Hillsborough County property record for 12388 Ter Bluff St, Riverview, FL 33579
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,710 sqft · built 2024 |
| Lot Size | 0.169 acres (7,353 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,900 (Feb 2024) |
| Tax Bill | $9,113 (2025) |
| Deeds & Mortgages | Feb 2025 Mortgage Feb 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 077436-3836 |
| Primary APN | 077436-3836 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| Gross Area | 2,413 sqft |
| 1st Floor Area | 1,710 sqft |
| Flooring | Carpet |
| 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 | 7,353 sqft (0.169 acres) |
| Lot Dimensions | 147 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Porch | Open Porch |
| Porch Area | 265 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0774363836 |
|---|---|
| Street Address | 12388 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 23 BLOCK 10 |
| Legal Subdivision | RIDGEWOOD SOUTH |
| Legal Block | 10 |
| Legal Lot Number | 23 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | WIMAUMA-RIVERVIEW |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 13915 |
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 | 12388 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 12, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 21, 2024 | Special Warranty Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2024 · Amount on Record |
| Deed Sale | Feb 21, 2024 · Amount on Record |
| Deed Document Number | 202474626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 12388 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12388 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772 |
| Investor | Possibly a Property Investor |
| Document Number | 0000058959 |
|---|---|
| Date | Feb 12, 2025 |
| Instrument | 2025058959 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Mar 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Feb 21, 2024 |
| Property Address | 12388 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772 |
| Document Number | 0000074626 |
| Map Reference | MB 144 PG 19-28 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024074626 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,799.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12388 TERRACE BLUFF ST, RIVERVIEW, FL 33579-7772 |
| Investor | Possibly a Property Investor |
| Document Number | 0000074627 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2024074627 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
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 | $316,958 (-0.2%) Land $104,500 Building $212,458 | $316,958 (-0.2%) Land $104,500 Building $212,458 | |
| 2025 | $9,113.00 (+248.22%) | $317,606 (+4,218.82%) Land $104,500 Building $213,106 | $317,606 (+4,218.82%) Land $104,500 Building $213,106 |
| 2023 | $2,617.00 | $7,354 Land $7,354 | $7,354 Land $7,354 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond 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 | 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 359 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 |
| AT&T Fixed Wireless | 100 / 20 |
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