Hillsborough County property record for 15906 Dover Cliffe Dr, Lutz, FL 33548
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,942 sqft · built 1983 |
| Lot Size | 0.352 acres (15,319 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $379,000 (Dec 2019) |
| Tax Bill | $4,712 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017356-1086 |
| Primary APN | 017356-1086 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,942 sqft Living Area |
| Gross Area | 4,119 sqft |
| 1st Floor Area | 1,434 sqft |
| Upper Floors Area | 1,508 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,319 sqft (0.352 acres) |
| Lot Dimensions | 138 ft deep x 101 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 649 sqft |
| Deck Area | Deck Area |
| Patio Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0173561086 |
|---|---|
| Street Address | 15906 DOVER CLIFFE DR |
| City | LUTZ |
| State | FL |
| Zip | 33548-6122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC-4 |
| Legal Description | FAIRCLOTH ESTATES LOT 3 BLOCK 3 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 36 |
| Legal Subdivision | FAIRCLOTH ESTATES |
| Legal Tract | SN |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 11107 |
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 | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION |
| Feb 3, 2023 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Feb 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Jun 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional with PMI AMERIFIRST HM MTG |
| Dec 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2019 · Amount on Record |
| Deed Sale | Dec 16, 2019 · Amount on Record |
| Prior Sale | Sep 2, 1993 · Amount on Record |
| Deed Document Number | 2019539299 |
| Deed Book / Page | 27193 / 1973 |
| Prior Transfer Date | Oct 17, 2012 |
| Prior Transfer Doc | 0000402387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Document Number | 0000253981 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026253981 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Document Number | 0000253981, |
|---|---|
| Date | Jul 1, 2026 |
| Instrument | 2026253981 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Document Number | 0000046727 |
|---|---|
| Date | Feb 3, 2023 |
| Instrument | 2023046727 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | 11904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 2, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0247361206 |
|---|---|
| Date | Feb 16, 2017 |
| Book Page | 24736/1206 |
| Instrument | 2017062341 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0267391920 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | 26739/1920 |
| Instrument | 2019274474 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Document Number | 0000523544 |
| Instrument Date | Dec 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | BROKERS TITLE/TAMPA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15906 DOVER CLIFFE DR LUTZ FL 335486122, LUTZ, FL 33548-6122 |
| Document Number | 0000523544 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 523544 |
| Name | AMERIFIRST HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | KALAMAZOO, MI 49002 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Dec 16, 2019 |
| Property Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Document Number | 0000539299 |
| Book / Page | 27193 / 1973 |
| Map Reference | MB 49 PG 26 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 2019539299 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | ARROW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,653.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 PEARL AVE, 110, PANAMA CITY BEACH, FL 32413-2214 |
| Name | Verified Name |
|---|---|
| Address | 15906 DOVER CLIFFE DR, LUTZ, FL 33548-6122 |
| Document Number | 0271931974 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 27193/1974 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 | $268,500 (+2.7%) | $496,641 (+1.72%) Land $112,619 Building $384,022 | |
| 2025 | $4,712.00 (+13.19%) Homeowner's exemption | $261,441 (+5.99%) | $488,238 (-0.84%) Land $98,542 Building $389,696 |
| 2023 | $4,163.00 (+4.97%) Homeowner's exemption | $246,673 (+3%) | $492,355 (+4.59%) Land $77,426 Building $414,929 |
| 2022 | $3,966.00 Homeowner's exemption | $239,488 | $470,756 Land $70,387 Building $400,369 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 92 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 92 in force |
| Nearby Flood Claims | 28 (1979–2024) |
| Claims Outside the SFHA | 7 of 28 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | HCWRC/NORTHWEST UTILITIES serves 208,982 people · EPA ID FL6290388 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 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 | 1 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 205 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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