Hillsborough County property record for 12770 Lemon Pepper Dr, Riverview, FL 33578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,432 sqft · built 2017 |
| Lot Size | 0.129 acres (5,638 sqft) |
| Owner | Individual Name on File |
| Last Sale | $218,000 (May 2020) |
| Tax Bill | $5,672 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077479-4522 |
| Primary APN | 077479-4522 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,432 sqft Living Area |
| Gross Area | 1,869 sqft |
| 1st Floor Area | 1,432 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,638 sqft (0.129 acres) |
| Lot Dimensions | 110 ft deep x 51.3 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 38 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0774794522 |
|---|---|
| Street Address | 12770 LEMON PEPPER DR |
| City | RIVERVIEW |
| State | FL |
| Zip | 33578-7583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | TWIN CREEKS PHASES 1 AND 2 LOT 10 BLOCK 7 |
| Legal Range | 20E |
| Legal Township | 31S |
| Legal Section | 07 |
| Legal Subdivision | TWIN CREEKS PHASES 1 AND 2 |
| Legal Block | 7 |
| Legal Lot Number | 10 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | WIMAUMA-RIVERVIEW |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 13807 |
12770 Lemon Pepper Dr is owned and occupied by an individual who bought it in May 2020.
Source: Hillsborough County records, as of September 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 5, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage KIND LENDING LLC |
| May 19, 2020 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 1, 2017 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on File |
| Deed Sale | May 19, 2020 · Amount on File |
| Prior Sale | Dec 1, 2017 · Amount on File |
| Deed Document Number | 2020206535 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Investor | Possibly a Property Investor |
| Document Number | 0000272525 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 2022272525 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | JOHNSTON, RI 02919 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 11, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | KLEER TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Investor | Possibly a Property Investor |
| Document Number | 0000358900 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 2021358900 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Document Number | 0000095558 |
|---|---|
| Date | Mar 5, 2025 |
| Instrument | 2025095558 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | May 19, 2020 |
| Property Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Document Number | 0000206535 |
| Map Reference | MB 129 PG 179-191 |
| Instrument Date | May 15, 2020 |
| Instrument | 2020206535 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | LEADING EDGE TTL OF BRANDON |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,526.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12002 CINNAMON FERN DR, 12002, RIVERVIEW, FL 33579-4124 |
| Name | Verified Name |
|---|---|
| Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Document Number | 0000206536 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 2020206536 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Dec 1, 2017 |
| Property Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Document Number | 0000462315 |
| Book / Page | 25396 / 1646 |
| Map Reference | MB129 PG179 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 2017462315 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,376.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4600 W CYPRESS ST STE 200, 4600, TAMPA, FL 33607-4099 |
| Name | Verified Name |
|---|---|
| Address | 12770 LEMON PEPPER DR, RIVERVIEW, FL 33578-7583 |
| Document Number | 0253961650 |
|---|---|
| Date | Dec 1, 2017 |
| Book Page | 25396/1650 |
| Instrument | 2017462316 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 12770 Lemon Pepper Dr was $5,672 with a homeowner's exemption.
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 | $198,897 (+2.7%) | $254,739 (+3.02%) Land $82,577 Building $172,162 | |
| 2025 | $5,672.00 Homeowner's exemption | $193,668 | $247,281 Land $82,577 Building $164,704 |
| 2023 | $5,091.00 (+3.35%) Homeowner's exemption | $182,728 (+3%) | $247,857 (+6.52%) Land $82,577 Building $165,280 |
| 2022 | $4,926.00 Homeowner's exemption | $177,406 | $232,693 Land $68,340 Building $164,353 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12770 Lemon Pepper Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 6 (2020–2024) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 12770 Lemon Pepper Dr is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% 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 377 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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