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12728 Lemon Pepper Dr, Riverview, FL 33578 Property Records

Hillsborough County property record for 12728 Lemon Pepper Dr, Riverview, FL 33578

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 2,264 sqft · built 2019
Lot Size0.101 acres (4,400 sqft)
Owner2 Individual Names on Record
Last Sale$375,000 (Jan 2025)
Tax Bill$8,019 (2025)
Deeds & MortgagesSep 2025 Mortgage
Jan 2025 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN077479-4322

Property Details

APN / Parcel Number

Primary APN077479-4322
Alternative APN
  • U073120A8I000003000110

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,264 sqft Living Area
Gross Area2,734 sqft
1st Floor Area910 sqft
Upper Floors Area1,354 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2022
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,400 sqft (0.101 acres)
Lot Dimensions110 ft deep x 40 ft wide
Garage TypeAttached
Garage Area420 sqft
PorchOpen Porch
Porch Area100 sqft
Patio Area350 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0774794322
Street Address12728 LEMON PEPPER DR
CityRIVERVIEW
StateFL
Zip33578-7583
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionTWIN CREEKS PHASES 1 AND 2 LOT 11 BLOCK 3
Legal Range20E
Legal Township31S
Legal Section07
Legal SubdivisionTWIN CREEKS PHASES 1 AND 2
Legal Block3
Legal Lot Number11
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionWIMAUMA-RIVERVIEW
Census Block Group2
Census Block2031
Census Tract13807

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 Record2 Individual Names on Record
Mailing Address7819 CARRIAGE POINTE DR, GIBSONTON, FL 33534-3006
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2025Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 24, 2025Warranty Deed, Transfer · FHA Mortgage
PARAMOUNT RESIDENTIAL MORTGAGE GROU
Jul 18, 2022Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Feb 24, 2020Deed of Trust, Mortgage · VA Mortgage
VILLAGE CAP & INVS
Jul 19, 2019Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
EAGLE HOME MORTGAGE LLC
Dec 10, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 24, 2025 · Amount on Record
Deed SaleJan 24, 2025 · Amount on Record
Prior SaleJul 18, 2022 · Amount on Record
Deed Document Number202530027
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
Transaction TypeMortgage
Record UpdatedDec 18, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583

Mortgage

Document Number0000398008
DateSep 12, 2025
Instrument2025398008
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2055

January 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJan 24, 2025
Property Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
Document Number0000030027
Map ReferenceMB 129 PG 179-191
Instrument DateJan 22, 2025
Instrument2025030027
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanyMILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2208 NIAGARA DR, TROY, MI 48083-5934

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address7819 CARRIAGE POINTE DR, GIBSONTON, FL 33534-3006

Mortgage

Document Number0000030028
DateJan 24, 2025
Instrument2025030028
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROU
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2055

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJul 18, 2022
Property Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
Document Number0000353242
Map ReferenceMB 129 PG 179
Instrument DateJul 15, 2022
Instrument2022353242
Transaction TypeTransfer
Record UpdatedDec 18, 2025
Title CompanyAMERICAN GUARDIAN TITLE USA INC, AMERICAN GUARDIAN TTL USA IN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address476 RILEY LN, GROVETOWN, GA 30813-3189

Transferred To (Grantee/Buyer)

NameVerified Name
Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
InvestorPossibly a Property Investor

Mortgage

Document Number0000353243
DateJul 18, 2022
Instrument2022353243
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
Document Number0000189175
Instrument DateFeb 24, 2020
Transaction TypeMortgage
Record UpdatedJun 8, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address12728 LEMON PEPPER DR RIVERVIEW FL 335787583, RIVERVIEW, FL 33578-7583

Mortgage

Document Number0000189175
DateMay 7, 2020
Instrument189175
Lender
NameVILLAGE CAP & INVS
TypeFunding / Finance Company
AddressHENDERSON, NV 89052
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 6, 2050

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJul 19, 2019
Property Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
Document Number0000309586
Book / Page26799 / 1842
Map ReferenceMB 129 PG 179
Instrument DateJul 16, 2019
Instrument2019309586
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 3, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,601.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4600 W CYPRESS ST STE 200, 4600, TAMPA, FL 33607-4099

Transferred To (Grantee/Buyer)

NameVerified Name
Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583

Mortgage

Document Number0267991846
DateJul 19, 2019
Instrument26799/1846
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2049

December 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHILLSBOROUGH FL
Recording DateDec 10, 2018
Property Address12728 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583
Document Number0262641176
Book / Page026264 / 001176
Instrument DateDec 6, 2018
Instrument495638
Transaction TypeTransfer
Record UpdatedJan 2, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$4,844.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4600 W CYPRESS ST #200 TAMPA FL 336074099, 200, TAMPA, FL 33607-4099
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$293,982 (+4.01%) Land $66,352 Building $227,630$293,982 (+4.01%) Land $66,352 Building $227,630
2025$8,019.00 (+15.17%)$282,641 (-3.41%) Land $66,352 Building $216,289$282,641 (-3.41%) Land $66,352 Building $216,289
2023$6,963.00 (+4.86%) Homeowner's exemption$292,623 (+6.3%) Land $66,352 Building $226,271$292,623 (+6.3%) Land $66,352 Building $226,271
2022$6,640.00$275,286 Land $54,912 Building $220,374$275,286 Land $54,912 Building $220,374

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 55 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies55 in force
Nearby Flood Claims6 (2020–2024)
Claims Outside the SFHA2 of 6
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 3 claims
  • Hurricane Debby, Aug 2024 · 2 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

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

Wildfire RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.06% 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 SystemHCWRD/SOUTH-CENTRAL
serves 515,012 people · EPA ID FL6290787
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

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

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