |
| Porch | Porch |
| Porch Area | 157 sqft |
| Patio Area | 1,515 sqft |
| Street Address | 12 S PROSPECT DR |
|---|---|
| City | CORAL GABLES |
| State | FL |
| Zip | 33133-7004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | 28 & 29 54 41 SANS SOUCI REV & AMDPB 60-12 LOT 1 BLK 3 LOT SIZE100.000 X 121 OR 13523-4100 1287 1 |
| Legal Range | 41E |
| Legal Township | 54S |
| Legal Section | 28 |
| Legal Subdivision | SANS SOUCI REV & AMD |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KENDALL-PALMETTO BAY |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 8000 |
12 S Prospect Dr is owned and occupied by two individuals who bought it in January 2020.
Source: Miami-Dade County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 S PROSPECT DR, CORAL GABLES, FL 33133-7004 |
| 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.
| Date | Document |
|---|---|
| Jan 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2020 · Amount on File |
| Deed Sale | Jan 10, 2020 · Amount on File |
| Deed Document Number | 202026271 |
| Deed Book / Page | 31771 / 1476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 12 S PROSPECT DR, CORAL GABLES, FL 33133-7004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 12 S PROSPECT DR, CORAL GABLES, FL 33133-7004 |
| Document Number | 0000055918 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 34061/2690 |
| Instrument | 2024R0055918 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Jan 10, 2020 |
| Property Address | 12 S PROSPECT DR, CORAL GABLES, FL 33133-7004 |
| Document Number | 0000026271 |
| Book / Page | 31771 / 1476 |
| Map Reference | MB 60 PG 12 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2020R0026271 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1310 PRESERVATION WAY, 1310, OLDSMAR, FL 34677-4824 |
| Name | Verified Name |
|---|---|
| Address | 12 SOUTHY PROSPECT DRIVE, CORAL GABLES, FL 33133 |
| Document Number | 0000001478 |
|---|---|
| Date | Jan 10, 2020 |
| Instrument | 31771/1478 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Number | 0000026276 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 31771/1488 |
| Instrument | 2020R0026276 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 12 S Prospect Dr was $18,192 with a homeowner's exemption.
Source: Miami-Dade County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Coral Gables City |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,192.00 Homeowner's exemption | $1,006,148 | $1,997,351 Land $1,815,000 Building $182,351 |
| 2023 | $17,639.00 (+3.24%) Homeowner's exemption | $949,314 (+3%) | $1,573,476 (+33.96%) Land $1,391,125 Building $182,351 |
| 2022 | $17,085.00 Homeowner's exemption | $921,665 | $1,174,615 Land $992,264 Building $182,351 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 S Prospect Dr in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 137 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 945 units insured incl. 808 condo units |
| Nearby Flood Claims | 234 (1983–2022) |
| Claims Outside the SFHA | 3 of 234 |
| Most Recent Claim | Jun 2022 · rainfall accumulation |
| 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.
The area around 12 S Prospect Dr 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 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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