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12381 SW 109th Ter, Miami, FL 33186 Property Records

Miami-Dade County property record for 12381 SW 109th Ter, Miami, FL 33186

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,899 sqft · built 1976
Lot Size0.262 acres (11,400 sqft)
Owner2 Individual Names on File
Tax Bill$4,852 (2025)
Deeds & MortgagesOct 2025 Transfer
Sep 2025 Transfer
+ 1 more
Flood ZoneZone AH (high risk)
APN30-5912-002-0630

Property Details

APN / Parcel Number

Primary APN30-5912-002-0630

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,899 sqft Living Area
Gross Area2,065 sqft
1st Floor Area1,899 sqft

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1993
Exterior MaterialConcrete Block/Hollow Tile/Frame
Construction TypeConcrete Block
Lot Area11,400 sqft (0.262 acres)
Patio Area735 sqft

Location & Zoning

Street Address12381 SW 109TH TER
CityMIAMI
StateFL
Zip33186-3710
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code0100
Legal DescriptionDEVON-AIRE ESTS SEC 2 PB 104-30 LOT 38 BLK 8 LOT SIZE 11400 SQ FT OR 14751-2402 1090 1 COC 21646-3183 08 2003 5
Legal Range39E
Legal Township55S
Legal Section12
Legal SubdivisionDEVON-AIRE ESTS
Legal Block8
Legal Lot Number38
JurisdictionDADE FL
Township / Civil DivisionKENDALE LAKES-TAMIAMI
Census Block Group3
Census Block3013
Census Tract19200

Owner

12381 SW 109th Ter is owned and occupied by two individuals who acquired it in July 2025.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record2 Individual Names on File
Mailing Address12381 SW 109TH TER, MIAMI, FL 33186-3710
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2025Intrafamily Transfer, Transfer
Sep 10, 2025Quit Claim Deed, Transfer
Quitclaim
Jun 12, 2023Deed of Trust, Mortgage · FHA Mortgage
KEVIN KULIK

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJul 31, 2025
Transfer Doc0000686302
Record UpdatedOct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionDADE FL
Recording DateOct 14, 2025
Property Address12381 SW 109TH TER, MIAMI, FL 33186-3710
Document Number0000774919
Book / Page34983 / 4906
Map ReferenceMB 104 PG 30
Instrument DateOct 8, 2025
Instrument2025R0774919
Transaction TypeTransfer
Record UpdatedOct 29, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address12381 SW 109TH TER, MIAMI, FL 33186-3710

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12381 SW 109TH TER, MIAMI, FL 33186-3710

September 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionDADE FL
Recording DateSep 10, 2025
Property Address12381 SW 109TH TER, MIAMI, FL 33186-3710
Document Number0000686302
Book / Page34933 / 2528
Map ReferenceMB 104 PG 30
Instrument DateJul 31, 2025
Instrument2025R0686302
Transaction TypeTransfer
Record UpdatedSep 26, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address12381 SW 109TH TER, MIAMI, FL 33186-3710

Transferred To (Grantee/Buyer)

NameVerified Name
Address12381 SW 109TH TER, MIAMI, FL 33186-3710

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address12381 SW 109TH TER, MIAMI, FL 33186-3710
Transaction TypeMortgage
Record UpdatedJul 12, 2023
Title CompanyZMAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address12381 SW 109TH TER, MIAMI, FL 33186-3710

Mortgage

Document Number0000401313
DateJun 12, 2023
Book Page33746/1345
Instrument2023R0401313
Lender
NameKEVIN KULIK
TypePrivate Party
Address126 RIVER OAKS RD, MELBOURNE BEACH, FL 32951
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 12381 SW 109th Ter was $4,852, up 2.8% from the year before.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMiami-Dade County
Unified School DistrictDade County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,852.00 (+2.77%)$285,748 (+2.9%)$596,344 (-1.9%) Land $415,800 Building $180,544
2024$4,721.00 (+3.76%) Homeowner's exemption$277,695 (+1.01%)$607,892 (+4.77%) Land $415,800 Building $192,092
2023$4,550.00 (+4.12%) Homeowner's exemption$274,928 (+3%)$580,210 (+10.24%) Land $359,100 Building $221,110
2022$4,370.00 Homeowner's exemption$266,921$526,307 Land $302,400 Building $223,907

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12381 SW 109th Ter in Zone AH, 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 ZoneZone AH
high risk · shallow ponding 1–3 ft
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 353 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies353 in force
Nearby Flood Claims47 (1979–2017)
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Wilma, Oct 2005 · 4 claims
  • Hurricane Irene, Oct 1999 · 9 claims
  • Hurricane Andrew, Aug 1992 · 17 claims

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

Wildfire risk around 12381 SW 109th Ter is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemMDWASA - MAIN SYSTEM
serves 2,377,460 people · EPA ID FL4130871
Water SourceGroundwater
Last State InspectionDec 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 612 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: SkyNet360.

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