12322 Ter Bluff St, Riverview, FL 33579 Property Records

Hillsborough County property record for 12322 Ter Bluff St, Riverview, FL 33579

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,990 sqft · built 2024
Lot Size	0.187 acres (8,141 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2026)
Tax Bill	$6,130 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2024 Sale
Flood Zone	Zone A (high risk)
APN	`077436-3802`

Property Details

APN / Parcel Number

Primary APN	`077436-3802`
Alternative APN	`U043120D0O000010000060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,990 sqft Living Area
Gross Area	2,732 sqft
1st Floor Area	1,990 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,141 sqft (0.187 acres)
Lot Dimensions	148 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	504 sqft
Porch	Screened Porch
Porch Area	28 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0774363802
Street Address	12322 TERRACE BLUFF ST
City	RIVERVIEW
State	FL
Zip	33579-7772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	RIDGEWOOD SOUTH LOT 6 BLOCK 10
Legal Subdivision	RIDGEWOOD SOUTH
Legal Block	10
Legal Lot Number	6
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	2
Census Block	2006
Census Tract	13915

Owner

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	2 Individual Names on Record
Mailing Address	12322 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Mar 28, 2024	Special Warranty Deed, Transfer INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Mar 28, 2024 · Amount on Record
Deed Document Number	2026230716
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 16, 2026
Property Address	12322 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772
Document Number	0000230716
Instrument Date	Jun 12, 2026
Instrument	2026230716
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$282,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12322 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772

Mortgage

Document Number	0000230717,
Date	Jun 16, 2026
Instrument	2026230717

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000230718,
Date	Jun 16, 2026
Instrument	2026230718

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

March 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 28, 2024
Property Address	12322 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772
Document Number	0000132631
Map Reference	MB 144 PG 19-28
Instrument Date	Mar 26, 2024
Instrument	2024132631
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,923.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12322 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$338,839 (+72.91%) Land $95,639 Building $243,200	$338,839 (-0.13%) Land $95,639 Building $243,200
2025	$6,130.00 (+135.23%) Homeowner's exemption	$195,966 (+2,832.31%)	$339,276 (+4,976.7%) Land $95,639 Building $243,637
2023	$2,606.00	$6,683 Land $6,683	$6,683 Land $6,683

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 108 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	108 in force
Nearby Flood Claims	2 (2023–2024)
Claims Outside the SFHA	2 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.

Wildfire

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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