13840 SW 109th St, Miami, FL 33186 Property Records

Miami-Dade County property record for 13840 SW 109th St, Miami, FL 33186

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,095 sqft · built 1979
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Aug 2018)
Tax Bill	$6,295 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Aug 2018 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`30-5910-004-2420`

Property Details

APN / Parcel Number

Primary APN	`30-5910-004-2420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,095 sqft Living Area
Gross Area	2,898 sqft
1st Floor Area	2,095 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Patio Area	350 sqft

Location & Zoning

Street Address	13840 SW 109TH ST
City	MIAMI
State	FL
Zip	33186-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	SHORES-CALUSA PB 108-21 LOT 23 BLK 8 LOT SIZE 75X100 OR 14447-2663 0290 1 COC 21808-4529 10 2003 4
Legal Range	39E
Legal Township	55S
Legal Section	10
Legal Subdivision	SHORES-CALUSA
Legal Block	8
Legal Lot Number	23
Jurisdiction	DADE FL
Township / Civil Division	KENDALE LAKES-TAMIAMI
Census Block Group	2
Census Block	2015
Census Tract	18801

Owner

13840 SW 109th St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	13840 SW 109TH ST, MIAMI, FL 33186-3204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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

Date	Document
Apr 17, 2025	Deed of Trust, Mortgage · Line of Credit PMAC LENDING SERVICES INC
Aug 13, 2018	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2018 · Amount on File
Deed Sale	Aug 13, 2018 · Amount on File
Deed Document Number	2018489977
Deed Book / Page	31098 / 2629
Prior Transfer Date	Oct 22, 2003
Prior Transfer Doc	0000838870
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	13840 SW 109TH ST, MIAMI, FL 33186-3204
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13840 SW 109TH ST, MIAMI, FL 33186-3204

Mortgage

Document Number	0000292046
Date	Apr 17, 2025
Book Page	34714/525
Instrument	2025R0292046

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Aug 13, 2018
Property Address	13840 SW 109TH ST, MIAMI, FL 33186-3204
Document Number	0000489977
Book / Page	31098 / 2629
Map Reference	MB 108 PG 21
Instrument Date	Jul 27, 2018
Instrument	2018R0489977
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FLAMINGO TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1322 BLACKHAWK TRAIL S, 1322, JACKSONVILLE, FL 32225

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13840 SW 109TH ST, MIAMI, FL 33186-3204

Mortgage

Document Number	0000489978
Date	Aug 13, 2018
Instrument	2018R0489978

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13840 SW 109th St was $6,295 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,295.00 Homeowner's exemption	$371,029	$505,927 Land $300,000 Building $205,927
2023	$5,831.00 (+4.37%) Homeowner's exemption	$350,071 (+3.48%)	$506,523 (+17.21%) Land $285,000 Building $221,523
2022	$5,587.00 Homeowner's exemption	$338,313	$432,164 Land $210,000 Building $222,164

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

Flood

FEMA maps place 13840 SW 109th St 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 Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 417 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	417 in force
Nearby Flood Claims	19 (1997–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Severe Storms And Flooding, Oct 2000 · 4 claims Hurricane Irene, Oct 1999 · 5 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

The area around 13840 SW 109th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 System	MDWASA - MAIN SYSTEM serves 2,377,460 people · EPA ID FL4130871
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 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	6 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 569 locations within half a mile, as of December 31, 2025

Provider	Max 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

May also be available: T-Mobile.

Nearby Properties on SW 109th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures